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FNCB Rate Center
FNCB Deposit Rates
Checking Accounts Rates
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Checking Accounts Rates
Rates and APYs are accurate as of Monday, April 01, 2013 and are subject to change without notice.
Maximum Earnings (ME) Account
Balance Rate APY* 0-25,000.00 0.20% 0.20% 25,000.01 and over 0.05% 0.05% Non-Qualifying Accounts 0.05% 0.05% Performance Checking Accounts
Type of Account Rate APY* Workplace Banking 0.05% 0.05% Senior Checking 0.10% 0.10% NOW Accounts 0.05% 0.05% - * Annual Percentage Yield
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Savings Accounts Rates
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Savings Accounts Rates
Rates and APYs are accurate as of Monday, April 01, 2013 and are subject to change without notice.
Performance Statement Savings Account**
Balance Rate APY* 0-9,999.99 0.00% 0.00% 10,000.00-24,999.99 0.10% 0.10% 25,000.00-49,999.99 0.20% 0.20% 50,000.00-74,999.99 0.20% 0.20% 75,000.00-99,999.99 0.25% 0.25% 100,000.00 and over 0.25% 0.25% - ** Performance Checking Required
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Optimum Statement Savings Account
Balance Rate APY* .01-49,999.99 0.10% 0.10% 50,000-99,999.99 0.15% 0.15% 100,000 and over 0.20% 0.20% Savings - Deposits
Type of Account Rate APY* Youth Savings Account 0.10% 0.10% Passbook Savings Accounts 0.10% 0.10% Holiday Clubs with autodraft 0.20% 0.20% Holiday Clubs without autodraft 0.10% 0.10% Vacation Clubs with autodraft 0.10% 0.10% Vacation Clubs without autodraft 0.05% 0.05% Health Savings Accounts
Balance Rate APY* 0 - 999.99 0.05% 0.05% 1,000.00 - 9,999.99 0.10% 0.10% 10,000.00 & Over 0.20% 0.20% - Click Here for Disclosure information
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Money Market Account Rates
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Money Market Account Rates
Rates and APYs are accurate as of Monday, April 01, 2013 and are subject to change without notice.
Performance Money Market Account**
Balance Rate APY* 0-9,999.99 0.00% 0.00% 10,000-24,999.99 0.10% 0.10% 25,000-49,999.99 0.20% 0.20% 50,000-74,999.99 0.20% 0.20% 75,000-99,999.99 0.25% 0.25% 100,000 and over 0.25% 0.25% - ** Performance Checking Required
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Optimum Money Market Account
Balance Rate APY* .01-49,999.99 0.10% 0.10% 50,000-99,999.99 0.15% 0.15% 100,000 -249,999.99 0.25% 0.25% 250,000.00 and over 0.30% 0.30% - * Annual Percentage Yield
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CDs & IRAs Account Rates
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CDs & IRAs Account Rates
Rates and APYs are accurate as of Monday, April 01, 2013 and are subject to change without notice.
Fixed Rate CDs & IRAs
Type of Account Rate APY* 3 Month Certificate of Deposit 0.10% 0.10% 6 Month Certificate of Deposit 0.22% 0.22% 12 Month Certificate of Deposit 0.37% 0.37% 1 Year Add-On CD--$500.00 to $999.99 0.15% 0.15% 1 Year Add-On CD--$1,000.00 and Over 0.37% 0.37% 18 Month Certificate of Deposit 0.40% 0.40% 24 Month Certificate of Deposit 0.60% 0.60% 36 Month Certificate of Deposit 0.70% 0.70% 48 Month Certificate of Deposit 0.90% 0.90% 60 Month Certificate of Deposit 1.15% 1.15% - * Annual Percentage Yield
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FNCB Consumer Loans Rates
New Car Loan Rates
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New Car Loan Rates
Rates and APYs are accurate as of Monday, April 01, 2013 and are subject to change without notice.
