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Personal Loans


We offer a variety of consumer loan options to fit any of your borrowing needs with competitive rates and same day approval. 

  • Auto Loans:  We offer flexible terms on new and used vehicles.  *Rates and terms are subject to credit history and year of vehicle.
  • Secured Personal Loans:  These are loans secured by collateral which could be boats, motor homes, ATV's, motorcycles or any other personal item the customer may purchase.  We also offer secured loans for a variety of expenses which include vacation, holiday, taxes, & bill consolidation.  *Rates and terms are subject to credit history and amount of risk associated with each loan.
  • Unsecured Personal Loans:  These are loans for a variety of reasons made to individuals who possess a strong financial situation and a clear ability to repay the loan.
  • Lines of Credit:  A Personal Line of Credit is a convenient way to help cover unexpected expenses.  It can also serve as protection on your account to prevent overdrafts from occurring.

Consumer Loan Repayment Options: Coupon Book or Automatic Transfer from FNBCC Account.


Whether you are purchasing your first home, building, or refinancing, you need a lender who can offer you the terms and payment options you need and the service you deserve.  At FNBCC, our Mortgage area works one-on-one with you to determine the right solution for your unique situation. 

Benefits of using FNBCC:

  • Personalized Service
  • Locally-owned bank/Local Decisions
  • Competitive Rates
  • Quick Response Time
  • Free Pre-Qualification

Loan Types:

We work with you to determine the best loan program and terms based on your needs, income, and credit situation. 

Some of the options include:

  • Conventional/Fixed Rate
  • VA/FHA
  • In House
  • Lot & Construction
  • Home Equity Lines of Credit
  • Cash-Out Refinances
  • Rural Development
  • Bridge/Balloon Loans
  • Single Pay Loans
  • Interest Only
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