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.

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.

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