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Loan Products  
   
Fixed Rate Conventional Mortgages  
Buying or refinancing a home is one of the most important personal and financial decisions you will make in your lifetime. The First National Bank of Groton has a well-trained staff to assist you in making your dream come true with a home mortgage loan.

We will guide you through the application process to a speedy commitment (if you qualify) to assure the earliest possible closing date. Typically, we are able to make a mortgage commitment within 3 business days of receiving the loan application and documents necessary for income verification.

The First National Bank of Groton, unlike many financial institutions, does not sell the mortgages we make in the secondary market, but holds them as valuable investments. This means that you will be able to make your payments at our Offices and take advantage of our friendly, quality service for the duration of your mortgage loan.

At First National you are more than just an account number - you are a valued customer. For more information, call or visit one of our loan specialists soon.

Click here for more information regarding Mortgage Loans

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Consumer Loans  
At The First National Bank of Groton, a well-trained, experienced staff is available to assist you in tailoring a loan to fit your needs.

Because The First National Bank of Groton is an independent community bank, we will be able to give you a quick response to your loan request, many times on the same day. You won't have to wait for a committee in some far away city to make a decision on your loan. You will find our interest rates to be very competitive and our service first rate.

The First National Bank of Groton offers loans for almost any purpose:
  • Car/Truck loans
  • Motorcycle loans
  • Business loans
  • Credit cards
  • Overdraft checking
  • Home improvement loans
  • Recreational vehicle loans
  • Personal loans
Call or stop in if you would like additional information.

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New Car/Truck Loans  
Experienced, knowledgeable staff are available to make speedy responses to loan requests. Attractive interest rates are available for new vehicle loans for a term of up to 60 months.

Click here for new car/truck rates

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Used Car/Truck Loans  
We have experienced strong demand for used vehicle loans. You should check out our terms before shopping elsewhere.

Click here for used car/truck rates

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Home Equity Loans  
Your home is a valuable asset and is probably the single largest investment you will ever make. The First National Bank of Groton recognizes this fact and has developed convenient Home Equity loan programs that allow you to borrow money for any purpose against the equity in your home. We will consider loan requests for up to 80% of the appraised value of your property.

An additional benefit of this type of loan is that the interest may be deductible for income tax purposes (we suggest you discuss this with your tax advisor to determine the actual tax deductibility of interest).

The loan specialists at The First National Bank of Groton are well trained and ready to answer your questions about this popular loan program. Call or stop in for more information.

Click here for more information regarding Home Equity Loans

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    Each depositor insured to at least $100,000
    The First National Bank of Groton
P.O. Box 38, 161 Main Street, Groton, NY 13073 • 41 S. Main Street, Moravia, NY 13118
(607) 898-5871 • (315) 497-2707
Buzz: (607) 898-9700 • (315) 497-2200