Personal Loans

FNB can provide flexible terms and competitive rates for any of your personal credit needs, including:

  • Home furnishings
  • School expenses
  • Vacation
  • Boats, RV’s, Campers, etc.
  • Home Improvements
  • Debt Consolidation

Automobile Loans

DRIVE IN STYLE! Our lenders will make it easy for you to purchase a new (or new to you) vehicle and provide flexible terms at competitive rates.

New Cars – Up to 90% of the total cost (includes tax, title & license)

Used Cars – Up to 85% of the total cost (includes tax, title & license) or the NADA loan value, whichever is less.

Terms are based on model year of the vehicle

Back to top

CD / Savings Secured Loans

BORROW SMART! Use your FNB Certificate of Deposit or Savings Account to secure your loan and receive preferred rates.

Your loan rate will only be 2% above the rate that you are earning on your CD or Savings Account, with a minimum of 4.5% (example: CD rate of 3.5% - loan rate 5.5%)

Mobile Home Loans

FNB can help you with financing on a new or used mobile home, with or without land. Contact one of our friendly lenders for competitive rates and terms.

Overdraft Protection Lines of Credit

Our Overdraft Protection Line of Credit is a “safety net” that provides funds when you need them. Once you have been approved, if you run short on funds, the plan will cover you up to your approved limit. Features of the plan are listed below:

  • No Annual Fee
  • 3% Transaction fee when ODL is accessed
  • 18% interest monthly on any unpaid balance (usually less expensive than bank & merchant overdraft fees)
  • 10% payment of ODL balance or $25, whichever is greater, will be deducted monthly from your checking account balance on each statement cycle date
  • Saves you NSF Charges as well as Merchant Charges for returned checks

Back to top

Select Forms for applications and other forms and disclosures.