With Auto Draft*
Model Year Term Interest Rate*** APR** Monthly Payment per $1000 Borrowed 2012-2013 36 Months 3.29% 3.55% $29.21 2012-2013 48 Months 3.29% 3.49% $22.26 2012-2013 60 Months 3.49% 3.65% $18.19 2012-2013 72 Months 3.79% 3.93% $15.55 Without Auto Draft*
Model Year Term Interest Rate*** APR** Monthly Payment per $1000 Borrowed 2012-2013 36 Months 3.79% 4.06% $29.43 2012-2013 48 Months 3.79% 3.99% $22.49 2012-2013 60 Months 3.99% 4.15% $18.41 2012-2013 72 Months 4.29% 4.43% $15.78 Up to 100% of financing available. Loan subject to credit approval. Other interest rates and APRs apply to loans with different repayment terms and conditions. Your final interest rate and APR will be determined based on a review of your credit application.
- * Autodraft payments are deducted from a First National Community Bank checking account on the payment due dates. Loan rates are subject to increase if the Auto Draft is canceled during the term of the loan.
- ** All APRs are based on $10,000 loans with a $40 document preparation fee.
- *** Interest rates for a 36-month loan range from 3.29% as disclosed above to 5.84% with an APR of 6.108% and a monthly payment per $1,000 borrowed of $30.35. Interest rates for a 48-month loan range from 3.29% as disclosed above to 5.84% with an APR of 6.044% and a monthly payment per $1,000 borrowed of $23.41. Interest rates for a 60-month loan range from 3.49% as disclosed above to 7.04% with an APR of 7.208% and a monthly payment per $1,000 borrowed of $19.82. Interest rates for a 72-month loan range from 3.79% as disclosed above to 7.54% with an APR of 7.683% and a monthly payment per $1,000 borrowed of $17.31.
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Used Car Loan Rates
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Used Car Loan Rates
Rates and APYs are accurate as of Monday, April 01, 2013 and are subject to change without notice.
With Auto Draft*
Model Year Term Interest Rate*** APR** Monthly Payment per $1000 Borrowed 2011-2013 60 Months 3.74% 3.90% $18.30 2010 60 Months 3.84% 4.0% $18.34 2009 48 Months 3.74% 3.94% $22.46 2008 48 Months 4.34% 4.54% $22.73 2007 36 Months 4.74% 5.01% $29.85 Without Auto Draft*
Model Year Term Interest Rate*** APR** Monthly Payment per $1000 Borrowed 2011-2013 60 Months 4.24% 4.40% $18.53 2010 60 Months 4.34% 4.5% $18.57 2009 48 Months 4.24% 4.44% $22.69 2007 36 Months 5.24% 5.51% $30.08 Financing up to the amount of the NADA Book average wholesale value. Loan subject to credit approval. Other interest rates and APRs apply to loans with different repayment terms and conditions. Your final interest rate and APR will be determined based on a review of your credit application.
- * Autodraft payments are deducted from a First National Community Bank checking account on the payment due dates. Loan rates are subject to increase if the Auto Draft is canceled during the term of the loan.
- ** All APRs are based on $10,000 loans with a $40 document preparation fee.
- *** Interest rates for a 60-month loan for an '13-'11 used vehicle range from 3.74% as disclosed above to 7.29% with an APR of 7.458% and a monthly payment per $1,000 borrowed of $19.94. Interest rates for a 60-month loan for a 2010 used vehicle range from 3.84% as disclosed above to 7.39% with an APR of 7.558% and a monthly payment per $1,000 borrowed of $19.99. Interest rates for a 48-month loan for a 2009 used vehicle range from 3.74% as disclosed above to 7.39% with an APR of 7.597% and a monthly payment per $1,000 borrowed of $24.13. Interest rates for a 48-month loan for a 2008 used vehicle range from 4.34% as disclosed above to 7.79% with an APR of 7.998% and a monthly payment per $1,000 borrowed of $24.31. Interest rates for a 36-month loan for a 2007 used vehicle range from 4.74% as disclosed above to 7.89% with an APR of 8.161% and a monthly payment per $1,000 borrowed of $31.29.
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Instant Money Loans
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Instant Money Loans
Rates and APYs are accurate as of Monday, April 01, 2013 and are subject to change without notice.
Instant Money*
Type Annual Percentage Rate Fixed Rate 12.00% - * Instant Money Loans provide overdraft protection and must be tied to a First National Community Bank checking account. Loans are subject to credit approval. $15 annual fee applies.
