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Explore Personal
Loan Options

We offer a full range of loan options to fit your life—whether you're buying a car, building a home, using your home’s equity, or covering unexpected expenses. With competitive rates and guidance from local lenders you trust, we’re here to help you move forward with confidence.

Why Lend with First National Bank?

Local Expertise

Our lenders live and work in your community. We understand the local economy, industries, and know the people—the result being quick, local decision making.

Personalized Service

Everyone’s financial needs are different—so we take the time to understand yours. From your first conversation to your everyday banking needs, you are our priority.

Community Commitment

We’re more than a bank—we’re your neighbors. Every loan we make is an investment in the people, families, and future of the communities we serve.

Speedboat with four people cruising on a calm lake near a tree-lined shore.

Buying a home is a big decision—let us make it easier. With local service you can trust and generations of experience, First National Bank is here to help you finance your first home, next home, or refinance with confidence.

Free pre-approvals
Fast, local service
Quick closings

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Fixed Rate

Principal and interest payments are fixed for the life of the loan. Only changes in real estate taxes and property insurance will affect your future payment giving you long term peace of mind. Escrow for taxes and insurance is optional.

Interest rate will never increase
Monthly budgeting is made easier
Products requiring as little as 5% down to purchase

Adjustable Rate

This product re-prices every one, three, or five years depending on customer preference. Customers considering relocation in the next six to eight years will like the lower initial mortgage rates and lower closing costs.

Low initial payment
Monthly, bi-monthly, or bi-weekly payments are made locally
Automatic payments from an FNB account simplifies the payment process

Please click here to view our rates and Apply online.

Your home’s value can work for you. Use a home equity line of credit to remodel, cover major purchases, or have funds ready for the unexpected. Flexible and reliable—just like it should be.

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Benefits

Monthly interest only payments *
Access is available 24/7 with the easy check access
No closing cost*
Terms up to 20 years**

Please click here to view our rates and Apply online.

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* Based on credit qualification 

** Terms over 10 years must be eligible for 1st lien position

Whether you’re building from the ground up or giving your current home a major upgrade, we offer flexible construction loans to bring your plans to life—with expert guidance along the way.

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Benefits

Competitive interest rates
Interest only payments for up to 12 months during your construction phase
Bridge loans are available: use the equity in your current residence as your down payment
Upon Completion, the loan may be refinanced into a fixed or variable rate mortgage

Please click here to view our rates and Apply online.

Our car loans offer competitive rates, quick approvals, and flexible terms for both new and used vehicles. Terms available: 6–72 months, depending on the vehicle and your credit.

Auto Loan Calculator

Locations

Benefits

Competitive interest rates
Six to seventy-two month terms
Fast loan decisions
Rate discount with automatic loan payments from a FNB deposit account
Fixed interest rate means your payment will not increase
Will lend up to 100% of the JD Power value

Click here to use JD Power Guide

From boats and motorcycles to unexpected expenses, our consumer loans cover more than just cars. We offer fast decisions, great rates, and flexible terms to help you move forward—whatever the need.

Locations

Benefits

Competitive interest rates
Pre-qualification, so you are ready to purchase when you find the vehicle that fits your lifestyle
Rate discount when you set up automatic payments from an FNB deposit account
Lend up to 100% of the JD Power value

JD Power Guide 

https://www.jdpower.com/cars

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Car Payment Calculator 

http://www.bankrate.com/calculators/auto/auto-loan-calculator.aspx

Get in touch

Interested in a loan or have questions about your finances? We’re here to help. Connect with someone who knows your community—and takes the time to understand your goals. Let’s talk about what’s next for you.

Our Locations

Katina L. Shaffer