First National Bank Fredericksburg

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First National Bank Fredericksburg

Current Rates

MORTGAGE RATES AT FNB

Effective Date: January 31, 2012

Loan Type
Term
Points
Interest Rate
APR*
Monthly Payment*
Fixed rate 1st mtg.
15 years
3
3.250%
3.768%
$702.66
Fixed rate 1st mtg.
20 years

3
3.750%
4.159%
$592.88
Fixed rate 1st mtg.
30 years
3
3.750%
4.043%
$463.11

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, 6 Month Construction Mortgages and 97% Fannie Mae Purchase Money Mortgages are available.

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

 

INSTALLMENT LOAN RATES AT FNB

Home Equity or Certificate of Deposit/Savings Account Secured Loans

Effective Date: January 26, 2012

Term Interest Rate APR* Monthly Payment*
5 years 3.95% 3.95% $91.97
10 years 4.25% 4.25% $51.22
15 years 4.50% 4.50% $38.26

Rates are subject to change without notice. Maximum Loan to Value 80%. 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.

 

AUTOMOBILE SECURED LOANS

Effective Date: January 17, 2012

Age of Vehicle
Term
Interest Rate
APR*
Monthly Payment
New
66 months
4.75%
4.75%
$172.48
2010
60 months
5.40%
5.40%
$190.56
2009
54 months
5.60%
5.60%
$209.94
2008
48 months
6.10%
6.10%
$235.32
2007
42 months
6.10%
6.10%
$265.03
2006
36 months
6.35%
6.35%
$305.82
2004 and 2005
30 months
6.49%
6.49%
$362.02
2001-2003
24 months
7.00%
7.00%
$447.75
Older Units
18 months
11.00%
11.00%
$605.22

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 coupon book. Discounted rates available for payments automatically drafted from an FNB deposit account.

 

UNSECURED LOANS:

Effective Date: January 17, 2012

Term
Interest Rate
APR*
Monthly Payment
36 months
14.50%
14.50%
$172.04*

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 Everybody's Club checking 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 26, 2012). 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 26, 2012). Maximum lifetime cap is 18% APR.*** Maximum Loan to Value 80%. 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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