Loans

Need a loan? We have the perfect solution for you.

First National Bank offers a variety of loan options customized for your specific personal or business goals. And as a community bank, we will take the time to talk to you and match you with the best lending solutions. Call one of our loan officers today or visit one of our offices  nearest you.

  • Oneida Office: 423-569-8586
    Mark Kline - Blake Culver - Brian Sexton - Teshuah Terry
  • Winfield: 423-569-6386
    Bridget Jeffers
  • Central: 423-663-2395
    Casey Slaven
  • Lafollette: 423-566-5326
    Bryan Horton - Carrie Mefford

 

Consumer Loans

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We may all need to borrow money from time to time for things we want or for things unanticipated. First National Bank offers consumer loans for a variety of purposes with terms to meet your needs. Here at First National Bank, we can give you the credit options you deserve.

First National Bank offers a variety of consumer lending services including:

  • Auto
  • Boat
  • Equipment
  • Home Equity
  • Personal
  • Home Improvement

Ask your loan officer about the availability of Credit Life and Accident & Health Insurance for your loan.

Commercial Loans

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Starting and running your own business takes a lot of courage, skill and time. We understand your investment, and we make sure that when you do business with us, you get the same level of dedication from us. Contact us today and let us put our commitment and experience to work for you.

First National Bank offers a variety of business lending services including:

  • Working Capital Loans
  • Term Loans for Immediate Needs
  • Equipment Loans
  • Real Estate Loans
  • Letters of Credit
  • SBA Loans (Small Business Administration)
  • Open Ended Lines of Credit Loans

Talk to a First National Bank loan officer about financing your next commercial endeavor. We are very interested in helping businesses throughout our community succeed.

Shopping for a home is one of the most important decisions a person can make. It sometimes includes working with a Realtor and the evaluation of many different home styles and options. Finding the right financing is equally important. First National Bank’s friendly and qualified staff will work to find the loan that is right for you. Our job begins with fully understanding your needs, both short and long-term. We will discuss various options with you and learn what type of financing is right for your situation. The joys of home ownership are many. Let First National Bank help you make the most of the experience with a loan that’s built just for you.

  • Fixed and Adjustable Rate Home Loans
  • Construction Loan
  • Refinance Loans
  • Home Equity Line of Credit
  • 1stTime Home Buyers

All First National Bank mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry.  For a list of our mortgage loan originators, their work experience and NMLS identifiers, you can go to www.nmlsconsumeraccess.org to search the Registry.

 

Home Equity Lines of Credit

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Our Home Equity Credit Lines enable you to advance up to 90% of the equity in your residence. You can use the money for home improvements, vacations, weddings, car purchase, holiday buying, landscaping, a second residence or condominium, and much more. You don't have to use the money just for your home improvement. It is nice to have open and established and ready for your use whenever you choose.

During the term of your credit line, principal may be advanced, repaid and re-advanced at your convenience, utilizing your Home Equity Line of Credit checks. This feature is nice to have so you can utilize your credit line anywhere.

Remember, the interest you pay may be tax deductible, and could result in a tax break. Consult a tax advisor regarding the deductibility of interest.

Please contact a lender for more information and put your home equity to work for you.

 

All First National Bank mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry.  For a list of our mortgage loan originators, their work experience and NMLS identifiers, you can to to www.nmlsconsumeraccess.org to search the Registry.

 

Online Banking

Use your personal computer to check account balances and retrieve historical information, transfer funds and make loan payments, and much more.

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Banking that lasts

With roots that have grown for over 110 years, First National Bank stands strong. Since 1904, we have been dedicated to growing a strong, lasting and prosperous community. Your Family, Your Future,Your Bank, is not just our slogan, it's who we are!

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