First National Bank Fredericksburg

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Current Loan Rates

MORTGAGE LOANS

Effective Date: May 8, 2014

Loan Type
Term
Points
Interest Rate
APR*
Monthly Payment*
Fixed rate 1st mtg.
15 years
2
3.250%
3.617%
$702.66
Fixed rate 1st mtg.
20 years

2
4.00%
4.292%
$605.98
Fixed rate 1st mtg.
30 years
2
4.125%
4.337%
$484.64

Important Notice:
The featured rates shown above are updated on the website only once daily and are subject to change without notice throughout the day. Rates shown above are only an indication of current rates and will vary depending on factors such as the rate lock period, your credit history, representative credit score, loan to value ratio, and loan type and purpose.

Rates subject to change without notice. Additional terms are available. 45-day rate lock is available. Subject to credit approval.

*Annual Percentage Rate and Monthly Payment based on $100,000 loan. Payments include principal and interest. Taxes, Insurance, PMI and other charges are not included. Rates based on conforming loans not exceeding $417,000.

Lebanon County and Lebanon City First Time Homebuyers Program and 6 Month Construction Mortgages are available.

For additional information or to schedule an appointment please contact a FNB Branch Manager or Loan Officer.

 

HOME EQUITY LOANS

Effective Date: November 18, 2013

Term Interest Rate APR* Monthly Payment*
5 years 3.50% 3.50% $90.97
10 years 3.75% 3.75% $50.04

Rates are subject to change without notice. Maximum Loan to Value: 70% if FNB is subordinate to another lender OR 80% if FNB is NOT subordinate to another lender. Property Insurance is required. Other fees and restrictions may apply. Subject to credit approval.

*Annual Percentage Rate and Monthly Payment based on $5,000 loan for the term specified. Payments include principal and interest. Taxes and insurance are not included. Interest Rate, Annual Percentage Rate and Monthly Payment based on automatic deduction from an FNB account. Maximum loan amount $100,000.

 

CERTIFICATE OF DEPOSIT/SAVINGS SECURED LOANS

Effective Date: July 12, 2012

Term Interest Rate APR* Monthly Payment*
3 years 5.00% 5.00% $149.87
5 years 5.00% 5.00% $94.37

Rates are subject to change without notice. Subject to credit approval.

*Annual Percentage Rate and Monthly Payment based on $5,000 loan for the term specified.

 

AUTOMOBILE SECURED LOANS

Effective Date: November 6, 2013

Age of Vehicle
Term
Interest Rate
APR*
Monthly Payment
New
66 months
3.49%
3.49%
$166.74
2013
60 months
3.49%
3.49%
$181.87
2012
54 months
3.79%
3.79%
$201.71
2011
48 months
3.99%
3.99%
$225.74
2010
42 months
4.25%
4.25%
$256.65
2009
36 months
4.50%
4.50%
$297.45
2007 and 2008
30 months
4.99%
4.99%
$355.22
2004-2006
24 months
6.00%
6.00%
$443.18
Older Units
18 months
9.25%
9.25%
$597.04

Rates are subject to change without notice. Maximum Loan to Value 90% of the lesser of (NADA book value) or (purchase price). Insurance is required. Other fees and restrictions may apply. Subject to credit approval.

*Annual Percentage Rate and Monthly Payment based on $10,000 loan for the term specified. Interest Rate, Annual Percentage Rate and Monthly Payment based on automatic deduction from an FNB account.

 

UNSECURED LOANS

Effective Date: January 18, 2013

Term
Interest Rate
APR*
Monthly Payment
36 months
14.75%
14.75%
$172.76*

Rates are subject to change without notice. Other terms and loan amounts are available. Subject to credit approval.

*Annual Percentage Rate and Monthly Payment based on $5,000 loan for the term specified. Interest Rate, Annual Percentage Rate and Monthly Payment based on automatic deduction from an FNB account.

LINES OF CREDIT

 

Type
Interest Rate Index
Current Interest Rate/APR***
Personal Unsecured Line*
Wall Street Journal Prime + 4%
7.25%
Home Equity Line**
Wall Street Journal Prime + 0%
3.25%

*This is a variable rate loan based on the Wall Street Journal prime + 4% for the life of the loan as published in the Wall Street Journal (7.25% as of January 18, 2013). Maximum lifetime cap is 18% APR.***

** This is a variable rate based on the Wall Street Journal prime + 0% for the life of the loan as published in the Wall Street Journal (3.25% as of January 18, 2013). Maximum lifetime cap is 18% APR.*** Maximum Loan to Value: 70% if FNB is subordinate to another lender OR 80% if FNB is NOT subordinate to another lender. Property insurance is required. Other fees and restrictions may apply.

Rates subject to change without notice. Subject to credit approval.

***(Annual Percentage Rate)

 

COMMERCIAL LOAN RATES

Contact FNB Branch Manager or Loan Officer for rates and terms available for commercial loans and commercial lines of credit.

 
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