First National Bank is committed to serving you with a full array of financing options. Work with us to find the right solution for your personal needs… and count on a hassle-free application process with quick, local decisions.

Personal Loans

Available for individuals who want to make a personal purchase and might include cars, boats, motorcycles, campers, home furnishings, computers and other personal needs. Apply with our online application and get started today!

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Home Improvement & Home Equity Loans

For homeowners to use the equity in their home to finance other major purchases including home improvements, education expenses, loan consolidation or any other worthwhile endeavor. Repayment terms are convenient, flexible and can be modified to fit most budgets. Home Equity Loans may have a possible tax benefit.* 

Home Equity Line of Credit (HELOC)

A very convenient way to borrow and gives you the flexibility to use the current equity in your home. For home improvements or large purchases, the variable rate loan has a revolving balance and is similar to that of a credit card. Simply borrow what you need, when you need it. The interest you pay may be tax deductible. *

Iowa Student Loans - A FNB Partnership

First National Bank works with Iowa Student Loan to offer supplemental private loans to help with your college expenses as well as refinance existing student loan debt. As an Iowa non-profit and the state’s student loan experts, Iowa Student Loan offers competitively priced loans.*

The Partnership Advance Education Loan (Partnership Loan) and College Family Loan were created to help you pay college costs while you are or your student is in school.

  • The Partnership Loan is for students and their cosigners.
  • The College Family Loan is for parents, family members and others who wish to borrow on behalf of a student.

The Reset Refinance Loan can help you simplify repayment or pay lower interest costs on existing student loans after college.

With these loans, you know what you’re getting before you apply as all terms and conditions,including credit score requirements for specific rates, are provided upfront. In addition, there are no upfront origination fees and you can earn an interest rate reduction for making payments by auto-debit in repayment. Note: These loans are subject to credit approval.

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Tools and Tips to Help Minimize Borrowing

Take advantage of Iowa Student Loan’s    Smart Borrowing Tools.These free resources include online tools to help students and families:

  • Avoid over borrowing.
  • Explore jobs and potential earnings for graduates of specific majors.
  • Estimate total college costs for four years of undergraduate students.
Before applying for a private loan, be sure to complete the FAFSA, or Free Application for Federal Student Aid, first. You should also work with our college financial aid office to explore and exhaust all sources of student financial aid before seeking a private student loan.


About Iowa Student Loan

Iowa Student Loan was established in 1979 as a private, nonprofit corporation, and its mission is to help Iowa students and families obtain the resources necessary to succeed in post-secondary education.


 *First National Bank is compensated by Iowa Student Loan for the referral of student loan customers.