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First National Community Bank

Looking for a way to keep large deposits safe?  Ask us about CDARS®

With CDARS, you can receive up to $50 million in FDIC protection through First National Community Bank.  There are few guarantees in life – FDIC insurance is one of them. CDARS can be a valuable cash management or longer-term investment tool for you or your business.  It’s a great solution for: businesses * nonprofit organizations * public funds managers * trustees * financial advisors * individuals * credit unions * IRAs   Click here for more details!

FDIC Deposit Insurance Temporarily Increased

On October 3, 2008, FDIC deposit insurance temporarily
increased from $100,000 to $250,000 per depositor
through December 31, 2009.

For an overview of deposit insurance coverage reflecting the
temporary increase, click here.

Community Banks:  Safe, Secure and Solid

These are challenging times.  Every day news reports spread misinformation and fear about our nation’s economy. And in challenging times, consumers need to stick with the tried and true and the institutions that have served them well.

Community banks are strong, safe, secure and stable financial institutions focused on doing what is best for our customers and communities. A community bank customer’s insured deposits are safe in a community bank. No one has ever lost a penny of deposits insured by the FDIC. If you are concerned about the safety of your money, talk to your local community banker to get the straight facts.

You can also read the frequently asked questions on the FDIC website byclicking here.

Brought to you by ICBA (Independent Community Bankers of America)

We now have FHA Mortgage Loans available!

An FHA loan can be just the loan you are looking for!  Why not take advantage of the many benefits and protections that only come with FHA:

May Be Easier to Qualify – Because FHA insures your mortgage, you may qualify for loans because of lower qualifying requirements.

Less than Perfect Credit – Even if you have had credit problems, it can be easier for you to qualify for an FHA loan rather than a conventional loan.

Low Downpayment – We have a low 3% downpayment.

Costs Less – FHA loans have competitive interest rates because the loans are insured by the Federal Government.  Always compare an FHA loan with other loan types.

Help You Keep Your Home – The FHA has been around since 1934 and will continue to be here to protect you. Should you encounter hard-times after buying your home, FHA has many options to help keep you in your home andavoid foreclosure.There is more to buying your home then the monthly house payment.  Contact a Mortgage Loan Officer at any of our locations to discuss your options!  Click here to meet our Mortgage Lenders.

Build, Purchase or Refinance your home

You found the perfect lot on which to build your dream home! You found the home that is just right for you and your family! Refinance to get a lower rate, consolidate bills, or cash out some of the equity in your home!

Whatever the reason, Keep It Local!

Every customer has a different situation. Working with a local lender means that your loan can be customized to meet your needs! Your loan officer will be happy to work with you, personally, one on one!

Reverse Mortgages Now Available

Reverse Mortgages are becoming more popular every year. Last year the volume of Reverse Mortgages increased over seventy percent. Learn Moreabout Reverse Mortgages.