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Consolidate your debt with a home equity line of credit or a debt consolidation loan.

Is debt piling up? Let us help.
At First National Bank we are committed to helping you succeed financially. If your monthly payments are getting a little out of control, we have just what you need. We've put together two debt consolidation offers with rates that you won't find anywhere else. And if you do, we'll match any competitor's rate. And, if you pay off your loan early, we won’t charge you a pre payment penalty.


Home Equity Line of Credit
A home equity line of credit is the smart way to pay for things. It could help you consolidate your higher-interest debt into one low monthly payment by using the equity in your home as collateral.

No Debt? No Problem.
Make your home's equity work for you by using it to fund home improvements, vacations, wedding costs, an auto purchase or unexpected expenses. It's a flexible plan that gives you lots of options for your money. So stop putting off whatever it is you've been dreaming of and make it a reality with a home equity line of credit.

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Personal Chart

Personal Debt Consolidation Loan
If a home equity line of credit doesn't serve your needs, we can put together a fixed-rate Personal Debt Consolidation Loan that's right for you. For a low monthly payment, you can have access to cash to consolidate your monthly payments.

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†Offer is limited to home equity lines of credit and unsecured personal loans from a financial institution within First National Bank lending area. The competing rate must be a current offer or rate and valid documentation of the rate (advertisement, flyer, statement, etc.) must be presented to a Personal Banker at the time of application. Offer is based on credit qualifications and approval for like products and terms. Excludes credit card offers, interest-free payment plans and offers with terms of less than two years. New money only and may not be combined with any other First National Bank offer.

*Offer refers to a home equity line of credit secured by the equity in your single-family, owner-occupied home. Offer applies to Colorado residents within the First National Bank lending area. New money only and consumer accounts only. You must carry insurance on the property that secures your account. Approval and terms subject to credit qualifications. Some limitations will apply. You may be required to pay certain fees to third parties. These fees generally total between $34 and $820. The Annual Percentage Rate (APR) will be a fixed introductory 1.99% APR for two years or 4.25% APR for five years after your account is opened. Thereafter, as of January 1, 2014, the variable APR ranges from 4.50% APR to 6.25% APR. This APR is based on The Wall Street Journal Prime Rate (“WSP”) Index +1.25% to WSP Index +3.00% (4.50% APR to 6.25% APR) depending on type of checking account, credit qualifications and appraised or tax-assessed value, but will never exceed an 18% APR and has a floor rate of 4.50% APR. The index is the highest daily prime rate published in The Wall Street Journal “Money Rates” table and becomes effective the first business day of the following month. An annual fee of $50 applies and can be waived with a First National Premier Checking account. Minimum credit line is $10,000. Making only minimum payments during the 10 year draw period will result in a balloon payment or a balance that must be repaid within the next 20 years at a higher minimum payment as outlined in the agreement. See a Personal Banker for complete details.

**The 5.99% Annual Percentage Rate (APR) applies to a 36-month loan term. A variety of terms are available with APR ranges from 5.99% to 11.99% APR. Checking account is required to receive promotional rate. Minimum loan amount is $1,000. Approval and terms subject to credit qualifications. Some limitations will apply. Personal loan APR accurate as of January 1, 2014. The following payment example assumes a 36-month term loan at 5.99% APR with 60 days until the first payment. Every $1,000 you borrow would consist of a monthly payment of $30.00 for 36 payments. See a Banker for details.

All offers expire February 28, 2014.

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