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Current Rates

MORTGAGE RATES AT FNB

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.

 

INSTALLMENT LOAN RATES AT FNB

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.

 
 
 
 

Earn up to

1.01% APY
Centennial Savings Account**

 

1.01% APY
Prime Flex 24 Month
Certificate of Deposit*

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