Loans
& Other
Products
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| Loans: |
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We offer loans to meet every need. Personal loans are available including consumer loans for cars, vacations, home equity, and lines of credit. Real estate loans serviced in-house or long term for the secondary market are also available at competitive rates.
Small business loans, operating loans, and lines of credit are available for our commercial customers.
Agricultural customers have access through us to farm real estate purchase loans, operating loans, and loans for livestock and machinery purchases.
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| Certificates of Deposit: |
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Traditional CD’s and "super-savers" which can be added to are available. Call us for information on our current great rates!
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| Individual
Retirement Accounts: |
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Don’t forget to set up your IRA with First Trust - we’ve got terms and rates that will assure your investment will grow safely, and annual reports keep you informed of your account’s value.
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| Other
Services: |
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Ask any First Trust representative for details on overdraft protection, safety deposit boxes, telephone banking, low interest credit cards, and much more!
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| Internet
Banking: |
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It doesn’t get any more convenient than this! We are proud to be one of the few hometown banks that can offer this technology to our customers. Free 24-hour secure access to your accounts from any
computer is just one of the advantages of Internet Banking with First Trust! Check out our demonstration for details and how to get started! |
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Checking and Savings Accounts
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For more details on our accounts, pick up a Personal Accounts brochure at one of our offices, or request one by e-mail here at our site.
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| Free
Checking Account: |
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No
monthly fee and no minimum daily balance
required. Unlimited check writing. Stop by
one of our branches or email us for more information
about this convenient account. |
| Regular
Account: |
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No monthly fees,
unlimited check writing and debits if you maintain a $300 minimum daily balance. If your balance falls below the minimum, an $8 monthly fee will apply, and each debit over 20 will cost $0.20 each.
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| First Club: |
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No minimum balance requirements and unlimited
check writing and other debits, all for a flat $12 monthly fee. We also provide you with your checks and other perks. Pick up a Personal Accounts brochure, or request one by e-mail for details.
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First Advantage: |
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This unique account if available to those customers who
have an aggregate daily balance of $10,000 or more in
all of their accounts. Your first box of checks is
free and you earn interest on your account! If
your daily aggregate balance does fall below $10,000 a
$10 monthly charge will apply.
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| NOW Account: |
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Interest bearing and unlimited
check writing with a $900 minimum daily balance. A $8 monthly fee applies if the balance falls below the minimum. This account requires $900 to open.
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| Money Market: |
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Our Money Market account pays interest based on tiered rates that increase with account balance. This account requires $2,500 to open and to be maintained as a minimum daily balance. A $13 monthly fee applies if balance falls below the minimum. Debit and transfer limits apply, please see account brochure for details.
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| Statement Savings: |
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Savings account requiring only a $300 minimum balance to avoid a $5 monthly fee. Debits from this account are limited to 4 per month. Additional debits are $1. Transfer limits apply, please see account brochure for details.
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Commercial/Business Accounts
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For more details on our accounts, pick up an accounts brochure at one of our offices, or request one by e-mail here at our site. All Business accounts require $100 to open.
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| Basic Business: |
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No monthly maintenance fee and 25 debits free per month. If you use more than 25, they are only $0.20 each. If an average daily collected balance of $750 is maintained, the monthly service charge of $6 is waived. There is no charge for each deposit, and you can have 50 items deposited per month at no charge. Each item over 50 is $0.15 each.
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| Small Business: |
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No monthly maintenance fee and 50 debits free per month. If you use more than 50, they are only $0.15 each. If an average daily collected balance of $3,000 is maintained, the monthly service charge of $8 is waived. There is no charge for each deposit, and you can have 50 items deposited per month at no charge. Each item over 50 is $0.10 each.
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| Business Plus: |
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An account that can earn you interest! There is no monthly maintenance fee for this account, and no service charge with an average daily collected balance of $5,000. If the balance is below the minimum, a $10 charge will apply. You can write 50 checks or have other debits free per month, and any over 50 are only $0.15 each. Deposits are $0.25 each, and the first 50 items are free. Over 50, they are $0.10 each.
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| Commercial: |
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For our larger business customers. No balance requirements and a low
$20 monthly maintenance fee. Checks written and other debits are just $0.15 each. Deposits are $0.15 each, and
$0.12 per item. Please come in to visit with us for details. For maximum investment benefit, ask about our Sweep Account! (A non-FDIC insured account.)
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