Loans

Fast and easy approvals. Local decision making with no red tape. Flexible personal, home, and business loan products and terms. We’ll do our best to say “yes” when you need to borrow money.

Personal Loans

FNB makes it convenient and easy to borrow the money you need to reach your financial goals with a personal loan.

Installment Loans

If you are buying a boat, furniture, or appliances; installment loans can help achieve your goal. These loans can also be used for making home improvements or taking dream vacations and are offered with competitive rates and flexible repayment options.

Credit Cards

Our Visa® credit cards provide worldwide purchasing power, competitive interest rates and many other options and advantages.

Home Equity Lines of Credit

A Home Equity Line of Credit puts borrowing convenience in your hands and provides instant access to your funds. Use your home equity line of credit to make home improvements, consolidate debt, pay for vacations or use for tuition. This line of credit works much like a credit card. You can borrow as much or as little as you want from your approved credit limit. As you repay the balance, the full amount is available for you to use again and again. Plus the interest may be tax deductible (please consult your tax advisor).

Residential Construction Loans

If you’re building a home, a construction loan provides cash during the building process. Funds are advanced “as needed” during construction and interest is charged on the outstanding balance of your construction account.

Consumer MasterCard Credit Cards


Credit Card Login

Banks. Retailers. Everyone offers credit cards. But most don’t offer LOCAL service from folks you know. FNB provides you a great choice of competitive, feature-rich credit cards with all the comforts of home. Meaning … we issue the credit cards … and if you have any problems at all regarding your credit card account, you can talk to US. By phone, or drop by our office. Check out all THREE personal credit cards FNB has to offer to see which one is right for you!

All FNB personal credit cards offer the following:

  • No annual fee (Terms and Conditions)
  • No over-limit fees (Terms and Conditions)
  • Price protection if you find an item you purchased at a cheaper price*
  • Extended Warranty doubles the store/manufacturer’s warranty for up to one year*
  • Pay bills at FNB, by mail, online, or by automatic debit
  • MasterRental insurance that pays for covered damages to a rental vehicle*

But then there is MORE … depending on the card you select!

Platinum

  • 0% Intro APR on purchases and balance transfers for the first 6 months (Terms and Conditions)
  • Our lowest interest rate

Platinum Rewards

  • Valuable Points – one for every dollar spent
  • 5,000 bonus points if you charge $1,000 in the first 3 months +

World

  • Valuable Points – one for every dollar spend
  • 10,000 points if you charge $3,000 in the first 3 months +
  • Preferred savings, rewards, benefits and perks
  • Concierge services normally provided by travel agencies, including ticket purchases, reservations, logistics for hard-to-find shopping items and much more*
  • Travel and emergency assistance
  • Purchase Assurance to cover purchase item that are damaged or stolen within 90 days of the date of purchase*

Come in anytime to discuss FNB’s three personal MasterCard credit card options!

Learn more about the terms and conditions of FNB’s three MasterCard credit cards!

* Certain terms, conditions, and exclusions apply. Please consult your Guide to benefits for specific benefit configuration.

+ Upon approval, a letter will be mailed acknowledging your new account. The Rewards Bonus period begins on the date of the new account letter and ends 90 days later. For details on Rewards Program, please visit yourfnbbank.myapexcard.com/apply and select Rewards Terms and Conditions. Rewards options are subject to change without notice

Home Loans


Buying, refinancing or improving your home, FNB offers flexible home loan solutions to meet your needs.

Mortgage Loans

We offer a variety of mortgage solutions to meet your needs.

  • Conventional 15, 20, 25, and 30-year fixed-rate loans
  • Adjustable-rate loans
  • First-time homebuyer loans
  • FHA and VA

Home Equity Lines of Credit

A Home Equity Line of Credit puts borrowing convenience in your hands and provides instant access to your funds. Use your home equity line of credit to make home improvements, consolidate debt, pay for vacations or use for tuition. This line of credit works much like a credit card. You can borrow as much or as little as you want from your approved credit limit. As you repay the balance, the full amount is available for you to use again and again. Plus the interest may be tax deductible (please consult your tax advisor).
Home Equity Loans

Borrowing against the equity in your home can be a low-cost and often tax deductible way to get extra money. Use the loan for home improvements, tuition, vacations or any other reason you can imagine. We offer competitive rates and flexible terms with the convenience of a fixed monthly payment.

