Personal Banking Services

Since 1899, First Columbia Bank & Trust has been with you and your neighbors every step of the way. From first savings accounts to first homes, retirement investments, and everything in between, we're committed to your personal financial journey. 


Checking Accounts

Whether it's money saving discounts and personal protection benefits, convenience, or earning interest that’s important to you, we have a checking account designed to fit your financial goals.

Savings Accounts

Our team of bankers are here to guide you to do more with your money and plan for tomorrow. For every stage of life, we have a plan for you.

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Money Market

Earn competitive interest while minimizing risk. This gives you the freedom to earn more while you focus on what’s important to you.

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Certificate of Deposits (CDs)

When you are looking to earn interest on your short and intermediate term savings, a Certificate of Deposit may be the investment vehicle for you. 

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Individual Retirement Account (IRA)

You’ve worked hard for your money. Let our bankers guide you to an Individual Retirement Account that aligns with your current financial situation and retirement planning goals.   

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Home Loan

First Columbia Bank offers competitive rates and a range of mortgage programs, including low and no down payment options. Our locally-based mortgage specialists are here to guide you and find you the financing solution that best fits your life.

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Personal Loan

Life comes with big expenses – both expected and unexpected. We’re here to help you get the cash you need to consolidate credit card debt, pay college tuition, or finally take that dream vacation.

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Auto Loan

A new or new-to-you vehicle doesn’t have to be difficult to get. We have competitive rates for both new and used vehicles to get you on the road.

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Line of Credit

Don’t let unexpected expenses derail your life. Access to a personal line of credit when you need it can help with those unforeseen bills, debt consolidation, or as overdraft protection.

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Trust & Estate Planning

First Columbia Bank's Trust Department are trusted and experienced advisors who can guide you and your family through crucial planning decisions, such as who will handle your final affairs, who will manage your Trust, and more. 

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We Bring Home Ownership to More People in Our Area

Let’s see what we can do for you!

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