Loans & Credit

personal loans and creditLoans and Credit

Creating Possibility for You 

Having cash on hand for every purchase isn’t always realistic. So, every day we’re Creating Possibility through credit cards and loans.

Low Rates. No Annual Fees.

We offer three personal Visa® credit cards – Classic, Gold, and Platinum – to meet different credit limits and purchase needs. Fund everyday purchases, book vacations, shop online, and buy big ticket items with the freedom of your credit card. Plus, you can earn bonus points for retail purchases and redeem them for brand-name merchandise and exciting travel rewards.

First National 1870's credit cards feature interest rates much lower than department store or other major credit card companies. And, because we’re here to help you achieve your financial goals, there are no annual fees and no balance transfer fees.

Expand your Possibilities

As your financial partner, First National 1870 is here for you when you're ready for big purchases, like cars, boats, homes, and dream vacations. We offer many types of loans to help with planned – or unplanned – expenses. Debt consolidation? Medical expenses? Whatever financial issue you’re facing, First National 1870 wants to help you find the perfect loan.
Thinking about a home loan? Our bank is partnered with the experienced lending professionals at Guardian Mortgage, our mortgage division. Guardian Mortgage has a great reputation, a huge variety of loan options, and qualified, professional staff to consult with you. Make possibility a reality. Take charge of your future with First National 1870.

Grow & Improve Your Credit

Building credit and maintaining good credit history are the keys to setting the course for financial success. If you can't get credit because you don't have any established, it can be frustrating. One way to establish credit is to consider applying for a credit card, using it to pay for purchases instead of with cash or checks, and then pay off the balance each month. This can help you establish a good credit history.

Be sure to avoid actions that may negatively impact your credit history and credit score. Your credit score is the numeric summary of your credit history and lenders often use it to predict the likelihood that you will repay any loans extended to you. It’s important to stay in tune with your credit history. 

  • By law, consumers are entitled to one free credit report once every 12 months from each of the three reporting agencies — Equifax, Experian, and TransUnion. The good news is, requesting one will not impact your credit score or history.
  • Apply for new credit sparingly. If you apply or open several new accounts in a short period of time it can hurt your score.