Location, location, location! Once you find it, lock it in with a lot loan.
Whether you’re planning to build, or using the land for recreation, FNC Bank offers competitive lot loans to get you started on your journey!
6.49%*
Only 10% Down
Lot Loans are 3/1 Adjustable Rate Mortgage (ARM) Loans. Rate is fixed for the first three years with variable rates each year after for the duration of the loan. These loans have a 10-year term based on a 20-year amortization rate.
*6.49% Rate has an Annual Percentage Rate (APR) of 7.993%. Good for lots under 10 acres. Purchase money only. **APR based on $50,000 loan amount. 10 year balloon feature. Adjustments are calculated by adding 3.50% to the Current Index. Current Index is the weekly average yield on the US Treasury securities adjusted to a constant maturity of one year. Adjustments are limited to 2.00% points per adjustment with a rate cap of 6.0% above the initial/floor rate.
Land loans over 10 acres have a rate of 7.75% (APR) of 8.398% and require 20% down payment. Refinance or purchase transactions available. **APR based on $100,000 loan amount. 10 year balloon feature. Adjustments are calculated by adding 3.50% to the Current Index. Current Index is the weekly average yield on the US Treasury securities adjusted to a constant maturity of one year. Adjustments are limited to 2.00% points per adjustment with a rate cap of 6.0% above the initial/floor rate.
Rates effective as of 4/5/23 are subject to change and can be discontinued without notice. Loans are conditional on credit approval and completed appraisal. Lot/ARM loans are subject to a 1.00% origination fee.
For current rates and payment examples, please visit our Mortgage Rate page.
Small town service with a smile, big city offerings!
Patty
Keep doing a great job in helping customers with fraudulent charges. Top notch support. Some of my friends have had these issues with fraud and they received ZERO support from their bank. (that was not FNCB)! Thank you!
Kate
FNC Bank has been our bank for over 40 years! Never had any issues. Great service!
Richard
Did a great job with refinancing our mortgage, very helpful. Meet all of our regular banking needs with accuracy and a personal touch.
Christine
I like the hometown feel and great customer service. I love the employees and they have went to great lengths to help me with things. Once I left my phone there and customer service called all my kids. Who does that? I love that they care that much.
Jean
(Mortgage lender) was fantastic at FNC Bank! He helped my family get a loan for our new home. We got a construction loan for a shouse/barndominium. I’ve always heard it can be a difficult process with a bank to get a loan for this type of home and he made it easy. He’s always helpful with any question I have and will give you a great experience.
Tiffany
I appreciate that FNCB keeps up with all the current technology.
Kathryn
Really great bank, down to earth and personal. Does not have the corporate feeling vibe, long holds on the phone etc. High quality experience for sure. If buying a home, (FNC Bank) is truly fantastic.
Shawn
I absolutely love this bank!! They are very personable and I have NEVER had an issue with anything!! I love the ability to work with a small bank that is NOT forced to follow the "Rules" of a corporate company!!
Cory
I have been with FNC bank for over 20 years and even though I have moved, I like the small town bank so I continue my accounts there.
Christyl
We have been customers of FNCB for over 40 years and have been satisfied customers the whole way!
Doreen
The best bank I have ever used. Everyone is has been so kind and helpful!
Lisa
Always treated as family with every interaction!
Byron
Banked here for 15+ years. The staff are always helpful and knowledgeable, I recommend this bank to everyone I can!
Auir
This is the best bank ever! I love you guys for all you've done for me over the years!
Jennifer
Have been extremely happy for the past 32 years as a customer.
James
So far this year we have opened up savings accounts for our children and navigated a stolen debit card number/fraud. Customer service reps in both situations were wonderful.
Jamie
Friendly and capable employees who go beyond the ordinary. I was very impressed with the loan officer who helped with the car loan I received even though the dealer was being ridiculous. It took people in the Hudson and New Richmond offices to get it done, but it was completed in one day.
Deborah
We have banked at FNC bank for over 20 years. We can not say enough about how helpful the personnel has been whenever we have needed help doing or understanding something.
Arthur
(Commercial Lender) was amazing to work with. My husband and I had a business idea and were not sure if the financing would work out. I'm so glad we called him. He was easy to work with, very responsive, and clearly knowledgeable in his field. Highly recommend.
