Borrow Better

Whether you’re buying a home or a car, making home improvements or just consolidating personal debts, we've got you covered. We offer fast and easy loans for your long- or short-term personal and family needs.

Types of Consumer Loans

  • Mortgages

    Our lending experts will help you cut through the headaches and hassles of securing a mortgage. We offer fixed and variable interest rate mortgages, first-time homebuyer mortgages and special program mortgages to meet your needs. Learn more about what kind of mortgage is right for you.

  • Home Equity Loans and FlexLOC® Line of Credit (HELOC)

    If you need to borrow against your home, we’re ready to help. Home Equities offer tax advantages because interest paid is generally tax-deductible, but we recommend you check with your tax advisor to be sure.

    We offer competitive variable rate Home Equity Lines of Credit with fixed rate lock in options, available in amounts from $10,000 to $400,000 on single-family residences, owner-occupied 1-to-4 family properties and condominiums. 

    Apply Today


  • Personal Lines of Credit (PLC)

    With a Personal Line of Credit, you may never have to apply for a small loan again. Any time you need money, just write yourself a loan by using your Personal Line of Credit checks. We offer a wide variety of lines of credit, including both secured or unsecured personal lines of credit, unsecured executive lines of credit for higher income individuals, and an unsecured credit establishment line of credit for individuals that need help building or starting their credit history. Click Here to start your online application.

  • Consumer Credit Cards

    Choosing the right card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

    No matter which card you choose, you'll enjoy important features like:

    • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
    • Mobile purchasing capability for added convenience.
    • Zero Fraud Liability.* You won't be liable for fraudulent purchases when your card is lost or stolen.
    • Cardmember Service available 24 hours a day/365 days per year.
    • Plus much more!

    Learn More and Apply Now

    *Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain limitations and conditions may apply.
    The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses of VISA U.S.A Inc. and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

  • Auto Loans

    Found the car or truck of your dreams? We make automobile loans fast and easy, with the convenience of direct financing with a fixed rate for up to six years. Click Here to start your online application.

All F&M Trust consumer loans are subject to credit approval.

 Helpful Loan Calculators

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Mortgage Apply Now

Applying for a Mortgage or Home Equity Line of Credit is fast, easy and secure.


We’ve got the perfect checking account to match your style.

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Whether you’re saving for a vacation or an emergency, we’re ready to help.

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Bank your way with our financial services and resources.

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We have many options to make banking more convenient and accessible.

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