Happy National Financial Literacy Month!

April, like any month of the year, is the perfect time to take a look at your spending habits and build better behaviors to hit your long-term savings goals. But what makes this month especially ideal is that it’s National Financial Literacy Month!

Below, find a handful of quick and easy-to-do tips to get on the right financial track.

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Find the Best Small Business Loan Rates Near Me at First Bank Searching for some of the best rates and the most flexible terms for your small business doesn’t have to take forever. At First Bank, we believe you should spend more time focusing on ways to expand your small business and less time worrying about financing it. Stop searching for “small business loan rates near me,” and start considering First Bank—where we are dedicated to meeting the financial needs of small business owners. At First Bank, we’re small enough to provide personalized service that you’d expect from your local bank and large enough to offer all the options you need to manage your finances. With more than 100 locations in North Carolina and South Carolina, it easy to find some of the best small business loan rates near you. Small Business Loan Options at First Bank First Bank’s loan options provide you with the financing you need in order to be successful in today’s competitive business world. Services we offer include: Business Loans – Infuse your small business with an immediate lump-sum of cash. Expand your business, finance new equipment, or refinance debt quickly and easily. Lines of Credit – Access cash quickly and conveniently so you can take advantage of business opportunities without having to wait. Commercial Mortgages – Take advantage of our commercial real-estate specialists and get help structuring a loan that meets your needs. Construction Loans – Build, expand, or remodel your business with a construction loan approved by our specialized financing team. Business Credit Card With Rewards – Make purchases for your business when you need to with our Mastercard Business Card with Rewards. SBA Loans – One of our SBA loan specialists can structure a loan for your small business when traditional bank financing isn’t the right fit. Our small business banking options don’t end there. We offer checking and savings accounts, debit cards, merchant and treasury services, and much more. Contact or visit a First Bank location to find out about our all of our business banking options, and learn more about small business loan rates near you. Loans subject to credit approval. 2 min read

Where to Get 15-Year Mortgage Rates If you’re ready to buy a home, you’re probably wondering where to get 15-year mortgage rates, or you may just be wondering what a mortgage is. First Bank will go over your options with you and help you determine what type of home loan is best, whether that be a 15-year mortgage, or a 3/3 adjustable rate mortgage. Types of Loans at First Bank Before we tell you how and where to get 15-year mortgage rates, we’ll go over some of First Bank’s mortgage options. We offer: Conventional loans Jumbo loans Government loans VA loans Construction loans Dream It, Own It If you are a first time home buyer, you’re probably looking for a conventional loan. We offer two types of conventional loans: fixed-rate and adjustable-rate. Adjustable-Rate Mortgages vs. Fixed-Rate Mortgages Conventional adjustable-rate mortgages (ARMs) have interest rates that will change periodically depending on shifts in a corresponding financial index that’s associated with the loan. This basically means that your rate will change, causing your monthly payment to increase or decrease. ARMs can be beneficial for some home buyers because they typically have lower initial interest rates than fixed-mortgages, and they provide homeowners flexibility. Conventional fixed-rate mortgages offer a more straightforward approach to home buying. With a fixed-rate mortgage, your monthly interest rate never changes, making it easier for you to set a monthly budget. A lot of people prefer fixed-rate mortgages because they offer protection from rising interest rates for the life of the loan. Secure a Mortgage with First Bank We hope you feel a little more prepared to take on a mortgage and buy the house of your dreams. If you’re ready to apply for a mortgage loan*, visit your local First Bank, or contact our mortgage loan experts. *Loans subject to credit approval. ———— Sources: Investopedia: http://www.investopedia.com/terms/a/arm.asp 2 min read

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5 Tips for Leveraging Customer Feedback It’s been said that we have 2 ears and 1 mouth for a reason: we should listen twice as much as we talk. Here are 5 tips to make sure you’re listening to your customers (and not just talking at them). 3 min read

Equifax Breach: FAQs and Resources A collection of helpful tips and FAQs in the wake of the Equifax breach. 3 min read

Happy National Financial Literacy Month!

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