Skip to main content
_FB_2018-Icons-finalized-cleaned-up_new_FB_2018-Icons-finalized-cleaned-up_newGroup 9
Back
Scroll to top

Best Personal Loans in Albemarle, NC

Personal Finances 2 min read

Ready to talk to an expert?

Are you in the market for an engagement ring and looking for a place to get the best personal loan? If so, you may need to take out a personal loan to finance it. While most major jewelry stores have financing programs, personal loans can typically offer a better option.

Personal Loan Options with First Bank

Albemarle, NC, has two First Bank locations with a variety of personal loan options. Here are some of the flexible options that First Bank offers:

  • Our lump sum personal loans provide instant borrowing power simply by writing a check to yourself and then repaying the money under our competitive rates.
  • A First Bank Platinum credit card is the perfect way to pay for an engagement ring today while taking advantage of no annual fees, a rewards program for eligible cards, and zero liability on unauthorized purchases.*
  • Own equity in a home? Use a First Bank home equity line of credit to secure a loan using the equity in your home.

Albemarle, NC, has First Bank locations on Highway 52 North and East Main Street to provide our customers with the best personal loan options. Visit your nearest First Bank to speak to a loan specialist today.


*Loans subject to credit approval. See our Terms and Conditions for complete details on our One Rewards Program. MasterCard, Debit MasterCard and the MasterCard brand marks are trademarks of MasterCard International Incorporated.

Ready to talk to an expert?

Share:
First Bank’s Good To Know Logo
Sign up for our newsletter and be the first to know about new tips, insights, and products from First Bank.
First Bank may use this email address to contact you about products, services, and promotions.

You may be interested in...

