Current Rates

Effective Date: November 12, 2008

Loan Type	Term	Points	Interest Rate	APR*	Monthly Payment*
Fixed rate 1st mtg.	15 years	3	5.250%	5.718%	$803.88
Fixed rate 1st mtg.	20 years	3	5.500%	5.873%	$687.89
Fixed rate 1st mtg.	30 years	3	5.625%	5.905%	$575.66

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.

 

Home Equity or Certificate of Deposit/Savings Account Secured Loans

Effective Date: October 30, 2008

Term	Interest Rate	APR*	Monthly Payment*
3 years	6.24%	6.24%	$305.33
6 years	6.24%	6.24%	$166.88
10 years	6.24%	6.24%	$112.25
15 years	7.20%	7.20%	$91.02

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 $10,000 loan for the term specified. Additional terms are available. 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 Everybody's Club checking account.

 

AUTOMOBILE SECURED LOANS

Effective: October 30, 2008

Age of Vehicle	Term	Interest Rate	APR*	Monthly Payment
New	66 months	6.75%	6.75%	$181.79
2007	60 months	6.90%	6.90%	$197.57
2006	54 months	7.00%	7.00%	$216.45
2005	48 months	7.50%	7.50%	$241.83
2004	42 months	7.50%	7.50%	$271.49
2003	36 months	7.75%	7.75%	$312.25
2001 and 2002	30 months	8.00%	8.00%	$368.93
1998-2000	24 months	9.00%	9.00%	$456.89
Older Units	18 months	13.75%	13.75%	$618.05

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: October 30 , 2008

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%	8.00%
Home Equity Line**	Wall Street Journal Prime + 0%	4.00%

*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 (8.00% as of 10/30/08). 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 (4.00% as of 10/30/08). 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.