Affordable Rate Program (ARP)

Get up to 2% lower than market rates on your home purchase. See if you qualify today!

Affordable Rate Program (ARP)

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We make checking accounts easy. With our Secure Checking account, you save by bundling IDProtect, cell phone protection, online & mobile banking, and entertainment discounts.*

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HOMEPOSSIBLE Program

Low 3% down payment and lower interest rates

HOMEPOSSIBLE Program

Ohio Homebuyer Plus Savings Account

Earn 6% APY* on your savings towards your new home! Click here to learn more!

Ohio Homebuyer Plus Savings Account

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With our cards earn unlimited rewards as you shop, pay confidently anywhere and enjoy no annual fee. 0% introductory rate on purchases and balance transfers for those who qualify.

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Apply online with our easy mortgage application. Not sure you’re ready? Our mortgage calculators can help you select a mortgage loan to fit your financial situation.

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We’ve got an auto loan that’s right for you. Get pre-approved or refinance today with our low rates, flexible terms, and convenient process.

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Whether you’re a small business, a large corporation, or a non-profit organization, our tailored business checking accounts offer flexibility, competitive earnings, and world-class customer service

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Streamline your business finances with Business Online Banking, Treasury Management, and Merchant Services.

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1st National Bank: Your Community Bank for checking and saving accounts, loans, and financial services.

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Experience personalized customer service like never before. Offering a wide range of banking solutions tailored to you. See for yourself.

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Cincinnati Business Courier – July 18, 2025

 

Largest Women-Owned Business in Cincinnati

Cincinnati Business Courier – July 25, 2025

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Home Loans

Discover the ideal mortgage loan for your unique needs and lifestyle. Fixed-rate loans, construction loans, FHA loans, Jumbo loans and more! Our team of mortgage experts are here to help you every step of the way.

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Ohio Homebuyer Plus

Boost your savings with our Ohio Homebuyer Plus savings account and earn a 6.00%APY* today.

*APY = Annual Percentage Yield

Learn More

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Grow your business with confidence.

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Community Articles

In The Community

ERA & 1st National: Inspiring Unity Sparks Remarkable Success

Dec 22, 2023 | 2 Minute Read

In this special feature, we delve into the highlights of the ERA 1st National Appreciation Lunch, a celebratory event that marked the thriving partnership between ERA Real Solutions Realty and 1st National Bank. Held in the bank’s Community Room, this luncheon not only reflected on a year of collaborative triumphs but also set the stage for future endeavors. Join us as we recap the engaging discussions, insightful speeches, and the overall spirit of community and partnership that defined this memorable event.

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Please note: Individuals are required to review the Ohio Homebuyer Plus participation statement prior to opening an account through the program. You can review the participation statement at: https://tos.ohio.gov/Files/Pdfs/Ohio%20Homebuyer%20Plus/Ohio%20Homebuyer%20Plus_Participation%20Statement%20%20v1.3%20RV032525.pdf

*Annual Percentage Yield (APY) is 6.00% APY and interest rate is 5.83% on deposits of $500.00 to $25,000 and 4.97%APY and interest rate of 4.86% for balances $25,000 – $100,000, effective as of July 1, 2025, is a variable rate, and subject to change without notice. Minimum balance of $500 to open an account and obtain APY. Subject to approval by the State of Ohio.

**Consult with your tax advisor about tax advantages. 1st National Bank nor the Ohio Treasurer’s office offers any financial or legal advice.