Borrow Better

Whether you’re buying a home or a car, making home improvements or just consolidating personal debts, we've got you covered. We offer fast and easy loans for your long- or short-term personal and family needs.

Types of Consumer Loans

  • Mortgages

    Our lending experts will help you cut through the headaches and hassles of securing a mortgage. We offer fixed and variable interest rate mortgages, first-time homebuyer mortgages and special program mortgages to meet your needs. Learn more about what kind of mortgage is right for you.

  • Home Equity Loans and FlexLOC® Line of Credit (HELOC)

    If you need to borrow against your home, we’re ready to help. Home Equities offer tax advantages because interest  paid is generally tax-deductible, but we recommend you check with your tax advisor to be sure.

    We offer competitive fixed rate Home Equity Loans and variable rate Home Equity Lines of Credit, available in amounts from $10,000 to $300,000 on single-family residences, owner-occupied 1-to-4 family properties and condominiums.

  • Personal Lines of Credit (PLC)

    With a Personal Line of Credit, you may never have to apply for a small loan again. Any time you need money, just write yourself a loan by using your Personal Line of Credit checks. We offer a wide variety of lines of credit, including both secured or unsecured personal lines of credit, unsecured executive lines of credit for higher income individuals, and an unsecured credit establishment line of credit for individuals that need help building or starting their credit history. Click Here to start your online application. 

  • Credit Cards

    We offer VISA and American Express credit cards, with a wide selection of features and options. All of our cards feature competitive rates, a full range of reward options and online access. So why wait? You can start your application in just minutes here.

  • Auto Loans

    Found the car, motorcycle or truck of your dreams? We make automobile loans fast and easy, with the convenience of direct financing with a fixed rate for up to six years. Click Here to start your online application. 

All F&M Trust consumer loans are subject to credit approval.

 Helpful Loan Calculators

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Applying for a Mortgage, Home Equity Loan or Home Equity Lines of Credit is fast, easy and secure.


We’ve got the perfect checking account to match your style.

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Whether you’re saving for a vacation or an emergency, we’re ready to help.

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Bank your way with our financial services and resources.

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We have many options to make banking more convenient and accessible.

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