Bank Loans
If you've got a goal, we're here to help you meet it with affordable financing. Our quick loans come with competitive rates, flexible terms and convenient online banking. Reach out or visit a local branch to ask about bank loans today.
Auto Loans
Get a great fixed rate for your new or new-to-you ride.
- Good for new or used vehicles
- Flexible terms available up to 84 months
- Competitive fixed rates and monthly payments
Get Started Get started with an auto loan
Home Equity Lines and Loans
Get the funds you need to start your next project at home.
- Access competitive low interest rates
- Use your home's equity to achieve your goals
Get Started Get started with home equity lines and loans
Home Improvement Loans
Quickly get the funds you need to repair or remodel your home.
- Competitive low interest rates
- Convenient, quick and simple loan process
- Unsecured loan—no home equity required
Get Started Get started with a home improvement loan
Lot Loans
Buy land today, then develop your property or build your dream home tomorrow.
Get Started Get started with lot loans
Money Saver Mortgages
Take advantage of today's rates to decrease your monthly mortgage payment.
- Pay off your home faster with shorter terms
- Competitive low fixed or adjustable interest rates
- Pay lower fees and upfront costs
Get Started Get started with a money saver mortgage
Specialized Lending
We'll help you find an affordable way to achieve your goals.
- Great options for boat loans and RV loans
- Competitive fixed rates and monthly payments
- Other specialized loan options available
Get Started Get started with specialized lending options
Ask us about other loan options we have available
Is it time to consolidate your debt with a bank loan?
Get a personal loan for what you need
You could save on higher-interest balances with our competitive rates on personal loans.
- Competitive rates
- No prepayment penalty
- Fixed or variable rates
- Secured or unsecured
Digital Banking
Track your spending habits
Seamlessly move your money
Set alerts for transactions
Digital Banking
Track your spending habits
Digital Banking
Seamlessly move your money
Digital Banking
Set alerts for transactions
Cash Rewards
Get cash back on every purchase
Keep it simple. Earn unlimited cash back and pay no annual fee with our Cash Rewards credit card.
Online Savings
Save online, simply and conveniently
Open an online savings account with a low minimum opening deposit of $50.
A few financial insights for your life
A Breakdown of the 5 Cs of Credit
Discover the five factors that guide banks' lending decisions.
Banks typically look for a debt-to-income ratio of less than 36% as an indicator of a responsible borrower.
How Personal Loans Can Help Financial Wellness
Getting a personal loan could help you consolidate your debt or increase your credit score.
Making monthly payments toward a loan tells lenders you're responsible with your debt.
Debt Consolidation: What to Consider as Rates Rise
With interest rates projected to rise even further, is now the right time to consolidate debt?
Debt consolidation with lower interest can help you pay down your debt more quickly.
Disclosures
Account openings and credit are subject to bank approval.
With qualifying EquityLine. The minimum line amount required is $25,000 or more.
With qualifying EquityLine. The line amount required is $100,000 or more.
Consult your tax advisor regarding the deductibility of interest.
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Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.
