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Home Equity Loans - Owner Occupied Residential Real Estate - Loans $35,000+ with min of $10,000 new money
Effective April 30, 2008
| Term |
To 80% Loan to Value |
**81-95% Loan to Value |
| 1 - 60 months |
5.99% APR* |
7.64% APR* |
| 61 - 120 months |
6.24% APR* |
8.04% APR* |
| 121 - 180 months |
6.49% APR* |
8.39% APR* |
| 181 - 240 months |
6.74% APR* |
N/A |
| 241 - 300 months |
6.99% APR* |
N/A |
* Annual Percentage Rate
Add .50% (50 basis points) to all of the above rates if the payments are not automatically deducted from a First National checking account.
FNB Platinum checking account customers may deduct an additonal .15% from the above rates.
Loans over $250,000 require a full appraisal and loans over $300,000 require title insurance, the cost of each is paid for by the borrower.
** Not available on purchase money transactions.
Home Equity Loans - Owner Occupied Residential Real Estate - Under $35,000
Effective April 30, 2008
| Term |
Rate - 80% LTV |
**Rate - 81-95% LTV |
| 1 - 60 months |
6.39% APR* |
7.64% APR * |
| 61-120 months |
6.64% APR* |
8.04% APR* |
| 121 - 180 months |
6.89% APR* |
8.39% APR* |
| 181 - 240 months |
7.14% APR* |
N/A |
| 241 - 300 months |
7.39% APR* |
N/A |
*Annual Percentage Rate
Add .50% (50 basis points) to all of the above rates if the payments are not automatically deducted from a First National checking account.
FNB Platinum checking account customers may deduct and additional .15% from the above rates.
** Not available on purchase money transactions.
Home Equity Loans- Non-Owner Occupied Residential Real Estate- Max LTV 70%
Effective April 30, 2008
| Term |
Months |
| 1 - 60 months |
7.39% APR * |
| 61- 120 months |
7.64% APR* |
| 121 - 180 months |
7.89% APR * |
| 181 - 240 months |
8.14% APR* |
| 241 - 300 months |
8.39% APR* |
* Annual Percentage Rate
Add .50% (50 basis points) to all of the above rates in the payments are not automaticaly deducted from a First National checking account.
FNB Platinum checking account customers may deduct an additional .15% from the above rates.
Loans over $250,000 require a full appraisal and lines over $300,000 require title insurance, the cost of each is paid for by the borrower.
$150.00 documentation fee due at closing.
Home Equity (First Equity) Line of Credit
Effective April 30, 2008
THE CURRENT PRIME RATE IS 5.00%
|
Promo Rate Up To 80% Financing Rate |
Rate after Promo Period |
81 - 95% Financing Rate APR* |
| **Platinum Line of Credit. Wall Street Journal Prime minus .50%. MIN LINE $100,000. Owner Occupied Residential Real Est |
4.49% APR* |
Prime - 0.50% |
N/A |
| **Regular Equity Line of Credit. Wall Street Journal Prime. Owner Occupied Residential Real Estate Only. |
4.49% APR* |
Prime |
N/A |
| # Loan to Value 81-95%,Owner Occupied Residential Real Estate-Wall Street Journal Prime+ 1% |
N/A |
N/A |
Prime + 1%* |
| ***Non-Owner Occupied Residential Real Estate Maximum Loan to Value 70%. Wall Street Journal Prime. |
N/A |
Prime + 1.25% |
N/A |
* Annual Percentage Rate
**The Platinum Line of Credit and Regular Equity Line Special Rates that we are currently offering are fixed for the first 6 months of the line.
Lines over $250,000 require a full appraisal, and lines of credit over $300,000 require title insurance, the cost of each is paid for by the borrower.
An early retirement fee equal to the greater of $250.00 or .50% of the line amount will be assessed in the event that a line is terminated during the first 12 months of the contract.
All rates are determined as of the 16th of the month, or the next business day after.
***Non Owner Occupied lines have a 5 year draw period, fifteen year repayment term thereafter unless renewed. $150.00 documentation fee due at closing. # Not available on purchase money transactions.
Auto - New Cars
Effective April 30, 2008
|
Up To 80% Financing Rate |
Up To 81-90% Financing Rate |
| 12 - 36 Months |
6.99% APR* |
7.24% APR* |
| 37 - 60 Months |
6.99% APR* |
7.24% APR* |
| 61 - 66 Months** |
6.99% APR* |
7.24% APR* |
* Annual Percentage Rate
** Available on vehicles with a purchase price of $25,000 or more.
Percentage financed is based upon purchase price excluding tags, taxes, etc.
Add .50% (50 basis points) to all the above rates if the payments are not automatically deducted from a First National checking account.
Auto - Used Cars
Effective April 30, 2008
|
Up to 80% Financing |
81-90% Financing |
| 2006-2007 Model Year (Term to 60 months) |
7.49% APR* |
7.74% APR* |
| 2005 Model Year (Term to 54 months)** |
7.99% APR* |
8.24% APR* |
| 2004 Model Year (Term to 48 months) |
8.74% APR* |
8.99% APR* |
Financing % based upon NADA Retail Value
* Annual Percentage Rate
** If NADA retail value is greater than $15,000, maximum term is 60 months.
*** If NADA retail value is greater than $10,000, maximum term is 48 months.
FNB Platinum Checking account customers may deduct an additional .15% from the above rates.
Add .50% (50 basis points) to all above rates if the payments are not automatically deducted from a First National checking account.
Personal Loans - Unsecured
Effective April 30, 2008
|
APR* |
| $2,500-$4,999
Terms up to 48 months. |
10.99% APR* |
| $5,000 and Up.
Terms up to 60 months |
11.49% APR* |
* Annual Percentage Rate
FNB Platinum Checking account customers may deduct an additional .15% from the above rates.
Add .50% (50 basis points) to all above rates if the payments are not automatically deducted from a First National checking account.
First Cash Line/Overdraft Protection. Minimum amount $2,500.
Effective April 30, 2008
The current Wall Street Journal Prime Rate is 5.00%.
|
APR* |
| This is an adjustable rate product priced at WSJ Prime plus 3.0% |
Prime + 3 % (8.25%) |
* Annual Percentage Rate
Rates adjust monthly on the 21st following the change in WSJ Prime.
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