Personal Loans From A Local Bank That Cares

Need a loan & need it fast?

Get a personal loan quickly for your new car, boat, ATV, motor home, home remodel, vacation or wedding from First National Bank of River Falls. You’ll work with our local lenders from start to finish and experience the personal care that only FNBRF can deliver.

HELOC - Home Equity Line of Credit

Expect the unexpected. For flexible access to your money when you need it, a Home Equity Line of Credit is a great way to pay for a new car, vacation, wedding, or home improvements.

  • Choose between a variable or fixed rate loan
  • Choose your payback method, interest only or 2% of your outstanding balance

Fixed Home Equity Mortgage

Perfect if you are looking to use the equity in your home for a one time purchase.

  • You like the idea of a longer amortized fixed rate product
  • You know your rate, payment and term – no surprises

Both our HELOC and Fixed Home Equity Mortgages may be tax deductible, check with your tax advisor. Closing costs, fees and loan to value requirements apply.

Apply Local. Borrow Local. Decisions made Local.

Meet Our Consumer Lenders

If you are interested in additional information or are looking to start building credit, we'd be happy to help you. Please contact one of our Consumer Lenders.

Susie Swenson

Vice President - Consumer Loan Officer


River Falls Office
715.426.3194
NMLS# 663477
Contact Susie
Susie Swenson

Vice President - Consumer Loan Officer

Phone: 715.426.3194
Office: River Falls Office
Email: Susie Swenson
NMLS#: 663477

Chad Steger

Commercial & Consumer Loan Officer


Prescott Office
715.262.8353
NMLS# 1396916
Contact Chad
Chad Steger

Commercial & Consumer Loan Officer

Phone: 715.262.8353
Office: Prescott Office
Email: Chad Steger
NMLS#: 1396916

Rebecca Helgeson

Relationship Banker & Consumer Lender


River Falls Office
715.426.3103
NMLS# 1872213
Contact Rebecca
Rebecca Helgeson

Relationship Banker & Consumer Lender

Phone: 715.426.3103
Office: River Falls Office
Email: Rebecca Helgeson
NMLS#: 1872213
View Bio

Gale Reams

Relationship Banker & Consumer Lender


Prescott Office
715.262.8352
NMLS# 663483
Contact Gale
Gale Reams

Relationship Banker & Consumer Lender

Phone: 715.262.8352
Office: Prescott Office
Email: Gale Reams
NMLS#: 663483

Graduating high school from River Falls, Gale has over 26 years of experience in the banking industry, nearly 12 of which have been at FNBRF. She has two grown children who are married and feels blessed to have six fantastic grandchildren. Her involvement in the community is wide ranging, with several years committed to organizations including Friends of Freedom Park, 4-H, the Prescott Chamber of Commerce and the Pierce County Housing Committee. In recently becoming certified as a Master Gardener volunteer with the St. Croix Valley Master Gardeners, Gale has grown her love of gardening flowers and vegetables. She loves the empowerment a community bank like FNBRF offers her in finding the best solutions for her customers.