Consumer Loans

Whether you’ve found the home of your dreams, the perfect car, or just need a vacation, FNBC Community Bankers are here to help. Apply for approval quickly online or visit with one of our consumer lenders in-person at any of our locations.


Personal Loans

Whatever your needs may be, personal loans at FNBC Bank are competitive and flexible. We offer secured and unsecured personal loans to help meet your needs. Personal loans can be used to make home improvements, take that dream vacation, purchase an ATV, or make other needed purchases. We invite you to stop by one of our offices to visit with a consumer lender, or apply quickly and at your convenience online.


Borrow money against deposits you already have with the bank, such as a savings account or CD, or other approved possessions, like an automobile.


No collateral is needed, and your borrowing limit is determined by income and ability to repay.


Auto Loans

When it comes time to trade in your vehicle, think of your local community bankers! We offer competitive rates and affordable loans with low down payments. We also offer extended warranties and payment protection plans to help secure you for the long haul. We invite you to stop by one of our offices to visit with a consumer lender, or apply quickly and at your convenience online. You’ll be behind the wheel of your new car in no time!

VISA Debit Card

Consumer Credit Card

There are lots of reasons to do business with your local community bank. People you know and trust, local decision-making, and personal service, to name a few.

Here’s one more: a Visa® Platinum Credit Card that rewards you with cruises, air travel, brand-name merchandise and much more. Our Rewards Platinum Credit Card offers worldwide acceptance, hometown convenience and great benefits!


Reward Points:

Would you like some gifts with your groceries? Perhaps a trip to the beach with your dry cleaning?

  • Earn one point for every net dollar you spend.
  • Redeem points for merchandise, rental cars, cruises, hotels and airline travel.
  • Airline tickets good on any airline with no blackout dates.
    • Visit for details

Personal Service & Hometown Convenience

  • Call the Customer Contact Center 24/7.
    • Representatives are located in the U.S. and are dedicated to providing you with personal service, the kind you receive when you come into our branch.
  • Stop by any branch for a little extra help.
  • Go online to access your account at

Card Security

Your Rewards Platinum Card has multiple layers of cardholder protection so you can feel confident when you use it.

  • Zero Liability Policy: your liability for unauthorized transactions is $0. Promptly notify us and you pay nothing.
  • Fraud monitoring: Each transaction is analyzed for suspicious activity and you will be notified as soon as possible to verify the legitimacy of questionable charges.
  • Identity Theft Assistance: If you suspect that your identity has been stolen, call 1-866-ID-HOTLINE to get access to free and confidential assistance.
  • Verified by Visa®: Activate your card for this service and create your personal password for online purchasing protection.

Travel Benefits

For protection while traveling, your Rewards Platinum Card automatically provides you and your family with Travel Accident Insurance¹ and Auto Rental Collision Damage Waiver².

Ask one of our Consumer Relationship Managers for an application or apply online for our Visa Platinum Credit Card today!

¹Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged  to the card. Your account must be in good standing. Restrictions to coverage may apply.

²To activate coverage, complete the entire rental transaction with your card and decline the collision damage waiver coverage if offered by the rental company. Restrictions apply if you have personal automobile insurance covering this theft or damage.

This card is issued by TCM Bank, N.A. Subject to credit approval.