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Installment Loans
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Installment Loans
Rates and APYs are accurate as of Monday, April 01, 2013 and are subject to change without notice.
With Auto Draft*
Term Interest Rate** as low as: APR*** Monthly Payment per $1000 Borrowed 36 Months 5.99% 6.33% $30.42 48 Months 6.49% 6.75% $23.71 60 Months 6.99% 7.20% $19.80 Without Auto Draft*
Term Interest Rate** as low as: APR*** Monthly Payment per $1000 Borrowed 36 Months 6.99% 7.33% $30.87 48 Months 7.49% 7.75% $24.17 60 Months 7.99% 8.20% $20.27 Loans are subject to credit approval. Other interest rates and APRs apply to loans with different repayment terms and conditions. Your final interest rate and APR will be determined based on a review of your credit application.
- * Autodraft payments are deducted from a First National Community Bank checking account on the payment due dates. Loan rates are subject to increase if the autodraft is canceled during the term of the loan.
- ** Interest rates for a 36-month loans range from 5.99% as disclosed above to 12.99% with an APR of 13.34% and a monthly payment per $1,000 borrowed of $33.69. Interest rates for a 48-month loan range from 6.49% as disclosed above to 13.49% with an APR of 13.76% and a monthly payment per $1,000 borrowed of $27.07. Interest rates for a 60-month loan range from 6.99% as disclosed above to 13.99% with an APR of 14.21% and a monthly payment per $1,000 borrowed of $23.26.
- *** All APRs are based on $5,000.00 loan amounts with a $25.00 document preparation fee. The minimum loan amount is $1,500.00.
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FNCB Mortgage Loans Rates
Mortgage Loan Rates
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Mortgage Loan Rates
Rates and APYs are accurate as of Monday, April 01, 2013 and are subject to change without notice.
Fixed Rate Residential Mortgages
Autodraft Payments are required to obtain the rates listed below:Term (Years) Interest Rate Loan Origination Fee* APR** Monthly Payment per $1000 Borrowed 15 N/A 3.00% N/A N/A 15 2.375% 2.00% 2.80% $6.61 15 2.625% 1.00% 2.90% $6.73 15 2.875% 0.00% 3.01% $6.85 20 2.750% 3.00% 3.13% $5.42 20 3.000% 2.00% 3.33% $5.55 20 3.250% 1.00% 3.47% $5.67 20 3.500% 0.00% 3.61% $5.80 30 2.875% 3.00% 3.19% $4.15 30 3.125% 2.00% 3.36% $4.28 30 3.375% 1.00% 3.53% $4.42 30 3.625% 0.00% 3.70% $4.56 First National Community Bank's fixed rate Residential Mortgage Loans program allows you the flexibility to make your dreams come true.
Information regarding the rates and terms of any of FNCB's mortgage products is available by calling one of our mortgage professionals (Richard Padula - 570-499-5404 / Ted Kowalick - 570-840-7430) or stop by any of our convenient branch locations.
Other mortgage products available at this time:
- Adjustable Rate Mortgages
- One Close and Two Close Construction Mortgages
- 1st Time Home Buyer Mortgages
- Investment Property Mortgages
- * Your choice of a loan term and loan origination fee (points) will determine the applicable interest rate. These rates apply to the purchase or refinance of 1-4 family owner-occupied residential properties with a 20% down payment. The maximum loan amounts depend on the number of units in the home.
- ** All APRs are based on a $100,000.00 loan amount.
- *** Autodraft payments are deducted from a First National Community Bank checking account on the payment due date. These rates are subject to credit approval. A 0.125% rate increase will apply for applicants who do not auto-draft their mortgage payments from an FNCB account (minimum balance of $50 is required). Also, a 0.50% rate increase will apply for applicants who do not elect to use an escrow account for the payment of taxes and insurance.
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Home Equity Loan Rates
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Home Equity Loan Rates
Rates and APYs are accurate as of Monday, April 01, 2013 and are subject to change without notice.
