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At Martinsville First, we are proud to offer a variety of products and services along with the personal attention you deserve.

Checking Accounts
Passbook Savings Account
Money Market Savings Account
Certificates of Deposit
Individual Retirement Accounts
Residential Mortgage Loans
Second Mortgage Loans
Savings Account Loans
Money Orders
Direct Deposits
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Martinsville First is your first choice for checking.

Our Basic Checking account features free unlimited check writing and no monthly service charges as long as the minimum daily balance is maintained. Fees are waived for qualified customers.

check our up-to-the-minute savings rates


Martinsville First has two ways to increase your savings.

Passbook Savings Account: An interest-bearing account with a minimum opening balance of $50 with competitive interest rates compounded and paid quarterly.

Money Market Savings Account: An interest-bearing deposit account with a minimum balance of $1,000. Competitive interest rates are compounded and paid monthly.



Our certificates of deposit and Individual Retirement Accounts are smart investment choices.

Certificates of Deposit (CD):
With maturities ranging from six months to five years, our competitively priced certificates can be opened for $500. Interest is guaranteed for the term of the account being compounded and paid quarterly. A penalty is imposed for early withdrawal.

Individual Retirement Account (IRA):
Our Individual Retirement Account is an 18-month Certificate of Deposit with interest compounded and paid quarterly. Contributions and qualifying distributions can be made directly to and from this account without penalty. Consult your tax professional for any tax benefits.



At Martinsville First, mortgages stay right here in Martinsville. We don’t sell mortgages to other banks or third parties.

Mortgages: Fixed rate conventional mortgage loans with maturities up to 25 years are available. All loans are approved, owned and serviced locally by local people. Our One Closing Construction Loan is popular with our customers interested in building a new home.


Savings Account Loans: We also offer a simple, easy and inexpensive way to borrow money without disturbing your savings.

Equal Housing Lender
25 West Church St., Martinsville, VA 24112-6203
Phone: (276) 638-8771 Fax: (276) 638-5492
FDIC Insured