Personal Banking Products
Deposit Products

Personal Checking Account—A no nonsense approach checking that has a low minimum balance requirement, has low fees and has plenty of flexibility. Overdraft protection and an ATM or Visa Debit Card is also available to qualified checking account holders.

Sixties Club Checking—This “Golden” Account offers many advantages to eligible members who are 60 years or older. Benefits include, no checking account fees, free personalized checks, free travelers checks and free copies of medical forms and free notary service. Sixties Club members may also have NOW Accounts and Money Market Accounts and receive these same benefits including a competitive rate of interest.

NOW Account—This interest bearing checking account pays a competitive interest rate each month and requires a low minimum balance to qualify. ATM or Visa Debit Cards are also available for your convenience.

Super NOW Account—The Super NOW Account is similar to the traditional NOW account except that it pays a slightly higher rate of interest. In addition the account pays a tiered interest rate based on the amount that you maintain in your account.

Money Market Account—The First National Bank Money Market Account also pays a slightly higher rate of interest than the Super NOW account. The Money Market Account rewards you for maintaining a higher daily balance with a tiered interest rate. This account offers up to six withdrawals per month for added flexibility.

Personal Savings Account—Saving for a rainy day? First National Bank in Exeter’s passbook savings account pays you to save for those future goals. We can set up an automatic transfer from your checking account to help ensure that you reach your savings goal.

Certificate of Deposit—First National Bank in Exeter offers a variety of interest rates and deposit terms ranging from three to 60 months. We also offer a “Prime Rate” variable rate certificate that gives you the opportunity to earn a market rate as interest rates change.

Retirement Accounts—First National Bank offers a variety of deductible and non-deductible retirement accounts. Whether you are an employee or self-employed we have a retirement account to fit your needs.

Index Powered® CD—The Index Powered® CD is an FDIC insured certificate of deposit tied to Standard & Poor's 500 Index. The Index Powered® CD was developed with today's investor in mind and is available at First National Bank in Exeter. With an Index Powered® CD, you can enjoy the peace of mind of having your principal guaranteed and FDIC insured (up to $100,000.) while having the potential for higher returns of the stock market. You can find out more about the Index Powered® CD by calling one of our helpful customer service representatives or logging on to www.indexpoweredcd.com

Loan Products

Agricultural Loans—First National Bank is located in the heart of America where agriculture is king. We provide money for agricultural production, machinery and farm real estate. Our experienced lending staff can tailor a loan package to fit your cash flow and to fill your needs.

Commercial Loans—Like Agricultural loans, we will tailor a loan package to fit your needs. Weather you have an established business or are starting a new one we are here to help. We use all the tools available to help get your business where you want it to go. We can also utilize SBA and community development financing to help make your business reach its full potential.

Personal Loans—First National Bank has flexible lending programs available for all types of purposes. We can help with your remodeling project, purchasing furniture or any other personal need. First National Bank is proud of the experienced loan officers that can structure your loan to fit your budget. We believe community banking is all about helping people make their dreams become a reality. That’s personal lending at its best from First National Bank.

Mortgage Loans—Buying a home should be one of life’s most rewarding events. At First National Bank, our lending specialists are committed to making your home purchase or refinance experience a relaxing one. Step-by-step, we’ll take you through the process, and you’ll discover a better way to finance your home at First National Bank. We also have first time homebuyer funds available to help potential new homeowners fulfill their dream of owning a new home.

Car Loans—Whether you are purchasing that car you’ve always dreamed of, or the car that simply gets you where you need to go, First National Bank will help get you behind the wheel.

Student Loans—First National Bank has partnered with Nebraska Bankers Bank and Brainscratch.com to offer both Federal Stafford and Federal Plus loans. Students and parents can pick up a loan form at the bank or can apply online at www.Brainscratch.com. With Brainscratch.com you can not only apply for loans but you can manage your existing loans as well. You can apply for automatic payments, order coupon books, look in to loan consolidation and get tips to help you manage and repay your loan. Simply use the Lender Code 833548 when applying to take advantage of this great service.