With Auto Draft*
Up to 80% Loan-To-Value Less than 80% Loan-To-Value Term APR** Monthly Payment per $1000 Borrowed APR** Monthly Payment per $1000 Borrowed 60 months 3.74% $18.30 3.99% $18.41 120 months 4.14% $10.19 4.39% $10.31 180 months 4.49% $7.64 4.74% $7.77 Without Auto Draft*
Up to 80% Loan-To-Value Less than 80% Loan-To-Value Term APR** Monthly Payment per $1000 Borrowed APR** Monthly Payment per $1000 Borrowed 60 months 4.24% $18.53 4.49% $18.64 120 months 4.64% $10.43 4.89% $10.55 180 months 4.99% $7.90 5.24% $8.03 Rates shown are per maximum loan amount of $100,000 on 1-4 family owner occupied properties. Loans are subject to credit approval. Other interest rates and APRs apply to loans with different repayment terms and conditions. Your final interest rate and APR will be determined based on a review of your credit application.
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A $250.00 document preparation fee applies to all home equity term loans with Autodraft and a $350.00 document preparation fee applies to all home equity term loans without Autodraft.
- * Autodraft payments are automatically deducted from a First National Community Bank checking account on the payment due dates.
- ** APRs for 60-month loans range from 3.74% as disclosed above to 6.94% with a monthly payment per $1,000 borrowed of $19.77. APRs for 120-month loans range from 4.14% as disclosed above to 7.34% with a monthly payment per $1,000 borrowed of $11.79. APRs for 180-month loans range from 4.49% as disclosed above to 7.69% with a monthly payment per $1,000 borrowed of $9.38.
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Home Equity Line of Credit Rates
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Home Equity Line of Credit Rates
Rates and APYs are accurate as of Monday, April 01, 2013 and are subject to change without notice.
First six months*
APR**After the first six months*
APR**Home Equity Line of Credit Fixed Rate 2.49% Variable Rate Equal to National Prime Rate (Currently 3.25%) - * Fixed rate for the first six months is available for applicants meeting specific credit criteria.
- ** APRs for Home Equity Lines of Credit (HELOC) range from National Prime Rate minus 0.50% to National Prime Rate plus 2.50% and floor rates may apply. Your interest rate and APR will be determined based on a review of your credit application.
- Annual Percentage Rate is subject to change one time each month dependent on changes in the National Prime Rate. There is no minimum for the terms listed above, other terms have a minimum ranging from 4.50% to 5.00%. The maximum rate for all Home Equity Lines of Credit is 18.00%.
- Auto draft payments may be required for Home Equity Line of Credit Products. Auto draft payments are deducted from a First National Community Bank checking account on the payment due dates. Loan rates are subject to increase if the auto draft is canceled during the term of the loan.
- 1. Loans are subject to credit approval. Other interest rates and APRs apply to loans with different repayment terms and conditions. Your final interest rate, APR, and floor rate will be determined based a review of your credit application.
- 2. The minimum loan under these programs is $10,000. Certain restrictions regarding the property to be mortgaged apply. You must carry insurance on the property that secures this loan.
- 3. Fees and charges associated with opening and maintaining a Home Equity Line of Credit are:
• Document Preparation Fee: $250 with Auto draft and $350 for loans without Auto draft.
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WOW Mortgage Rates
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WOW Mortgage Rates
Rates and APYs are accurate as of Monday, April 01, 2013 and are subject to change without notice.
With Auto Draft*
Term APR** Monthly Payment per $1000 Borrowed 90 Months 2.875% $12.37 120 Months 3.000% $9.66 150 Months 3.125% $8.06 Rates shown apply to loan amounts up to 80% of the value of a one-to-four family owner occupied primary residence or vacation property. The minimum loan amount under this program is $25,000. Loans are subject to credit approval.
- * Autodraft payments are automatically deducted from a First National Community Bank checking account on the payment due dates. A $350.00 document preparation fee applies to all WOW Mortgage loans.
- ** APRs for 90-month loans range from 2.875% as listed above to 3.475% with a monthly payment per $1,000 borrowed of $12.64; APRs for 120-month loans range from 3.000% as disclosed above to 3.600% with a monthly payment per $1,000 borrowed of $9.94. APRs for 150 month loans range from 3.125% as disclosed above to 3.725% with a monthly payment per $1,000 borrowed of $8.35.
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