- Not insured by the FDIC or any other government agency
- Not bank guaranteed
- Not a deposit or obligation
- May lose value
No matter what need you have, we offer flexible personal loan options to fit your situation. Applying for an unsecured or secured loan is a quick process and there’s no limit on how you can spend the money. Unsecured lending products don't require any form of collateral, while secured options do.
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f1RST® Quick Loan
Apply now
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Personal Loan
Apply now
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Unsecured Line of Credit
Apply in person
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Origination fee
1
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$50
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$50
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$50
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Prepayment penalties
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$0
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$0
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$0
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Variable or fixed interest rate
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Fixed interest-only payments during draw/fixed during repayment
2
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Fixed
3
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Variable
4
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Maximum loan amount
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$250,000
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$250,000
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$250,000
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Maximum loan length
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6-month draw then 5-year repayment
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60 months
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24 months
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Is collateral required?
Collateral refers to any asset or property a borrower pledges to the bank in exchange for a loan. It can be used for backup for loan payment by the bank if the borrower defaults on their debt.
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Access to funds
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Online transfer, checks, financial center withdrawal.
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One-time lump sum payment up front.
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Online transfer, checks, financial center withdrawal.
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Borrow money when needed
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Secured Loan
Apply in person
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Secured Line of Credit
Apply in person
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Credit Achiever
Apply in person
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Origination fee
1
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$50
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$50
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$0
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Prepayment penalties
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$0
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$0
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$0
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Variable or fixed interest rate
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Fixed
5
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Variable
6
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Fixed
7
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Maximum loan amount
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$3,000,000
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$3,000,000
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$3,000
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Maximum loan length
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120 months
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120 months
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48 months
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Is collateral required?
Collateral refers to any asset or property a borrower pledges to the bank in exchange for a loan. It can be used for backup for loan payment by the bank if the borrower defaults on their debt.
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CD | Savings | Investments
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CD | Savings | Investments
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CD | Savings
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Access to funds
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Online transfer, checks, financial center withdrawal.
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Online transfer, checks, financial center withdrawal.
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One-time lump sum payment is deposited into an interest-earning savings account, which is used as collateral. Reduce the loan balance and improve your credit with each on-time payment.
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Borrow money when needed
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You know you need extra cash; now what? Whether you need to consolidate debt, make home improvements, or cover unexpected expenses, check out our tools and resources to help you borrow with confidence.
APR = Annual Percentage Rate. All loans are subject to credit review and approval and rates are subject to change without notice.
1 Fees may be waived depending on relationship-based account benefits. For additional information on loan benefits, please view our checking account options.
2 Online First Quick Loan applications must be requested in amounts between $2,000 and $50,000. Applications above $50,000 must be made in a branch and require additional information and documentation. The loan will have a draw period with a promotional rate for the first six months. After six months any outstanding balance will convert to a 60-month term loan which will require principal and interest payments. Some loans may be eligible for additional relationship-based account benefits. For information on loan benefits, please view our checking account options.
3 Online personal loan applications must be requested in amounts between $2,000 and $250,000. If you intend to request more than this, please contact your local financial center. If the amount you request is greater than $250,000, your application may be declined or underwriting delayed. Loan amounts above $50,000 may require proof of verified liquid assets. Your final rate will be determined based on your loan amount, term, and credit score. Some loans may be eligible for additional relationship-based account benefits. For information on loan benefits, please view our checking account options.
4 Your final rate will be determined based on your loan amount, term, and credit score. The applicable interest rate is indexed to the Wall Street Journal (WSJ) Prime Rate and is subject to change with the WSJ Prime Rate. Some loans may be eligible for additional relationship-based account benefits. For information on loan benefits, please view our checking account options.
5 Your final rate will be determined by the type of liquid assets you use to secure the loan. Some loans may be eligible for additional relationship-based account benefits. For information on loan benefits, please view our checking account options.
6 Your final rate will be determined by the amount of assets in savings, certificate of deposit, or investment accounts used as collateral. The applicable interest rate is indexed to the Wall Street Journal (WSJ) Prime Rate and is subject to change with the WSJ Prime Rate. Some loans may be eligible for additional relationship-based account benefits. For information on loan benefits, please view our checking account options.
7 No withdrawals from the savings account are permitted until the loan is paid in full. There are no fees associated with the Credit Achiever product. Maximum loan term is 48 months.
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* Are not insured by the FDIC. Not a deposit. May lose value.
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