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Personal Loans

Consumer Loans are great for just anything you can dream up!  We offer a variety of both secured and unsecured loan options. To speak with a loan officer about your personal needs, call us at 800.564.3195.

  

Click here for current consumer loan rates.


Current Loan Specials: 


Home Improvement Energy Efficiency Loan - Get started with a First National Bank Home Improvement Loan at 6.99% APR* for up to 5 years. 

*Annual Percentage Rate (APR) is accurate as of 11/7/2022 for loans in the bank’s market area and is subject to change at any time. Rates and terms are subject to change without notice. Finance charge begins from date of loan disbursement and is repaid over the term. Payment example: a $10,000 loan at 6.99% for 60 months would have a monthly payment of $197.96; APR is 6.99%. All loans are subject to credit approval under the underwriting guidelines of First National Bank. Energy efficient improvements include, but are not limited to: heat pumps, pellet stoves, solar panels. For current interest rates and more details on all our deposit and loan accounts, visit www.thefirst.com, call First Phone Banking at 800.564.3195, or visit one of our branch offices.


Keep Cozy Fuel Assistance Loan - Lock in a low fixed rate of 4.99% APR* for 12 months to help cover your fuel costs this season. 

*Annual Percentage Rate (APR) is accurate as of 11/7/2022 for loans in the bank’s market area and is subject to change at any time. All loans are subject to the bank’s underwriting standards. Maximum loan amount is $10,000. All loans are subject to approval and are granted based on individual credit worthiness, ability to repay and credit score. Finance charge begins from date of loan disbursement and is repaid over the term. For example, the monthly payment for a $10,000 loan would be $856.03. Additional restrictions may apply. For current interest rates and more details on all our deposit and loan accounts, visit www.thefirst.com, call First Phone Banking at 800.564.3195, or visit one of our branch offices.

 

Make Payments Online

You can make your personal loan payment online through our payment portal. 

Click here to make a loan Payment

Mortgage Loans

  • Fixed and Adjustable rate mortgages are available
  • Building a home? We also offer construction loans.
  • FNB participates in MSHA and VA home lending programs.

Construction Loans

  • One Close Construction
  • Competitive rates and closing costs
  • Available for primary or secondary residences

Home Equity Loans and Lines of Credit

  • Both loans and lines of credit are available
  • Fixed rate loans are available in a variety of terms; lower rates available with Automatic Payment from FNB account on fixed rate loans only
  • HELOC provides flexibility in borrowing and repayment.

Auto/Boat & RV Loans

  • Fixed Terms
  • Down Payment amount depends on type of loan
  • Lower rates available with Automatic Payment from FNB Account
Call 800-564-3195 or stop by your nearest branch for more information!

Personal Secured/Unsecured

  • Fixed term loans available as are open-ended lines of credit
  • Secured loans can be collateralized by Savings Accounts, Certificates of Deposit and Marketable Securities
  • A variety of terms are available.
Click here to download a copy of the consumer loan application.

Call 800-564-3195 or stop by your nearest branch for more information!

Overdraft Protection

  • Open-ended line attached to your checking account
  • Fixed rate
  • Monthly payment deducted from your checking account
Click the details button for more information. You can also call 800-564-3195 or stop by your nearest branch.



All loans are subject to credit approval under the underwriting guidelines of First National Bank.  For details on fees, rates and terms please contact us at 800.564.3195


Loan Calculators

Amortizing Loan Calculator

Adjustable Rate Mortgage Calculator

Home Equity Line of Credit Calculator


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