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Loans for Consumer, Business & Real Estate

We offer loan products at competitive interest rates and terms.  The real difference in us and other banks is the caring personal attention we provide to our customers. It is important to us that we really comprehend what are our customer’s needs and desires.  We will take as much time is needed to understand your needs and answer all of your questions. You are not a number, and we are not in a hurry.  You will not have to wait on us for a decision. We are the lenders with a conscience and a sincere commitment to you and your family.*


Personal Loans

We offer personal loans that can be custom tailored to meet your borrowing needs. If you need extra money for a vacation, computer, furniture, and not to mention unexpected emergency expenses then we will go the extra mile to provide personal loans that will meet your needs and your budget.

Motor Vehicle Loans

When you need a loan to purchase a new or used auto, boat, motorcycle, RV, or ATV then we are the ones to see.  We offer competitive interest rates and terms on financing the motor vehicle of your choice.  We make all lending decisions locally and offers quick response time from lenders who really care about our customers.

Consumer Credit Cards

Our Visa credit cards are accepted worldwide at businesses, financial institutions, and ATM’s displaying the CIRRUS logo.  This provides the financial freedom to travel the world over with confidence.  We offer a complete line of cards including Visa, MasterCard, MasterCard Gold, Platinum Visa, and the Platinum Flex Miles Card, which rewards you with free airline tickets. All  of our credit card accounts provide interest-free grace periods, Travel Accident Insurance, and charge account protection.  Simply apply and we will promptly process your application so you can begin using your credit card right away.


Commercial Loans

We offer a broad range of lending options to meet all of your business borrowing needs. We really take an interest in your business and understand that no two businesses are exactly the same. We offer short-term and intermediate term loans that will provide solutions to help you manage your cash flow requirements, to assist in the financing for the purchase of equipment/fixed assets, and assist in inventory expansion. In addition, we offer long term financing for the purchase or refinancing of real estate land and improvements.

Agricultural Loans

We have a rich history that dates back more that 100 years of providing financial solutions to help assure the success of your farm and ranching operation. Our lending staff is intensely committed to our role in supporting the continued success of the agriculture business in our community. We understand the complexities facing today’s farmers or ranchers.  For this reason, we will strive to be creative and supportive in assisting you in your effort to meet all of your farming or ranching goals.

Business Credit Cards

Allow our VISA Business Credit Card to take care of your business and improve your financial management with extra corporate buying power. The Business Credit Card provides the choice of combined or individual billing, either grace period or no grace period accounts, and customized credit lines that allow you to decide the amount of credit per authorized employee.  It also provides versatility for travel and entertainment plus $100,000 travel accident insurance.  Our Business Credit Cards provide the confidence of worldwide acceptance


Home Mortgage Loans

We all know that owning your home is the “American Dream.”   Make that dream a reality with a home loan provided by us. We offer 30, 25, 20, and 15-year fixed rate loans.  We also provide variable rate and balloon loans. Our broad variety of flexible home loan programs will offer a mortgage solution to fit just about anyone’s needs. Low down payments, quick response, and local decisions are only a few reasons to bank with us. Whether you are financing or refinancing, let us finance your home, second home, or vacation home.

Construction Loans

Not many things compare with the excitement of building a new home! Let us help fulfill your dream with a residential interim construction loan. The First National knows construction lending and we are here to help you with the many decisions, which must be made throughout the process that can often be complicated and confusing. We offer one stop shopping by providing the financing with highly competitive interest rates and fees for new construction and offering a full array of permanent financing options upon completion.

Home Equity Loans

Home Equity loans may be the answer for you when you have a student heading off to college, need to pay off those high interest rate credit cards, or anytime you need a loan. Since your home is often your most valuable asset, it can be a great resource for needed funds.  A home equity loan allows you to borrow at competitive interest rates, flexible terms, and low monthly payments which also offers possible tax advantages. The proceeds of a home equity loan are advanced to you in a lump sum and the loan is repaid in equal monthly payments sufficient to fully repaying the loan over the life of the loan.

Home Improvement Loans

Does your house need attention? Have you been procrastinating about replacing the roof, air conditioning, appliances, or flooring?  Are you simply ready for a drastic change in décor or landscaping?  We offer the solutions to accomplish any project regardless of how large or small to get your home in tip top shape. We will offer great interest rates and flexible repayment programs on home improvement loans. We are an equal housing lender.


*Potential borrowers must be of legal age to submit a loan application.