Bank Services

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Residential Lending

 1st National Bank is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.

Mortgage financing options

Home Equity Loans

A home equity line of credit affords you the opportunity to “write yourself a loan” whenever you need to, whether for a new vehicle, a vacation, or a home improvement project. And, the interest you pay, may be tax deductible.  You've worked hard for your home. Now let your home work for you! We offer a line of credit, for convenient and smart borrowing, secured by a second mortgage on your home. Often times it makes more sense to borrow against the equity you have built in your home for expenses such as a new car, college tuition, a new boat, or home remodeling project. The interest you pay may be tax deductible (consult your tax advisor).  A Home Equity Line of Credit is conveniently accessible through a checkbook. And, because it is a revolving line of credit, each time you make a payment the funds are again available for your use. We would be happy to automatically deduct your monthly payment from your checking or savings account so you don't have to worry about remembering to make your payment.  There is a $50 annual fee that is waived the first year.

Checking Plus

Open a line of credit extended to your checking account for overdraft protection or recurring borrowing needs.  Funds are advanced into your account in $50 increments up to your approved credit line.  The interest you are charged is determined by current market conditions.  The loan balance is prepaid by an automatic monthly deduction from your checking   account of 5% of the current balance plus interest accrued with a minimum payment   of $20.  Checking Plus is free for the first year and is $25 per year thereafter.

Personal Loans

Our Personal Loans offer financing with flexible terms at competitive rates for Auto Loans, Boat Loans, or other secured personal loans. Whether you choose to finance a new car, truck, motorcycle, RV, watercraft, fishing trip, computer, furniture, appliances, or to consolidate current debt, choose to finance it with us. We can customize a loan to fit your specific need! We offer a wide variety of secured personal loans and can customize a loan product to fit your personal situation.

Business Loans

With years of experience in business lending, a Banker from 1st National Bank will provide specialized support for your specific financing request. Our numerous financing program options are designed to meet the specific needs of what’s right for your business.

Our numerous loan program options can be customized to fit your business needs.  We offer
Secured Loan
Operating Lines of Credit 
Small Business Overdraft Line of Credit 
Specialty Loans 
Fixed Rate Loans 
Floating Rate Loans 
Term Loans 
Revolving Credit  

We also offer Specialized Credit to meet the "non-traditional" credit needs of our business customers. Credit needs are as numerous as the clients we serve. In addition to our Loans and Lines of Credit, we offer:

Executive and professional loans for business owners, corporate executives and professionals
Letters of Credit
Participation Loans
Commercial Credit Card Programs - Visa and MasterCard processing systems
Equipment Financing

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