Business Line of Credit

Use a line of credit to cover short term cash flow needs until accounts receivables are paid,
or to cover seasonal working capital needs.

  • Revolving and reusable line of credit
  • Competitve interest rates
  • Easy access when you need funds

Term Loans

Use a term loan to purchase equipment, machinery, vehicles, or leasehold improvements for your business.

  • Fixed length term
  • Competitve interest rates
  • Consolidate existing Business Term Loans
  • Finance business growth

Commercial Real Estate Loans

Use a real estate loan for purchase of a new commercial property, or to refinance your existing real estate loan.
We offer competitive financing for commercial real estate including
combination business/residential properties.

  • Fixed length term
  • Competitve interest rates
  • Consolidate existing Business Real Estate Loans
  • Finance business growth

Investment Property Financing

Use a non-owner occupied real estate loan to finance the purchase of investment or income property.

  • Fixed length term
  • Competitve interest rates
  • Use income from property to repay loan

Member Business Share Savings

Establish your business membership with as little as a $5 Share Savings Account.

  • Night drop facility available for next business day processing of deposits
  • Purchase money orders and cashiers checks at any branch
  • Wire transfer services available
  • Payroll deductions available

Member Business Checking Accounts

We offer Free checking with no minimum balance and no monthly maintenance fees.

  • 250 Free check deposits per month
  • 250 Free checks paid per month
  • Per-item charge of only $.20 for each transaction after you have reached the monthly transaction limit
  • Free Visa Debit Cards
  • Overdraft Protection available

Business Money Market Accounts

Maintain the liquidity of your funds and earn more on high balances with our Business Money Market account.

  • Higher yield of a certificate with the convenience of a savings account
  • Tiered rate based on your balance
  • Immediate access to your funds - 6 pre-authorized, electronic withdrawals and/or check transactions per month
  • Dividends compounded monthly
  • No minimum to open
  • $2,500 minimum balance must be maintained to earn dividends
  • Free online access with First OnLine
  • Free online check images

Business Premium Money Market Accounts

Maintain the liquidity of your funds and earn more on higher balances with our Business Premium Money Market account.

  • Higher yield of a certificate with the convenience of a savings account
  • Tiered rate based on your balance
  • Immediate access to your funds -  6 pre-authorized, electronic withdrawals and/or check transactions per month
  • Dividends compounded monthly
  • No minimum to open
  • $75,000 minimum balance must be maintained to earn dividends
  • Free online access with First OnLine
  • Free online check images

Business Share Certificate Accounts

Lock-in a fixed interest rate for a specified period of time and earn the highest rate of return on your investments.

  • Earn a high dividend rate with as little as $500 minimum deposit
  • Flexible terms available from 3 months to 5 years
  • Penalty may be imposed for early withdrawal

For more information on Business Services, please contact William Chow, Assistant Vice President of Commercial Lending at (518) 393-1326 ext. 1008.