At FNC Bank, our goal is to provide our customers with the most competitive rates in the market. Whether it's your first home, next home, or home build, we understand that your financial situation is unique. That's why we offer personalized mortgage solutions tailored to you. Experience unrivaled flexibility and service with FNC Bank.
The rates below are a sample of the variety of loan programs and rates available. These rates are base rates only and something to keep in mind when you are comparing rates to ensure you’re considering all costs involved.
Great for first-time homebuyers, seasoned homeowners, and refinancing customers.
USDA Rural Development
Great for first-time homebuyers and low- to moderate-income families living in rural areas.
Construction & Lot Loans
Great for individuals looking to buy land or build their dream home.
APR=Annual Percentage Rate.
Interest rates are based on a 45-day lock period. Products and rates are subject to change without notice. All loans are subject to credit approval, acceptable collateral, and available equity.
The above monthly payments do not include amounts for taxes and insurance premiums. The actual housing expense obligation will be greater.
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
(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.
Mindy
Small town service with a smile, big city offerings!
Patty
FNC Bank has been our bank for over 40 years! Never had any issues. Great service!
Richard
We have been customers of FNCB for over 40 years and have been satisfied customers the whole way!
Doreen
(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
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
Have been extremely happy for the past 32 years as a customer.
James
Banked here for 15+ years. The staff are always helpful and knowledgeable, I recommend this bank to everyone I can!
Auir
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
This is the best bank ever! I love you guys for all you've done for me over the years!
Jennifer
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
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
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
I appreciate that FNCB keeps up with all the current technology.
Kathryn
Always treated as family with every interaction!
Byron
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
Did a great job with refinancing our mortgage, very helpful. Meet all of our regular banking needs with accuracy and a personal touch.
Christine
The best bank I have ever used. Everyone is has been so kind and helpful!
Lisa
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.
