There are times in our lives when a little extra cash can really go a long way. Whether you need the cash for a new vehicle, a vacation, taxes, college tuition, home improvements, additions, mortgage, agricultural, or business expenses, we have the program that will fit your situation. We are competitive and reasonable. Come in or call our Loan Department. They will be glad to answer your questions.

If you're considering equipment acquisition, plant modernization or need extra working capital, we can design a financing package to meet your needs.

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Running a successful farm operation today requires the skills of many people working together. We know first hand why it is so important to have a sound strategy for your agri-business. We can relate to the challenges farmers and livestock producers face today. We offer a wide variety of loan programs for new equipment, operating loans, or livestock expansion.

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If your real estate needs include either permanent or interim financing we can assist you.

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Our Home Equity Loans allow you to use your home equity resource to borrow money at a competitive rate with possible tax advantages. The home equity advantage offers money for home improvements, school tuition, and debt consolidation or anytime you need a loan. Our rates are competitive with flexible terms and low monthly payments. Your home is a valuable asset and it can be a wonderful resource for needed money. First National Bank, member FDIC, is an equal housing lender.

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If you are buying a house or refinancing an existing loan, we offer a complete range of financing options. These include FHA, VA, Rural Development, CHFA and fixed rate and adjustable rate conventional loans. Loan decisions are made locally and we service all of our loans, except the government loans. After closing, you can talk to us about your loan payments, taxes and insurance. We have an automated underwriting system to speed up the approval process and closing time.

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We offer competitive terms when you need financing for home improvements, a new or used car, family vacation, investments, or even a college education.

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The Home Equity Line of Credit is a pre-approved, revolving line of credit that unlocks the equity in your home. Once the line of credit is set up, you simply write a check on the account to draw the funds. Because the Home Equity is a revolving line of credit, you can repay your loan in flexible installments or in one lump sum. To make record keeping easy, we send you an itemized statement showing the activity and periodic or regular payment due. Find out how low the loan fees can be.

The APR and interest rate on the Home Equity can change semi-annually every June 1st and December 1st. Depending upon your situation, the interest you pay on your Home Equity Line of Credit could be fully tax deductible. Please consult your tax advisor.

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We also offer collateral loans using your savings account, certificate of deposit, stocks, bonds or life insurance policy. For your convenience, we can automatically deduct your monthly loan payment from your checking or savings account. To take advantage of this service, just ask for an authorization form. In conjunction with our loans, we offer you the option of credit life and disability insurance.

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For complete information, pick up an application at any bank location.

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