The traditional Individual Retirement Account allows you to defer taxes on your earnings until they are withdrawn.  Also, certain contributions are tax deductible in the tax year for which they are made.

 

We offer similar deposit account options to businesses.  Please feel free to contact one of our account representatives for details.

 

If a community bank is to be successful it must offer loan products that are as diversified as the customers that it serves.   At The First National Bank of Girard, we are proud to assist people from all walks of life with their lending needs.  Our customers range includes local farmers, business owners and their employees to retired citizens.

 
Agricultural Loans

FNBG has established an excellent reputation as an Agricultural lender.  FNBG has sought out loan officers with a strong Ag background to better serve this segment of our customer base. We offer all types of farm lending, including operating, livestock and equipment loans.  We are also very competitive in the area of farm real estate.

There is nothing like the feeling of owning your own home.  Through the years, FNBG has helped many people purchase or build their first homes.  We currently offer one, three and five year balloon mortgages with amortizations up to twenty years.  When a home loan is originated at FNBG, that loan stays at FNBG.  If there is ever a question or problem, you can walk right in and discuss it with one of our loan officers.  Your loan and your money will remain in the same community that you live, unlike a larger bank where your loan may be sold several times before maturity.

 

Ready to build a new home? We offer construction loans that you will allow you to advance the money as you need it. Pay the interest monthly and when construction is completed you are ready to convert to a conventional real estate or a secondary market loan.

If a fixed rate home loan better fits your needs then check with one of our Real Estate Loan Officers about a secondary market loan.   FNBG takes the application and counsels the borrower and can seek out the company that has the best rates and terms for you.

At some time almost everyone must borrow for a car.  Whether it’s a new car or just new to you, FNBG can help with the financing.  Rates will vary based on the term of the loan and the year of the car.

The loan officers at FNBG understand that from time to time a person may simply need some cash to help them through their daily lives.  Whether you need money for a family vacation or that unexpected bill, FNBG can offer you a financing plan that fits your needs and budget.

At FNBG, we understand how important it is to keep businesses alive in our local communities.  These businesses are not only an important part of our customer base, they also provide convenience and job opportunities for all the people who live in our communities.  FNBG works hard to meet the needs of the small business by offering a wide range of loans.  These include loans to purchase buildings, equipment and operating loans.  Whether you are starting a new business or expanding an existing one, FNBG can help you with a financing plan that works for you.