Home Mortgage Loans

We’ll walk you through the mortgage process step-by-step — right up to your new front door

  • Competitive rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • Flexible terms customized to your unique situation
  • A wide range of financing programs available Conventional mortgages, Adjustable rate mortgages (ARMs),USDA Rural Housing Loans, FHA Loans, VA Loans, First-time homebuyer specials
  • Helpful loan advisors with working knowledge of the local real estate market
  • Pre-approval available for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Fast Decision-making and processing from local bankers you can trust
Home Equity Loans

Timely mortgage payments are about to pay off. Cover major expenses with help from your own home.

  • Convert the Equity in your Home into Cash you can use
  • Competitive Rates for Several Ongoing or Seasonal needs: Education Expenses and Major Life Events and Major Home Improvements and Debt Consolidation and Emergency Reserve and much more
  • The Existing Equity in your Home is used as Collateral
  • Accommodating Repayment Terms that work Uniquely for You
  • The Interest Paid is Tax Deductible
  • Quick, Local Decision-Making and Processing
Home Improvement Loans

Fall in love with your home all over again with financing to help you renovate, expand, and upgrade.

  • Competitive rates for major home improvement projects
  • Add more value to your home through renovations and upgrades
  • Flexible terms customized to your unique needs
  • Fast Decision-making and processing from local bankers you can trust
Auto Loans

When you’re in the market for a new vehicle, turn to financing from folks based in the place you call home.

  • Competitive fixed and variable rates on new or used vehicles
  • Flexible terms customized to your unique situation
  • Pre-approval available to give you the advantage in dealership negotiations
  • Refinance your current vehicle to potentially lower your rate
  • Fast Decision-making and processing from local bankers you can trust
Mobile Home Loans

A home isn’t the land it stands on — it’s the memories made inside. Finance your mobile home with help from your local bank.

  • Competitive rates for new or used mobile homes with land
  • Flexible terms customized to your unique needs
  • Fast Decision-making and processing from local bankers you can trust
Personal Term Loans

Your dreams are our priority. Make life better with a personal term loan tailored to your needs.

  • Competitive rates for a wide variety of personal needs: Vehicle repairs or updates and Family vacation and Debt consolidation and more
  • Unsecured loans available; obtain financing with little more than your signature
  • Flexible terms customized to fit your unique needs
  • Fast Decision-making and processing from local bankers you can trust
Construction Lines Of Credit

Great option for your home construction project. Provides more convenience, especially toward the end of the construction phase and the beginning of permanent mortgage.

  • Pay off interest quicker; payments are interest-only during construction phase
  • Payments are made on the amount drawn on your loan sufficient to pay your builder
  • Construction draws applied in stages based on work completed
  • Fast decision-making and processing
Credit Cards

First Port City Bank has Credit Card options that offer you convenience, security and rewards.

  • Contactless Payments
  • uChoose Rewards
  • Mobile Card Management
  • Mastercard® Liability Protection and More
Recreational Vehicle Loans

Whether you're looking to finance a motorhome, travel trailer, boat, or other recreational vehicle, we offer competitive rates and flexible terms to suit your needs

  • Motorcycles
  • Boats
  • Campers
  • ATVs
  • And more
4.00% APY Checking

Checking Accounts

1.oo% APY Savings

Savings Accounts

Need A Business Loan?

Personal Loan Lenders

Our team of experts is dedicated to finding the right solution for you, providing the capital you need to fuel your growth and reach new heights.

Carol Cason

Senior Vice President

Fernandina Beach Florida Branch Manager


NMLS #417354


Mark Sobolewski

Senior Vice President

Florida Commercial Lending Manager 



Antoinette Ferry

Vice President

SBA / Commercial Loan Officer


NMLS #688432

Kyle Staples

Vice President

Commercial Loan Officer


NMLS #1803597

Dave Fain

Vice President

Commercial Loan Officer


NMLS # 805047

Boone Kennedy

Assistant Vice President



NMLS # 1882057

Chandler Ray

Assistant Vice President



NMLS #1252751

Wanda Thomas

Vice President

Loan Officer


NMLS # 413255

Sonya Robbins

Assistant Vice President

Yulee Florida Branch Manager


NMLS # 2124450

What the Community is Saying

We Didn’t Know What We Needed For Financing. The Bank Staff Are So Kind And Genuine…We Were Blown Away With That And Did Not Expect That… It Made Sense for Us To Partner With A Bank That Focuses on Relationships with People And Helping People Out…”

“We had the advantage of having one-on-one personal contact with First Port City Bank when working on our SBA Loan and when we called them, we didn’t get an automated teller or call center. There is always a genuine person on the other side of the line.”

“First Port City Bank Walked Us Through The Loan Process, They Offered What Other Banks Wouldn’t And They Treated Us More Like Family…”

Personal Credit Cards

What’s better than instant credit at your fingertips? The unmatched service of your own community bank.

  • Make purchases anywhere Mastercard® is accepted
  • Competitive rates and local service
  • Choose from several card options: Platinum Payback Card and Platinum Preferred Card and World Card and World Elite Card
  • Earn cash back, rewards points, or other benefits
  • Easy online application process

Personal Checking Accounts

A checking account should make your life easier. We believe in giving you the options to bank the way you want, when you want.


All loans are subject to credit approval. All rates are based on an evaluation of the individual credit history. Terms are subject to conditions and verification restrictions may apply. All First Port City Bank programs, rates, terms and conditions are subject to change at any time without prior notice.

All new accounts are subject to approval.