Are you thinking about buying a new home or investing in some property? Or maybe you have decided to buy a new or “new to you” vehicle, refinance your home or remodel your existing home. If this sounds familiar, FCNB provides smart solutions at competitive rates.


Consumer Loan Promotion
*APR = Annual Percentage Rate. Rate discount available for qualified borrowers that meet lending criteria for a new or used auto or recreational vehicle loan; subject to approval. Requires automatic payment from a qualifying FCNB Bank checking account. Refinances of current FCNB Bank loans not eligible. FCNB Bank has the right to cancel this promotion at any time.

Auto Loans

When you find “the one,” we have the loan for you. Low rates, flexible terms and easy financing makes an Auto Loan from FCNB the perfect fit. New and Used Car Loans available. In many cases, we offer same day approval on your loan with instant loan closings. For convenience, we offer an automatic payment system that instantly pays your loan monthly.

Recreational Vehicle Loans

Whether it is a boat, motor home, camper, motorcycle or ATV, you can purchase your dream at an affordable interest rate. We offer flexible terms and quick approval.

Home Equity Line of Credit (HELOC)

A home equity line of credit (HELOC) is an open line of credit that is secured by the available equity in your home. It provides a revolving credit line to use any way you choose while maintaining the low interest rate on your first mortgage. The credit can be accessed quickly with the FCNB HELOC Credit Card or checks and can be put to a wide variety of uses such as home renovations, tuition, vacations, debt consolidation, furniture upgrades, vehicle purchases, emergency expenses and more. And with HELOC’s, the cost of borrowing can be far less than credit cards and loans.

Heloc graphic

Real Estate Loans

Owning the home of your dreams can become a reality with a Real Estate Loan from FCNB. We provide specialized loans to meet your needs:

  • New Home Purchases
  • Refinancing of Existing Home
  • Conventional Loans
  • Fixed Rate Mortgages
  • Adjustable-Rate Mortgage (ARM) Loans
  • Home Improvement Loans

Construction Loans

Are you ready to build your dream home? A Construction Loan will allow you to pay for all of your materials and labor, while you only pay the interest charges. Upon completion of the home, the Construction Loan can be converted to a Real Estate Loan.

General Loan Information

Credit Life and Disability Insurance is available on select loans to customers at their option and cost. Options for educational loans and signature loans are available. All loans are subject to approval.

Insurance products are not guaranteed by the FDIC or any Federal Government Agency. They are not a deposit of, or guaranteed by, the bank or any bank affiliates.


Meet Our Lending Team

business photo of Nathan Booker

Nathan Booker

VP, Commercial Loan Officer

Sullivan Financial Center

(573) 468-3141

NMLS #1280876

Shannon Reed

Shannon Reed

AVP, Loan Officer

Rolla North Financial Center

(573) 426-3262

NMLS #2393493

headshot of Teresa Fudge

Teresa Fudge

VP, Market Leader

Cuba Financial Center

(573) 885-3500

NMLS # 597553

photo of Adam Housewright

Adam Housewright

VP, Market Leader

Rolla Financial Centers

(573) 426-3262

NMLS # 595449

Business Photo of Samantha West

Samantha West

Mortgage Lending Manager

Steelville Financial Center

(573) 351-0341

NMLS# 1779245