Save Money with This Refinance Calculator for Home Mortgages When mortgage interest rates are low, homeowners should compare their current mortgage terms with the option of refinancing. By locking in the right rate, homeowners can take advantage of significant savings. Curious to see how much you could save with current rates? Use our refinance calculator for home mortgages to see how you can take advantage of major financial perks. Why Refinance Home Mortgages? Home mortgages are contracts. When the contract is signed, the interest rate selected by the homeowners is locked in until the terms of the contract have been satisfied or revised. The interest rates for home loans fluctuate daily. If interest rates are steadily dropping, homeowners can refinance to save money and improve their financial standing.   Benefits of Home Loan Refinancing Refinancing is a readjustment of your mortgage loan to benefit your finances in the following ways: Lower monthly payments Build home equity faster Improve credit Change to adjustable or fixed-rate plans When homeowners choose to refinance, they can generally expect to pay off their loan faster. 30-year mortgages can be refinanced to 12 or 10-year loans. Although it may sometimes increase the anticipated monthly payment, you can cash in on equity or sell for an increased value. When Is a Good Time to Refinance? When considering refinancing home mortgages, many homeowners weigh the closing costs with the savings achieved over time. It’s also important to think about the length of time you will live at the property. What to Do Next If You Want to Refinance After you’ve reviewed your savings on our refinance calculator for home mortgages, you may be interested in taking the next steps towards refinancing. Before making an appointment with your First Bank loan officer, make sure you have the following information updated: Current mortgage type Payment history Current credit report Outstanding debt Evidence of home renovations Evidence of home improvements/repairs Your loan officer will use this information to determine what kind of refinancing you may qualify for. There are plenty of options, and we can guide you in selecting the best package for your personal goals. Contact us today to apply for mortgage refinancing. *Loans are subject to credit approval ——— Sources: http://www.mortgagecalculator.org/helpful-advice/top-reasons-to-refinance.php http://www.mortgagecalculator.org/helpful-advice/top-reasons-to-refinance.php 2 min read
Best Personal Checking Account Near Me If you’re looking to open a checking account near you, visit your local First Bank today. Whether you want a basic checking account or a premium checking account with benefits, First Bank has a variety of options for you to choose from. First Bank’s checking accounts come with features like free online and mobile banking*, and mobile check deposit*. Visit our Account Comparison chart to figure out which account fits your financial needs best. Checking Accounts at First Bank Learn more about the different checking account options offered at First Bank: Everywhere Checking—our basic checking account with free online banking Everywhere Plus—this account includes all the benefits of Everywhere Checking plus you earn interest on your balances Everywhere Premium—this account includes all the benefits of Everywhere Plus in addition to complimentary services Campus Checking—our checking account for students is fee-free and offers free online banking Senior Checking—for seniors 55 years or older, this account is fee-free with a minimum monthly deposit and free online banking Switching To First Bank Switching banks can be a hassle, but with First Bank, it doesn’t have to be. All you have to do is stop by a branch near you and sign up for an account. We’ll guide you through switching your account step by step. All you need is: Your new First Bank account information. Your previous account information. List of any automated debits (ACH) and/or direct deposits. If you’ve recently moved to North Carolina or South Carolina, you won’t have to worry about where to find the best bank for a checking account near you anymore. Visit Your Local First Bank Today For the best checking account near you, visit your local First Bank today. For more information, visit us online. *While First Bank does not charge for mobile banking, your mobile carrier’s message and data rates may apply. 2 min read
Financial Institution: Definition and What to Look For The definition of a financial institution typically describes an establishment that completes and facilitates monetary transactions, such as loans, mortgages, and deposits. Financial institutions are a place where consumers can effectively manage earnings and develop financial footing. Consumers can make an informed choice when choosing a bank to keep their money by knowing the core features of financial institutions. What to Look for in a Financial Institution Financial institutions facilitate some of life’s biggest events. When choosing a place to keep your money, it is important to make sure the bank meets certain criteria. Here are some key features to look for when you select a bank: Online Banking — The convenience of being able to access your bank accounts from anywhere isn’t something you should overlook. Look for a bank that offers online banking, as well as mobile banking and tablet banking. High Yield Accounts — High yield checking and savings accounts are a great way to get more for your money. If earning interest is important to you, choose a bank that offers high yield options and competitive rates. Accessible ATMs — When you’re on the go you need to have access to cash as you need it. That is why choosing a bank with accessible ATMs and reasonable ATM fees is important. Great Customer Service — When you have a question about your account, you want to speak with a bank representative that is friendly and helpful. A great bank will have friendly representatives ready to help you in any way possible. Reasonable Fees — Some banks charge multiple fees — such as ATM fees, withdrawal fees, and monthly maintenance fees — just for using their services. Check to see if the fees your bank charges sound reasonable, or if they provide ways to avoid fees altogether. FDIC Insurance — You work hard to earn your money, so you want to make sure it is safe at the bank you choose. Look for banks that are members of the Federal Deposit Insurance Corporation (FDIC). The FDIC will insure the money in your deposit accounts up to a certain amount. These Features and More From First Bank* First Bank strives to provide you with these key features and 3 min read
Savings Account Interest Rates in North Carolina Whether you’re saving for retirement or starting a college fund, having the right savings account can help you reach your financial goals. With some of the most competitive savings account interest rates in North Carolina, First Bank offers a variety of options to meet your financial needs. Types of Savings Accounts at First Bank When you’re comparing interest rates, it’s important to understand which accounts offer the best rates. At First Bank, we offer six different savings accounts with varying interest rates: Everywhere Savings—For simple savings at a competitive interest rate, this account offers free online and mobile banking, account alerts, and free eStatements. MyFirst Savings—If you’re under 18 and ready to start saving, consider opening a MyFirst Savings account. You only need a $10 deposit to open the account and don’t have to worry about a minimum balance or maintenance fees. Money Market—With higher interest rates and instant access, our money market account allows you to have six free withdrawals per month, free online and mobile banking, free eStatements, and more. CDs—If you don’t need immediate access to funds, this option provides flexible rates and guaranteed rates of return. CDs typically offer higher interest rates than savings and money market accounts, making them a great investment option. IRAs—At First Bank, we offer a variety of IRA options for your long-term retirement plans including traditional, Roth, and SEP IRAs. Talk to one of our banking experts about the different rates you’ll receive if you choose to open up an IRA. Health Savings Accounts (HSA)—For a great way to save on current and future medical expenses, consider opening a health savings account. This account allows you to manage health care spending and earn tax-advantaged savings. Use our Account Comparison Chart to decide which savings account is best for you. Get Competitive Interest Rates at First Bank Interest rates will vary depending on which savings account you choose. Regardless of the type of savings account you open, we want to make sure you’re getting a good rate. Consult with one of our banking experts at your nearest First Bank to compare interest rates. Open a Savings Account Today Visit one of our North Carolina branches and talk to a financial expert about getting 3 min read