Loans

Personal Loans

Automobiles, Boats, Motorcycles, RV's, etc.

• Up to 100% financing with qualified credit
• Competitive rates
• Flexible terms

Unsecured Loans

• No collateral requirements
• Easy application process with immediate approvals

Deposit Secured Loans

• Interest rate ONLY 3% above the FNB Certificate rate
• Limited application or credit check required with an FNB Certificate used as collateral
• Borrow up to 100% of the value of the FNB Certificate

Christmas Loans

• Special rates and terms for that special time of year

Use our Loan Calculator

Lines of Credit

Home Equity Line of Credit

• Home Improvement, Dream Vacation or College Education - Whatever the reason, use the available equity in your home to buy what you need now
• Borrow up to 90% of your home's value
• Revolving - Reuse the money as you pay down your line of credit
• Interest charged only on the amount of credit in use
• Potentially tax-deductible
• Simple and fast application process
• Easy access to funds with your own personal checkbook

Super-Check Account

• A personal line of credit linked directly to your checking account
• Overdrawn? The available amount is automatically deposited into your checking account to avoid overdraft complications and charges
• Emergency or just want extra cash, write a check and the available amount is deposited into your checking account

Mortgage Loans

Rural Development Guaranteed Loans

• 100% financing - NO MONEY DOWN
• 30 year fixed rate term
• Designed to help low to moderate income families purchase the home they need
• No Private Mortgage Insurance required
• We will set up escrow for your property taxes and hazard insurance

Down Payment Plus

• Down payment and closing cost assistance
• Up to $5,000 maximum grant per property
• Owner-occupied one- or two-unit properties are eligible
• Income limits are adjusted by the number of people residing in the household

Fixed-Rate Mortgages

Up to 30 year terms available for purchasing your new home or refinancing your existing mortgage.

Adjustable-Rate Mortgages

• Available as first and second mortgages
• Financing for rental and investment properties
• Finance opportunities for those with less than perfect credit

Use our Mortgage Calculator
Use our Loan Comparison Calculator

Business Loans

• SBA Certified Lender
• Professionally qualified staff for creative lending possibilities
• Financing for existing and start-up businesses
• Loans to assist with the purchase of assets and equipment
• Operating lines-of-credit