Apply Today

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

Whether you are looking for a mortgage or construction loan for a new home, or you need a home equity line of credit to make improvements to your current home, at First National Bank of Waterloo you’ll find our lenders ready and eager to assist you in one of the most important loan decisions of a lifetime.

Whether you’re starting a new business or looking to expand an established business, we have a range of solutions to help you.

If you are looking to open a new bank account or switch an account from your current bank, we make that easy for you, too. Simply click on the link below and fill out your application.


Important Notice

Please read this information about our service area 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
| Personal Loan | Credit Card
 Home Equity Loan | Mortgage Loan Construction Loan


Deposit Applications
Certificate of Deposit Application
Checking & Savings Account Application
Business Checking & Savings Application
Switch Kit

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