Whether it is a new car, vacation, home improvement, or debt consolidation, we will work with you to find the loan that fits your needs. As a locally-owned bank, all decisions are made with you in mind. If you’re ready to apply, one of our branch managers would love the opportunity to work with you. Give us a call at (605) 335-5200 or send us an email.
Explore all the possibilities
Personal Loans
Home Equity Line of Credit
Secured by the equity in your primary residence, this revolving line of credit makes money available when you need it.
Revolving line of credit for current and future purchases
Use your credit when you decide
Competitive, variable interest rates
Interest-only payments
Payment flexibility
Interest may be tax deductible*
Apply NowHome Equity Loan
Great for one-time financing needs, a home equity loan allows you to use the equity in your home as collateral for a loan to use as you wish.
Lump-sum distribution
Fixed interest rate
Fixed term & terms to meet your needs
Set monthly payments
No prepayment penalty
Interest may be tax deductible*
Apply NowAuto
A variety of terms and competitive rates available.
Features
New or pre-owned vehicles.
Loan amounts start at $3,000
Terms range from 24 to 72 months
Qualify for a 0.25% rate discount with automatic payments from one of our checking or savings accounts
Apply NowRecreational Vehicle
We offer a variety of terms and competitive rates to get you set for adventure.
Features
New or pre-owned vehicles
Loan amounts start at $3,000
Terms range from 12 to 72 months
Qualify for a 0.25% rate discount with automatic payments from a First National Bank checking or savings account
Apply NowPersonal Lines of Credit
Get fast, easy access to credit when you need it with this revolving line of credit.
Features
Loan amounts start at $10,000
Secured or unsecured
Interest-only payment option
1 and 3 year renewal terms
No collateral necessary if unsecured
Payment flexibility
Qualify for a 0.25% rate discount with automatic payments from a First National Bank checking or savings account
Apply NowUnsecured Personal Loans
For your one-time financing needs.
Features
Fixed interest rate
Fixed monthly payments
Loan amounts start at $3,000
12-, 24-, and 36-month terms
No collateral required
Apply NowOverdraft Lines of Credit - First Reserve
Protect yourself from the ups and downs on income and expenses with this lower-cost alternative to paying overdraft charges.
Features
Loan amounts start at $100
First National Bank checking account required
Links directly to your First National Bank checking account
Transfers money automatically**
*Consult your tax advisor.
**Transfer fee applies.
The First National Bank in Sioux Falls is an Equal Housing Lender. Our lending area is within a 50-mile radius of Sioux Falls, South Dakota.
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