Personal Banking » Loans Personal & Consumer Loans Auto Loans Personal Loans (for example, debt consolidation, recreational vehicle, unexpected expenses, etc.) Reserve Checking (line of credit) Credit Cards (choose from VISA® or MasterCard®) Student loans Home Loans Adjustable Rate Mortgages (ARM) Fixed Rate Mortgages Come Home to Franklin County® (contact us if you are moving back to Franklin County) Bridge Loans (to bridge the time between purchase and sale) Home Equity and Home Equity Line of Credit Loan (home improvements, car, vacation, school tuition, debt consolidation, etc.) Escrow Service (for payment of real estate taxes and hazard insurance. NOTE: Some loans require that an escrow account be established.) First Time Home Buyer Programs Local Realtors Abbott Realty Krukow Real Estate Staley Real Estate Castle Dick & Kelch Jaspersen Insurance and Real Estate, Ltd. Wearda Farm Management Important information about procedures for opening a new account To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What that means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.