Apply Today

Apply Today

We make it easy to apply for loans and new accounts!

Our secure applications only take a few minutes to fill out and submit. If you have any questions, our expert lenders or tellers will be happy to help!

IMPORTANT SERVICE AREA NOTICE: Please read this information before completing our secure application for a loan or deposit product. First National Bank of Waterloo’s regular service areas are in the following counties: in IL – Bond, Clinton, Effingham, Fayette, Madison, Marion, Monroe, Randolph, Shelby, St. Clair and Washington counties and in MO – St. Louis and St. Charles counties and St. Louis City. If you are outside of our service area, we will contact you for further consideration as we decide whether we can provide you with account services at this time.

Loan Applications

Auto Loan

If you’re in the market for a new pre-owned vehicle, we have the lending solution for you! Let First National Bank of Waterloo help you hit the road today.

Apply NowSee Rates

Personal Loan

From major purchases to unexpected expenses, we can design a loan to fit your financial situation. We even offer a loan to help build your credit score!

Apply NowSee Rates

Credit Card

Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

Apply NowLearn More

Home Equity Loan

Your home is worth a great deal of money, and that value can be used responsibly to finance a loan when you need one. What are you waiting for?

Apply NowSee Rates

Mortgage Loan

Our goal is to provide the highest level of service at competitive rates. Applying online is easy. You can apply now in as little as 20 minutes.

Apply NowSee Rates

Construction Loan

Our construction loan rates are always super competitive. We have a loan for you that will work with your budget and meet all of your financial needs.

Apply NowSee Rates

Deposit Applications

Certificate of Deposit

A fantastic and easy way to grow your money while keeping it safe with a variety of flexible terms and rates that best meet your savings goals. Start yours today!

Apply NowSee Rates

Checking & Savings

We offer a variety of products to meet our customers’ needs. We believe there is a checking or savings account at First National Bank of Waterloo that works for everyone!

Apply NowSee Rates

Business Checking & Savings

First National Bank of Waterloo can make things simple and easy so you can concentrate on running your company.

Apply NowSee Rates

We don’t just offer accounts, we build relationships.

Looking for a better banking relationship? We’ve been at this for 110 years and our favorite part has been creating relationships with you and seeing your continued success.

Make the switch today!

SWITCH KIT