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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.


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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