Personal Loans


Merchants National Bank has an extensive number of loan products for your personal borrowing needs.  Meet with one of our experienced loan officers and see how we can become part of your successful financial future!

Mortgage Loans

 

Mortgage Loans

When you need a loan for the purchase or refinance of your primary residence, a second home, or a real estate investment property, our home mortgage loan experts have a variety of loan programs to meet your needs.

  • 10, 15, 20, and 30 year fixed rate conventional loans
  • Adjustable Rate Mortgages (ARMs)
  • Jumbo mortgage loans
  • Interest only loans
  • Lot loans
  • Home buyers assistance program available

Construction Loans

 

Construction Loans

We have three different loan programs available including the most popular, a one-closing construction loan.  With the construction-permanent loan (one-closing construction loan) you pay interest only during the construction period and then regular payments when your home is complete.

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Home Equity Fixed Rate Loans

 

Home Equity Fixed Rate Loans

The equity in your home can be used for a variety of purposes, including a new pool, garage or debt consolidation.  By using the equity in your home, we are able to offer you attractive fixed rates and affordable payments.  The interest you pay may be tax deductible (please consult your tax advisor).

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Home Equity Lines of Credit

 

Home Equity Lines of Credit

You can tap into the equity of your home using a revolving line of credit.  Once your line of credit is approved you can use and reuse this line as often as you wish simply by writing a check or transferring the funds into your Merchants National Bank checking account.  Under current tax laws the interest you pay may be tax deductible (please consult your tax advisor).

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Installment Loans

 

Installment Loans

Is it time for a new or used car, truck or recreational vehicle?  We have the right rate and terms to meet your budget.  For added convenience, have your payment auto-deducted from your checking account.

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Credit Cards

 

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We are pleased to announce our partnership with TCM Bank, N.A., a bank that provides specialized Credit Card services to community banks nationwide. Through TCM, Merchants National Bank has a Visa® Platinum Credit Card available exclusively for our customers!Our Visa® Rewards Platinum credit card offers hometown convenience, worldwide acceptance and great benefits.

  • Competitive rates and terms:
    • No Annual Fee*
    • 10.24% to 18.24% variable APR on purchases based on your creditworthiness.*
    • 0% Introductory APR on balance transfers for the first six billing cycles. Afterwards, a 10.24% to 18.24% variable APR on balance transfers will apply. A 3% fee will be charged for each balance transferred, waived for balance transfers at account opening.*
  • Reward points for merchandise and travel. Visit cRewardssm at cRewardsCard.com for details.
  • Tickets good on any airline with no blackout dates
  • Chip Card Security
  • Fraud Monitoring and Zero Fraud Liability
  • Travel Accident Insurance1
  • Personal service from people you know


Apply Now  or visit your local MNB Branch Office


 Already a card holder?  Visit www.cRewardsCard.com to view your rewards

*See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.
1 Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.

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