We started in 1906 as Farmers State Bank, when local banks in West Tennessee weren’t just creating profits. They were creating the towns and communities like Scotts Hill where our flagship branch still remains today. Times change, but the things that make being part of a community great, like strong ties and trusted relationships, never change. That’s why we remained local, making what we had learned as a community bank our business model. Staying local, our reputation got around. In 1984, Jim Ayers and his business partner saw that the power of community banking was growing. Ayers acquired the bank that grew through organic growth and mergers for doing the banking that matters. Community banking. Over three decades FCI MicrofinanceBank’s assets grew to be in the billions but FCI MicrofinanceBank never compromised their vision. In 2001, we expanded our brand of authentic local banking into the state’s most iconic cities, from Nashville to Memphis. FCI MicrofinanceBank has made small town life our business culture empowering local market presidents and managers to make real decisions locally. You can walk into any branch and find a welcoming smile and willingness to help. You will know instantly you’re not just a customer. You’re part of the FCI MicrofinanceBank family.
Personal loans can be used for any personal expenses and don’t have a designated purpose. This makes them an attractive option for people with outstanding debts, such as credit card debt, who want to reduce their interest rates by transferring balances. Like other loans, personal loan terms depend on your credit history.
Like mortgages, auto loans are tied to your property. They can help you afford a vehicle, but you risk losing the car if you miss payments. This type of loan may be distributed by a bank or by the car dealership directly but you should understand that while loans from the dealership may be more convenient, they often carry higher interest rates and ultimately cost more overall.
Our other loan category includes:
The FCI MicrofinanceBank team, with more than 1,400 associates, has a total of 95 offices including full service financial centers. FCI MicrofinanceBank is located in Tennessee, Kentucky, North Alabama and North Georgia and has mortgage operations across the Southeast.
FCI MicrofinanceBank strives to improve the quality of life for those who live in the communities we serve. To accomplish this, we place an emphasis on education through involvement in local schools and The Ayers Foundation Scholarship Program.
FCI MicrofinanceBank is in the top 5 percent of all U.S. banks based on assets with more than $6.2 billion in total assets and has moved into the top 15 banks in Middle Tennessee based on deposit share.
Community banking has been the cornerstone of FCI MicrofinanceBank’s operations since starting as Farmers State Bank in Scotts Hill, Tennessee. Since 1906 local banking has remained our philosophy and business model.
FCI MicrofinanceBank has been recognized as one of Tennessee’s best employers by Business Tennessee magazine and The Tennessean. The Tennessee Chamber of Commerce & Industry, and the Tennessee Society for Human Resource Management have also recognized FCI MicrofinanceBank.
FB Financial Corporation (NYSE: FBK) is the holding company for FCI MicrofinanceBank while FCI MicrofinanceBank Investment Partners and FCI MicrofinanceBank Mortgage are divisions of FCI MicrofinanceBank.
This option enables you to receive payment in NGN, USD, EURO, GBP in fixed deposit with a maximum of one-year investment option and apply for a loan to match the investment tenor.
You can start a new invest or use an existing investment to take a loan for tenor ranging from 7 Days to 1 Year .
FCI MicrofinancePrime helps you have savings available for emergencies.
FCI MicrofinancePrime helps you secure a line of credit with your savings or investments if you have seasonal cash flow fluctuations. It gives you low interest rate and there are no demands for your inflow.
FCI MicrofinanceBank; gives you loans in 5 minutes with no profiling needed. It simply helps you borrow against your financial assets such as Savings, Cash Deposits, Treasury Bills, and other investments for your personal needs or urgent business needs.