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.

View Bio

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

Born and raised in River Falls and a graduate of River Falls High School, Susie is married with two sons, a daughter-in-law and a granddaughter. Her journey with FNBRF began on August 30, 1978 when she was a co-op student in high school. Over 40 years later, she’s still part of the FNBRF family. Susie has volunteered for many years with Back To School Night and when not at work, she’s probably playing with her granddaughter or working on her small hobby farm. She can also be found spending time at the cabin fishing, hunting, horseback riding or snowmobiling. Susie loves helping new and repeat customers make their dreams come true, whether it’s a new car, recreation vehicle, home remodel; the possibilities are endless. She believes community banking is about being able to reach out and talk to someone who cares, stopping in to see a familiar face and that FNBRF is always doing what’s best for the customer.

View Bio

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

A Prescott native, Chad holds degrees in CAD Drafting and Business Administration and has 11 years of banking experience, eight of which have been at FNBRF. In addition to being a Commercial and Consumer Loan Officer at FNBRF, he is a former president and current board member of the Prescott Chamber of Commerce. Outside of work, Chad’s daughter keeps him busy, whether it’s riding bike or any activity involving horses. He is also a competitive volleyball player and an avid hunter. Chad believes the people are what make our community great and appreciates that FNBRF’s supports both customers and employees as a family-first business.

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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

Rebecca graduated from the UW-River Falls and serves FNBRF as both a Relationship Banker and Consumer Lender, and has been part of the FNBRF family for seven years. At home, she has two young children to chase and a crazy little French Bulldog named Whiz. Away from the bank, Rebecca has a passion for travel, or you can find her in the garden, or working on a home remodeling project. She is a past board member of Grow To Share, but continues to volunteer with the organization in addition to volunteering her time for various other organizations around the River Falls area. Rebecca is proud to be a part of FNBRF’s continuous efforts to make an impact in the community by paying it forward.

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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.