Text showing the word WARNING in bold orange letters on a black background.

CHAMPAIGN COUNTY'S COMMUNITY BANK

Banking built
on trust, since 1880.

Personal service with a hometown touch, modern services, and rates that work as hard as you do. Discover what it means to bank with neighbors who know your name.

View Rates Explore Loans

ESTABLISHED

1880

YEARS SERVING

145+

FDIC INSURED

$250,000

Text reading 'OUR STORY' in bold white letters over a blurred dark green background.

CD SPECIAL

12 Months - Special

3.41%

APY

3.35%

RATE

View Rates

Group of eleven women posing indoors with American flag and festive red, white, and blue attire.

Three squares stacked vertically labeled 'Most Impact,' 'Important,' and 'Nice to Have' with colored backgrounds.

FROM OUR COMMUNITY

Life at First Central.

Stay connected with everything happening with FCNB! From announcements, parades, and local events to fun videos and the everyday moments that make this place feel like home, there's always something to enjoy. Follow our Facebook page and join in on the fun!

Check out our Facebook

Leave us a Google Review

Two people smiling and holding a large check for $860 to Graham Athletic Fund at a gym.

Three women posing with heads through a Champaign Co. Fair cutout of a farmer and two calves.

Six people smiling inside a vehicle, all wearing red seatbelts, with communication headsets visible.

Locally owned & operated

Decisions made locally

Loans kept & serviced here

Banking on a first-name basis

WHAT WE OFFER

Personal banking, thoughtfully crafted.

From your first checking account to financing your dream home, we build relationships that last across generations. Every product backed by real people, here in your community.

Checking

Checking Accounts

A full line of checking accounts tailored to fit how you actually live. Personal, business, NOW, and specialized accounts — all built around you.

Savings

Savings & CDs

From a $50 starter savings account to certificates of deposit and IRAs, we put your money to work — at rates worth talking about.

Mortgages

Home Mortgages

The American dream, made simple. Our hometown service makes it straightforward to get approved — and we keep and service every loan.

Auto & Recreation

Auto, RV & Boat Loans

Make that next big idea real. Competitive rates, personal service, and flexible terms for cars, motorcycles, campers, and watercraft.

Agricultural

Farm Loans

Flexible financing for farmland, equipment, improvements, and everyday agricultural needs—with local support and terms that fit your operation.

Digital

Online & Mobile Banking

Manage your money from anywhere. Online banking, bill pay, and our mobile app — built for the small moments and the big ones.

OUR CUSTOMERS

Stories from our customers.

Four people standing in front of a red fire truck on a sunny day in an urban area.

“We are incredibly grateful to our local bank for believing in our mission and investing in the safety of our community. Their support made it possible for us to purchase our first new fire engine in 26 years. Partnerships like this strengthen the communities we all call home. Together, we’re building a safer future with First Central National Bank.”

Fire Chief McCulla

JSP Fire Department

READY WHEN YOU ARE

Start your next
chapter.

Open an account, apply for a loan, or simply stop by and say hello! Our hometown bankers are ready to help you find the right product for your needs!

Banking built on trust, since 1880.