Residential Construction Loans

If you’re building a home, a construction loan can provide cash during the building process. Funds are advanced “as needed” during construction and interest is charged on the outstanding balance of your construction account.

S.A.F.E. Act Disclosure

Under the Secure and Fair Enforcement Act (S.A.F.E. Act), FNB Bank is required to ensure that each of our mortgage loan originators (MLO’s) is registered with the Nationwide Mortgage Licensing System and Registry. In addition, we are required to make the unique identifier provided by the Registry for each of our MLO’s available to clients, applicants and consumers upon request. Consumers can confirm that FNB Bank (NMLS ID# 500338) and our MLO’s are registered with the Registry at www.nmlsconsumeraccess.org

Business Loans


FNB works hard to meet the financial needs of businesses and business owners. Let us help you achieve a new level of success with a variety of business loan options tailored to meet your company’s specific needs.

Business Loans

  • Real Estate and Facility Loans
  • Commercial Property Acquisition and Development
  • Facility Construction Expansion
  • Equipment Loans
  • Working Capital Loans
  • Agriculture Lending
  • Lines of Credit
  • Credit Cards
  • Small Business Administration Loans

Talk to an FNB banker today and tell us about your needs.

Business MasterCard Credit Cards


Credit Card Login

Banks. Retailers. Everyone offers credit cards. But most don’t offer LOCAL service from folks you know. FNB provides you a great choice of competitive, feature-rich credit cards with all the comforts of home. Meaning … we issue the credit cards … and if you have any problems at all regarding your credit card account, you can talk to US. By phone, or drop by our office. Check out all FIVE business credit cards FNB has to offer … and see which one is right for you and your employees!

All FNB business credit cards offer the following:

  • Individually customized spending limits for employees
  • Consolidated or individual billing statements
  • Purchase Assurance to cover purchase item that are damaged or stolen within 90 days of the date of purchase*
  • Extended Warranty doubles the store/manufacturer’s warranty for up to one year*
  • Pay bills at FNB, by mail, online, or by automatic debit
  • Travel and emergence assistance services for travel documents and medical records*
  • MasterRental pays for covered damages to a rental vehicle*
  • 24/7 customer service

Business Platinum

  • 0% introductory APR on balance transfers and purchases for first 6 months (Terms and Conditions)
  • Our lowest interest rate
  • Debt consolidation welcome offer

Business Platinum Rewards

  • Valuable Points – 1 point for every $1 spent with no earning cap
  • Points redeemable at company account level or by individual cardholding employees

(Terms and Conditions)
Business World

  • Valuable Points – 1 point for every $1 spent with no earning cap
  • Earn double points for every dollar spent on airfare, hotel, car rental and dining**
  • Points redeemable at company account level or by individual cardholding employees
  • Travel and accident insurance for airline, land or water conveyance transportation accidents*
  • Lost luggage reimbursement for checked or carry-on baggage*

(Terms and Conditions)
Corporate

  • Pay for virtually all business expenses, both travel related and office supplies

Corporate Rewards

  • Comprehensive suite of reward options, including travel, hotel, car-rental and more
  • Option to allow employees to earn and redeem rewards points individually or pool all point earnings for the organization

Come in anytime to discuss FNB’s five business MasterCard credit card options!

Learn more about the terms and conditions of FNB’s five MasterCard credit cards!

Ready to apply?

Interested in a Business credit card? Please stop by your nearest FNB office and talk to one of our business bankers

* Certain terms, conditions, and exclusions apply. Please consult your Guide to benefits for specific benefit configuration.

**We group similar merchant category codes into Purchase Categories that are used to calculate the stated rewards points. We make every effort to include all relevant merchant category codes in the listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not provide us with the merchant code that will fall within that Purchase Category. Because of this, we cannot guarantee that a purchase will qualify for more than the standard 1 (one) rewards points as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional rewards point

Loan Applications


Click on a button below to view FNB loan applications. You can save time by collecting the information to complete the form and bringing the application with you when you visit our office.

Consumer/Personal Loan

Residential Real Estate/Mortgage Loan

Commercial Loan