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.

Personal Visa 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
  • Warranty manager doubles the store/manufacturer’s warranty for up to one year
  • Pay bills at FNB, by mail, online, or by automatic debit
  • Roadside dispatch to assist with vehicle assistance
  • Auto rental collision damage waiver 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

Signature Platinum Rewards

  • 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
  • Hotel/motel burglary reimbursement

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

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

Ready to apply?

FNB customers can do so by logging in to their online banking, click on the credit card application button and print the credit card terms. At that time, the site will direct you to the credit card application!

Not a current FNB customer or online banking user? That’s ok! You can apply for one of our great credit cards too. Just stop by the FNB office nearest you and we’ll help you apply!

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 Visa 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
  • Price protection if you find an item you purchased at a cheaper price
  • Warranty manager doubles the store/manufacturer’s warranty for up to one year
  • Pay bills at FNB, by mail, online, or by automatic debit
  • Roadside dispatch to assist with vehicle assistance
  • Travel and emergence assistance services for travel documents and medical records
  • Auto rental collision damage waiver insurance that 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

Business Signature

  • Valuable Points – 1 point for every $1 spent with no earning cap
  • Additional point value for air travel-related rewards redemptions
  • Points redeemable at company account level or by individual cardholding employees
  • Concierge services for entertainment, travel, shopping and executive services
  • Travel and accident insurance for airline, land or water conveyance transportation accidents
  • Lost luggage reimbursement for checked or carry-on baggage

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, merchandise, charity 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 Visa credit card options!

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

Ready to apply?

FNB customers can apply for Business Platinum, Business Platinum Rewards or Platinum Signature Rewards by logging in to their business online banking, click on the credit card application button and print the credit card terms. At that time, the site will direct you to the credit card application!

Not a current FNB customer or online banking user? That’s ok! You can apply for one of our great credit cards too. Just stop by the FNB office nearest you and we’ll help you apply!

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

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