Searching for a home can be stressful; finding a home is exciting, and financing that home should be smooth sailing. Thanks to FGB's mortgage experts, we can make this process easy for you.
Questions?
Call our Mortgage Lending Department at (985) 375-0335 or get in touch with an FGB Mortgage Lender.
- Purchase or refinance your dream home
- Competitive rates
- Customized terms
- Prompt decisions
- Friendly, local service
Want to know how much you can afford? Our financial calculators may help.
A home may be the smartest investment you’ll ever make. First Guaranty Bank wants that investment in a new home to work for you. With a Conventional Fixed Rate Loan from First Guaranty Bank you are guaranteed to keep your low interest rate for the life of your loan.
- The interest rate is fixed for the life of the loan
- Most often used by home buyers who expect long term ownership of the home
- Monthly principal and interest payments remain the same for the life of the loan
- No prepayment penalties for partial or full payment before the maturity date
To learn more about rates and requirements, get in touch with an FGB Mortgage Lender.
Our HERO checking account and HERO mortgage accounts are designed exclusively for community members who go above and beyond to serve.
The following community heroes and support staff are eligible for this program: Firefighters, Military, Veterans, EMTs, Healthcare Providers, Law Enforcement, Educational Professionals
For more information on rates and specific requirements, contact an FGB Mortgage Lender today!
If you are a prospective home buyer with a low-to-moderate income, the Federal Government has a number of programs in place to help you realize the American dream of home ownership. We guarantee to put you first by helping your dream become a reality.
- Designed by the Federal Government to increase home ownership
- Low or no down payment
- Competitive interest rates
Want to find out if you qualify for a Government Guaranteed Loan? Contact an FGB Mortgage Lender today.
FGB understands the needs and wants of our customers. This is why we strive to give you access to loans that fit your personal requirements. The Mortgage Lending Department at FGB can work with you today to accommodate your loan needs.
To learn more about current rates and specific loan requirements for an In House Mortgage, reach out to an FGB Mortgage Lender.
Tap into your home’s equity to fund the projects and milestones that matter most — with the flexibility you need. Whether you need to consolidate debt, plan a big vacation, renovate your house, or make another big purchase, a HELOC could be the type of mortgage loan you're looking for.
- Flexible access to fund
- Borrow between $10,000 and $250,000
- Competitive rates
Have a question about rates or qualifications? Contact an FGB Mortgage Lender today!
Ready to build your dream home? Use an Interim Construction Loan to finance residential construction projects and draw funds as needed to pay contractors and suppliers.
- Finance up to 90% of the cost to build plus the value of land with a licensed contractor
- Approve and lock in your rate for permanent financing rate for 12 months at the time of the construction loan application
- NO PMI on loans
- Interest only payments during the construction loan
- At closing, if the rate is lower, adjust your rate for a fee
- Benefit from quick, local decision-making and processing
If you're ready to start building, connect with an FGB Mortgage Lender today.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
FGB Interest Checking Account
| FGB Interest Checking Account1 | Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
| $5,000.00 | |||
| Balances less than $5,000.00 | 0.00% | 0.00% | |
| Balances $5,000.00 or more | 0.45% | 0.45% |
Fixed Rate CDs
| Term | Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
| 30 Day | 2.70% | 2.70% | $500.00 |
| 90 Day | 2.70% | 2.70% | $500.00 |
| 6 Month | 2.70% | 2.70% | $500.00 |
| 1 Year | 2.55% | 2.55% | $500.00 |
| 18 Month | 2.60% | 2.60% | $500.00 |
| 2 Year | 2.75% |
2.75% |
$500.00 |
| 3 Year | 2.75% | 2.75% | $500.00 |
| 4 Year | 2.85% | 2.85% | $500.00 |
| 5 Year | 2.95% | 2.95% | $500.00 |
| 6 Year | 2.95% | 2.95% | $500.00 |
| 7 Year | 2.95% | 2.95% | $500.00 |
| 8 Year | 2.95% | 2.95% | $500.00 |
Health Savings Account
|
Health Savings Account1 |
Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
| $100.00 | |||
| Balances less than $1,500 | 0.05% | 0.05% | |
| Balances $1,500 – $99,999 | 0.07% | 0.07% | |
| Balances $100,000 – $999,999 | 0.12% | 0.12% | |
| Balances greater than $1,000,000 | 0.30% | 0.30% |
Hero Checking Account
| Hero Checking Account1 | Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
| $25.00 | |||
| Balances less than $5,000.00 | 2.25% | 2.27% | |
| Balances $5,000.00 or more | 0.05% | Range from 2.27% to 0.05% |
Individual Retirement Accounts (IRAs)
| Term | Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
| 6 Month | 2.70% | 2.70% | $500.00 |
| 1 Year | 2.55% | 2.55% | $500.00 |
| 18 Month | 2.60% |
2.60% |
$500.00 |
| 2 Year | 2.75% | 2.75% | $500.00 |
| 3 Year | 2.75% | 2.75% | $500.00 |
| 4 Year | 2.85% | 2.85% | $500.00 |
| 5 Year | 2.95% | 2.95% | $500.00 |
| 6 Year | 2.95% | 2.95% | $500.00 |
| 7 Year | 2.95% | 2.95% | $500.00 |
| 8 Year | 2.95% | 2.95% | $500.00 |
|
|
Money Market Accounts
| Guaranty Money Market1 | Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
| (Personal or Business) | $1,500.00 | ||
| Balances less than $1,500 | 0.00% | 0.00% | |
| Balances $1,500 – $99,999 | 0.05% | 0.05% | |
| Balances $100,000 – $999,999 | 0.15% | 0.15% | |
| Balances greater than $1,000,000 | 0.35% | 0.35% |
Savings Accounts
| Account Type | Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
| Regular Savings1 | 0.05% | 0.05% | $100.00 |
| Christmas Club Savings1 | 0.05% | 0.05% | $5.00 |
| Business Savings1 | 0.05% | 0.05% | $100.00 |
Savings Elite
| Account Type | Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
|
|
$25,000.00 | ||
| Balances less than $25,000.00 | 0.05% | 0.05% | |
| Balances $25,000.00 or more | 2.50% | 2.53% |
Sole Prop./Non-Profit Now
| Business Accounts Sole Prop./Non-Profit Now1 |
Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
| $100.00 | |||
| Balances less than $1,500 | 0.05% | 0.05% | |
| Balances $1,500 – $99,999 | 0.07% | 0.07% | |
| Balances $100,000 – $999,999 | 0.12% | 0.12% | |
| Balances greater than $1,000,000 | 0.30% | 0.30% |