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Apply for a Loan or Open an Account

We look forward to receiving your application for a loan or opening your new account with The First. Residents of Kansas may apply online for a loan or open an account. Feel free to contact us at any of our locations.

Personal Loan
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Personal Loans are those that are unsecured. Use the Apply Now link here for this type of loan.

Vehicle Loan
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Apply for this type of loan if you want to finance a new vehicle or use an existing vehicle to secure your loan. Vehicles include: Cars, Trucks, Motorcycles, Boats and RVs.

Personal Line of Credit
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The Apply Now button will link you to an application to complete for a Personal Line of Credit.

First Mortgages
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We offer a wide range of first mortgage loans and we’ll help you determine what best fits your needs whether you are looking to purchase a new home or refinance an existing mortgage. Our mortgage loans stay right under our own roof which means we service your mortgage in house. Payments are made locally, questions are answered locally. To start the application process online, use the link provided here. One of our home mortgage specialists will be in touch with you within one business day.

Home Equity Line of Credit
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A home equity line of credit is perfect for expenses with multiple payouts from remodels to college tuition. Borrow as you need, pay back as you go and you’ll avoid paying interest on the money you need until you actually use it. First National Bank of Hutchinson is currently offering a home equity line of credit starting at 3.75% APR1. To start the application process, use the link provided to download an application. Contact or visit any of our locations (except Avenue A in Hutchinson) and one of our representatives will help you through the process.

1 Subject to credit approval and mortgage position, up to 80% LTV. Rates are subject to change. The Prime Rate is quoted in The Wall Street Journal as of the 15th day of each month. The APR may change monthly ranging from Prime to Prime plus 0.50%, depending on credit, but will not be lower than 3.75% APR or exceed 18% APR. There is a $100 documentation fee and appraisal fee due at origination. All other closing costs are waived. The annual maintenance fee is $50. Insurance must be carried on property securing the loan. Consult your tax advisor regarding tax deductibility.

Home Equity Loan
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When it’s time to reinvest in your greatest investment, turn to First National Bank of Hutchinson. We’re now offering home equity loans at 4.302% APR2 with approved credit. Whether you want to tackle a home improvement project, finance a car or pay off a credit card, First National Bank of Hutchinson home equity loans are an efficient way to get things done. To start the application process, use the link provided to download an application. Contact or visit any of our locations (except Avenue A in Hutchinson) and one of our representatives will help you through the process.

2 Subject to credit approval. The Annual Percentage Rate is subject to change and will vary depending on loan term and fees. Disclosed APR assumes a $20,000 loan with a $100 documentation fee. For example, a $20,000 loan with a contract interest rate of 4.30% would require 60 monthly payments of $371.06, resulting in an APR of 4.302%. Insurance must be carried on property securing the loan. Consult your tax advisor regarding tax deductibility.

Checking/Savings Accounts
First Classic Checking
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  • Earns interest, compounded monthly, paid monthly – see our rate sheet for current interest rates*
  • No monthly service charge, as long as minimum monthly balance of $100,  otherwise fee of $5 per month
  • Unlimited checks/debits
  • Free Checks
  • Minimum opening deposit of $100 (no minimum thereafter)
  • Check images in monthly statement
  • Free Visa® debit card
    • Unlimited free debit card usage
  • Free ATM card
    • No ATM fees
  • Free funds transfer between accounts
  • Free Direct Deposit
  • Free Online Banking
  • Free Bill Pay (Including Mobile Version)
    • Free account-to-account transfers
    • Free person-to-person transfers
  • Overdraft protection available

 

* Interest-Bearing Accounts

Refer to current rate sheet for account’s current interest rate and annual percentage yield. No average collected daily balance is required to obtain the disclosed annual percentage yield. At our discretion, we may change the interest rate and annual percentage yield on this account at any time.

Interest is calculated with the daily balance method, and applies a daily periodic rate to the principal (collected balance) in the account each day.

Interest is compounded monthly and credited monthly to the account. If customer personally closes account before interest is credited, accrued interest will be paid. Interest begins accruing no later than the business day we receive credit for the deposit of non-cash items, such as checks.

First Free Checking
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  • No minimum monthly balance requirement
  • No monthly service fee
  • Unlimited checks/debits (fee for check orders)
  • Minimum opening deposit $25 (no minimum thereafter)
  • Free Visa® debit card
    • Unlimited free debit card usage
  • Free ATM card
  • Free funds transfer between accounts
  • Free Direct Deposit
  • Free Online Banking
  • Free Bill Pay (Including Mobile Version)
    • Free account-to-account transfers
    • Free person-to-person transfers
  • Overdraft Funds Transfer available
Regular Savings Account
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A Regular Savings Account is a great place to put money away and experience growth over time. These accounts are often used as an educational tool for children and youth to assist in teaching how to save and budget money.

  • Variable Interest Rate*
  • Minimum monthly balance of $100 or customers under the age of 18 will waive monthly service fee of $3
  • Minimum opening deposit of $100
  • $1 fee per withdrawal or debit after the first three per month
  • Unlimited transactions in person, or by mail, messenger or ATM
  • Six pre-authorized or telephone transfers per month. Check writing not permitted.

*Interest-Bearing Accounts

  • Refer to current rate sheet for account’s current interest rate and annual percentage yield. At our discretion, we may change the interest rate and annual percentage yield on this account at any time.
  • Interest is calculated with the daily balance method and applies a daily periodic rate to the principal (collected balance) in the account each day.
  • Interest is compounded and credited monthly to Money Market Accounts and quarterly to Regular Savings Accounts. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash.
Ultra Money Market
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Like money market mutual funds, the Ultra Money Market Account earns a higher rate of return. But unlike a mutual fund, there are no up-front fees to pay, and your money isn’t locked away out of reach.

  • Tiered Interest Rate*
  • Minimum monthly balance of $500 will waive monthly service fee of $5
  • Minimum opening deposit of $100
  • No monthly per-transaction fees
  • Unlimited transactions in person, or by mail, messenger or ATM
  • Six pre-authorized withdrawals, checks to third parties, or telephone transfers per month

*For our current rates, link to our Rates Page.

To open this type of account, visit any of our locations (except Avenue A).

12-Month Certificate of Deposit
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The First offers a variety of options for Certificates of Deposit (CDs). Interest rates vary depending on the length of maturity. The rate is guaranteed until the maturity of the investment or until renewal.  Refer to rate sheet for current information. You can apply online to open a 12-Month CD. All other types of CDs can be opened in any of our locations (except Avenue A).

Other Certificates of Deposit
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The First offers a variety of options for Certificates of Deposit (CDs). Interest rates vary depending on the length of maturity. The rate is guaranteed until the maturity of the investment or until renewal.  Refer to rate sheet for current information. Except for a 12-Month CD, all other types of CDs can be opened in any of our locations (except Avenue A).

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© First National Bank of Hutchinson   |  One N. Main Street, Hutchinson, KS 67501  |  620.663.1521  |  Fax 620.694.2317

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