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First National Bank of Germantown offers a variety of loans to meet your needs.  By offering competitive rates and a personalized experience, we are able to stay in front of the competition.  Here's a small sample of loans we offer to our customers:

  • Auto Loans
  • Motorcycle Loans
  • RV Loans
  • Lawn Equipment Loans
  • ATV Loans
  • Home Purchase Loans
  • Refinance Loans
  • Home Equity Loans
  • Home Equity Line of Credit
  • Construction Loans
  • Land Purchase Loans
  • Credit Cards
  • Personal/Signature Loans
  • Personal Line of Credit

Applying for credit is easy at FNB Germantown. Complete an application below or contact our lending team for more information. 

Credit Cards


  • 8.99% APR*
  • No Annual Fees
  • Earns Rewards

Spartan Card (support your local Valley View Booster Club):

  • $10 Donated to VVBC for every card opened
  • 1% of every purchase goes to VVBC

* Annual Percentage Rate. Subject to credit approval.  Must be 18 years of  age or older to apply for credit. Please review Terms & Conditions for interest rates and account fees before applying for credit.  Interest rate advertised is not a promotional rate. 


Consumer Loans

We think customers are special and their installment loan needs are unique to their particular circumstance. We don’t believe those unique needs are met with a one size fits all cookie cutter approach to installment loans by type or terms or rates. That’s why the first question we’ll ask you is, "What do you have in mind?" Followed by, "How can we help?" Once we understand your installment borrowing needs we will work with you to structure an installment loan that meets your unique requirements. Nothing fancy or sophisticated, it’s just the way FNB Germantown meets the installment loan needs of the people in the Germantown area we serve.

FNB Germantown is a locally owned and operated independent community Bank. That means all of our loan decisions are made quickly and locally by people you can talk with on the telephone or meet with in person. We love to meet with our customers about their borrowing requirements no matter how big or how small they may be.

We provide competitive rates, flexible terms on installment loans for cars, boats, motorcycles motorhomes, travel trailers, home lawn and garden equipment or any other worthwhile purpose you may have in mind.

Apply Now or   Print Application

 Mortgage - Purchase, Refinance, and Home Equity Loans

FNB Germantown NMLS #806474

Whether you have already found your dream home or are still looking, we are here to help you understand the mortgage programs we have available for you. We process our applications locally, make timely decisions, close and service your loan at the bank after it is closed. It is all done locally by people you can call or meet with anytime you have a question. We are here to help you through the myriad of mortgage alternatives and requirements.

We provide mortgage loans for:

  • Primary residency
  • A second home
  • Refinancing your current mortgage loan
  • Construction loans

Is refinancing right for you? The process of refinancing your home can be costly and time consuming. Saving money shouldn't be a hassle and at First National Bank of Germantown we do our best to make it easier on you! The savings from getting a lower interest rate on your home can add up fast. The average mortgage balance in the State of Ohio1 is $129,106 (Source: Depending on your current interest rate, you could save thousands of dollars over the life of the loan.

Home Equity Loans

Use home equity loans to consolidate debt, finance home improvements, or pay for your child's college tuition.  Terms as long as 20 years with competitive rates.  Call a lender for more information.

Home Equity Line of Credit

A HELOC is great tool for ongoing projects or to cover unexpected expenses.  Our HELOCs are competitively priced and include draw terms up to 10 years and repayment terms up to 15 years.  If you're looking to fix up your home and have equity, this may be the product for you!

 Print Application or reach out to one of our lenders:

Andrew Moss

NMLS 1085065

E-Mail Andrew

Justin Kozuszek

NMLS 406689

E-Mail Justin

Nickey Owens

NMLS 1680767

E-Mail Nickey

Thomas Winning

NMLS 1643475

E-Mail Tom

 All loans are subject to credit approval.  Must be 18 years or older to apply for credit.