First National Bank offers loan products at competitive rates and terms but the real difference is the caring personal attention we provide to all of our customers. It is important to us that we really comprehend what our customer's needs and desires consist of and in order to achieve this we will take the time to really listen and actually learn about you, our customer. You are not a number and we are not in a hurry, we will take as much time as necessary to understand your situation and you can be assured that once all the questions have been asked and answered you will not have to wait on us for a decision. We are the lenders with a conscience and a sincere commitment to you, our customer.

Consumer Loans

Personal Loans
First National Bank offers personal loans that can be custom tailored to meet your borrowing needs. Whether you need extra money for a vacation, computer, furniture, not to mention unexpected emergency expenses we will go the extra mile to provide personal loans that will meet your needs and your budget.

Motor Vehicle Loans
When you need a loan to purchase a new or used auto, boat, motorcycle, RV, or ATV we are the ones to see! At First National, we offer competitive interest rates and terms on financing the motor vehicle of your choice. First National makes all lending decisions locally and offers quick response time from lenders who really care about our customers.

Consumer Credit Cards
Our Texas Visa and MasterCard which are accepted worldwide at businesses, financial institutions and ATM's displaying the CIRRUS logo provide the financial freedom to travel the world over with confidence! We offer a complete line of cards including Visa, MasterCard, MasterCard Gold, Platinum Visa, and the Platinum Flex Miles Card, which rewards you with free airline tickets. All Credit Card Accounts provide:§ Interest-Free Grace Period§ Travel Accident Insurance§ Charge Account Protection Simply apply and we'll promptly process your application so you can begin using your card right away.

Real Estate Loans

Home Mortgage Loans
We all know that owning your home is the "American Dream"; make that dream a reality with a home loan from First National Bank. We offer 30, 25, 20 and 15 year fixed rate, variable rate and balloon loans. Our broad variety of flexible home loan programs will offer a mortgage solution to fit just about anyone's needs. Low down payments, quick response and local decisions are just a few reasons to choose First National. Whether you are financing or refinancing let us finance your home, second home, or vacation home.

Construction Loans
Not many things compare with the excitement of building a new home! Let us help fulfill your dream with a residential interim construction loan. First National knows construction lending and we are here to help you with the many decisions, which must be made throughout the process that can often be complicated and confusing. We offer one stop shopping by providing the financing with highly competitive rates and fees for new construction and offering a full array of permanent financing options upon completion.

Home Equity Loans
Whether you have a student headed off to college, need to pay off those high interest rate credit cards or anytime you need a loan a home equity loan may be the answer for you. Since your home is often your most valuable asset it can be a great resource for needed funds. A home equity loan allows you to borrow at competitive rates, flexible terms and low monthly payments and offers possible tax advantages. The proceeds of a home equity loan are advanced to you in a lump sum and the loan is repaid in equal monthly payments sufficient to fully repay the loan over the life of the loan.

Home Improvement Loans
Does your house need attention? Have you been procrastinating about replacing the roof, air-conditioning, appliances, flooring or are you simply ready for a drastic change in décor or landscaping? First National Bank offers the solutions to accomplish any project regardless of how large or small to get your home in tip-top shape. We will provide responsive service and offer great rates and flexible repayment programs on home-improvement loans. First National Bank, member FDIC, is an equal housing lender.

Business Loans

Commercial Loans
First National Bank offers a broad range of lending options to meet all of your business borrowing needs. We really take an interest in your business and understand that no two businesses are exactly the same. We offer short-term and intermediate term loans that will provide solutions to help you manage your cash flow requirements, to assist in the financing for the purchase of equipment/fixed assets and assist in inventory expansion. In addition, we offer long term financing for the purchase or refinancing of real estate land and improvements.

Agricultural Loans
First National Bank has a rich history that dates back more that 100 years of providing financial solutions to help assure the success of your farm and ranching operation. Our lending staff is intensely committed to our role in supporting the continued success of the agriculture business in our community. We understand the complexities facing today's farmers and ranchers and will strive to be creative and supportive in assisting you in your effort to meet all of your farming and ranching goals.

Business Credit Cards
Allow our MasterCard BusinessCard to take care of your business. Improve your financial management with extra corporate buying power. The Corporate BusinessCard provides the choice of combined or individual billing, either grace period or no grace period accounts, customized credit lines that allow you to decide how much credit you want each of your authorized employees to have. In addition, it provides the confidence of worldwide acceptance, versatility for travel and entertainment and $100,000 travel accident insurance.