First Community Bank of Bedford County is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2009, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.

Loans & Mortgages

Want to turn the value of your home into something else you value? Need financing for a car, boat or recreational vehicle? Whether you need cash for a new purchase, new expenses or new home improvements, we can help you choose the right plan to get started. We offer a range of financing options and fast, personalized service to simplify the process.

Auto Loans

Whether it's a new or a previously owned car, we have options to get you on the road.

Home Equity/Home Improvement

Put in that kitchen you've been dreaming about. Plan that much-deserved vacation. Plan for college tuition or consolidate debt. With a home equity loan or line, we can help with flexible terms and competitive rates to fit your budget.

Manufactured Home Loans

You're looking for a truly affordable home but don't want to spend money on purchasing and maintaining the land. If it's a manufactured home you want to buy, we have the loan you need. With a First Community Bank loan, you'll be in your new home before you know it.

Mortgages

Buying a home can be very exciting but it can also be a little overwhelming. We're here to make the process as simple and streamlined as possible. And we offer a full range of competitive financing solutions so you can find one that best fits your needs. Best of all, you'll benefit from a single point of contact at First Community Bank. You'll work with the same team from your initial meeting through the servicing of your loan. Since you'll be working with us from start to finish, you'll get the same high caliber of service you have come to expect from us.

Recreational Vehicle Loans

More than just motor homes, recreational vehicle loans are for anyone financing a new or used motor home, fifth wheel, travel trailer, camper, or folding trailer. Get started today for tomorrow's adventure.

Student Loans

A college education is the first step to a successful future. First Community Bank would like to help you get there. We offer a range of financing options, whether you are an undergraduate or graduate student, or a parent funding your child's undergrad degree.

Other loans available:

• Boat loans
• Camper, snowmobile, personal watercraft, motorcycle, and ATV loans
• Airplane loans
• Personal unsecured loan or line of credit

Take your business to the next level.

As your business grows, your needs change. And access to credit becomes more critical to successful growth. First Community Bank offers numerous options that are simple and flexible. Whether you need short-term working capital or a long-term business loan, we have the right lending alternatives.

Agribusiness

First Community Bank's commitment to agribusiness has steadily grown to make us a leading bank lender to the industry in our community. FCB is staffed by industry experts who understand the natural cycles and special financing needs of agricultural commodities.

Business Credit Cards

Need organized expenses and controlled spending? How about electronic transaction information at your fingertips? From the most basic needs to the most sophisticated, First Community Bank has your business debit and credit card solutions.

Commercial

Whether financing the expansion of your business or seeking additional working capital, our portfolio of commercial products offers a broad range of short- to long-term solutions. First Community Bank has the financial strength, capacity and expertise to accommodate all of your financing needs along with our financing capabilities including industry-specialized services, such as agricultural and real estate lending that results in long-term client relationships in which we take particular pride.

SBA Loans

First Community Bank will help you open the doors of your small business or take the one you have to the next level.

Small Business Loans and Lines of Credit

Looking to expand your business or just need more working capital? First Community Bank's loans and lines of credit provide small to medium-sized businesses with fast, flexible credit solutions and a host of options.