Loans
First National Bank of Giddings offers a variety of loan products to fit the needs of our customers. We are committed to responding as quickly as possible to your loan request. Because our loan decisions are made locally, we can offer our customers the friendly, professional, and competent service that few banks can match.
Personal Loans
First National Bank offers a full line of personal loans that can be customized to fit your needs, whether you're financing a new or used car, truck, boat, or recreational vehicle, purchasing household appliances or even going on a vacation.
Commercial Loans
First National Bank has a full line of business loans to assist you in growing your business through equipment purchases, short term working capital, facility purchases, or expansion of your product line.
Equipment Loans
Equipment loans are made for most business purposes including plant equipment, rolling stock, computer hardware and software, etc. Loan terms for equipment depends upon the economic life of the equipment. Generally, they do not exceed five years.
Working Capital Loans
Working Capital loans are available to finance short-term credit needs due to receivable and inventory build-up, seasonal factors, etc. These loans are offered on a revolving and non-revolving basis with the typical term being less than one year.
Commercial Real Estate Loans
Commercial Real Estate loans are available for businesses that need to purchase or construct a facility or re-model an existing facility. Attractive rates and terms are available.
SBA Loans
A guaranteed Small Business Administration (SBA) loan may give you the opportunity to reach your goal of opening a business when you otherwise may not have had the opportunity. SBA loans are also available for those already in business. If you own a business and have properly prepared your financial and earning statements, we can work with you in deciding whether a SBA loan is best for your needs.
Our Agriculture loan program includes the following:
Operating Loans
Operating loans are available to finance your credit needs when sales occur seasonal or when awaiting the sale of crops and livestock. Operating loans are generally due within one year.
Equipment Loans
Equipment loans are available for trailers, tractors and other farm implements. The terms are generally 3-5 years depending on the life of the equipment.
Livestock Loans
Livestock loans are available for the purchase of cattle. The loan terms vary but are generally due with the sale of the livestock and/or offspring.
Mortgage Loans
First National Bank offers a full line of Real Estate Loan Products to assist you in your next purchase.
Home Mortgages – Home Mortgage loans are available for to purchase or construction of your next home as well as refinancing of your existing home mortgage. Whether the home is on a lot in town or in the middle of a 200 acre farm, non-conforming real estate is never a problem at First National Bank.
Home Improvement Loans
Home Improvement loans are offered to remodel or to enlarge your existing home. These loans can also be combined with a new home mortgage to make that new home purchase the home of your dreams.
Lot and Small Acreage Loans
Lot and Small Acreage loans are offered when you have found that perfect location for your future home but are not ready to start construction.
Farm and Ranch Loans
Farm and Ranch Loans are available not only where agriculture is your primary business, but also for that weekend get-away location out of the city.
Commercial Real Estate Loans
Commercial Real Estate loans are available for businesses that need to purchase or construct a facility or remodel an existing facility. Attractive rates and terms are available.
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