Current Rates

Mortgage Rates | Vehicle Rates | IRA Rates 
Checking and Savings Rates| Certificate of Deposit Rates

Current Fixed Rate Mortgage Rates:

 

 Term  Rate  APR  Monthly Payment 
 15 Year  3.375%  3.398%  $1,098.58
 20 Year  4.125%  4.143%  $949.51
 30 Year  4.375%  4.389%  $773.89

The above rates require prior FNMA Underwriting Approval for owner-occupied homes, including a minimum 20% downpayment/equity position and a loan balance of $155,000 or greater. Higher rates may be applicable for lower loan amounts, cash out refinance, low credit score and higher loan to value ratios. Rates are not guaranteed until lock-in and are subject to change based on possible market fluctuations. Additional rates and programs are available up to 95% of value. Please consult one of our Loan Officers for specific details.

Current Adjustable Rate Mortgage (ARM) Rates: 

 

 Term  Rate  APR  Monthly Payment 
 1 Year ARM  3.500%  3.169%  $696.26
 3 Year ARM  3.750%  3.863%  $718.09

ARM rates quoted are for owner-occupied residences, including a minimum 20% downpayment/equity position. Higher rates may be applicable for lesser downpayment loans. Annual Percentage Rate (APR) based on representative $155,000 loan amount with a 30 year amortization and includes common and customary closing costs. Use our Financial Calculators for other terms. Additional rates and programs are available up to 95% of value. Please consult one of our Loan Officers for specific details.

Rates were last updated on April 18, 2014.

Prime Interest Rate: 3.25%, effective 12-17-2008. More info

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Vehicle Loans:

 New Vehicles:

 Term  Rate  APR*  Monthly Payment 
 48 months or less  4.750%  4.924%  $343.77
 60 months  5.000%  5.142%  $283.10

 *APR=Annual Percentage Rate. The above APR's and payments are based on a $15,000 loan example and may be different based on your loan amount and term. Cars and pick-up trucks require 10% down payment. 

Used Vehicles:

Year  Term  Rate  APR*  Monthly Payment 
2011-2012  48 months or less  5.500%  5.761%  $232.59
2009-2010  36 months maximum  6.000%  6.341%  $304.24
2008  30-36 months maximum  6.500%  6.905%  $362.07
2007 or older  24 months maximum  7.000%  7.501%  $447.75

 *APR=Annual Percentage Rate. The above APR's and payments are based on a $10,000 loan example and may be different based on your loan amount, term and model year. Used vehicle loans require 20% down payment. 

Rates were last updated on April 18, 2014.

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CD Rates:

 

 Certificates of Deposit

 Interest Rate

 Annual Percentage Yield (APY)

 **SPECIAL**
 15 Month - $10,000 Minimum*

 0.40%

 0.40%

 **SPECIAL**
 34 Month - $10,000 Minimum*

 0.90%

 0.90%

 3 Months - $1,000 Minimum*

 0.15%

 0.15%

 6 Months - $1,000 Minimum*

 0.25%

 0.25%

 12 Month - $1,000 Minimum*

 0.35%

 0.35%

 24 Month - $1,000 Minimum*

0.60%

 0.60%

 36 Month - $1,000 Minimum*

0.85%

 0.85%

 48 Month - $1,000 Minimum*

 1.20%

 1.21%

 60 Month - $1,000 Minimum*

1.45%

 1.46%

Rates are accurate as of April 18, 2014 and are subject to change weekly. A penalty may be imposed for early withdrawal.  Annual percentage yields are based upon quarterly compounding.

*Minimum balance required to obtain the APY

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IRA Rates:

Variable Rate IRAs - Rate changes quarterly 

 

 Term  Rate  Annual Percentage Yield
 18-Month IRA
 $250.00 minimum
 Effective 3-01-2014
 1.40%  1.41%
 Variable Rate Compounded Monthly

The annual percentage yield for the Variable Rate IRA may change after the account is opened.

Fixed Rate IRAs - same as our current CD rates

*Minimum balance required to obtain the APY

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Checking and Savings Rates: 

 

 

 Interest Rate

 Annual Percentage Yield

Checking Accounts

 Value Plus Checking       $500 Minimum*
 $0 - $1,999

 0.10%

 0.10%

 $2,000 - $9,999

 0.15%

 0.15%

 $10,000 - $24,999

 0.25%

 0.25%

 $25,000 - $74,999

 0.30%

 0.30%

 $75,000 +

 0.30%

 0.30%

 Classic 55 Checking
 $100 minimum*

 0.30%

 0.30%

 $50,000+
 $1,000 minimum*

 0.30%

 0.30%

FNB Business Check Plus
$100 minimum to open 0.20% 0.20%
 FNB Premier MMA          $2,500 Minimum* 
 $0 - $9,999

 0.20%

 0.20%

 $10,000 - $24,999

 0.25%

 0.25%

 $25,000 - $49,999

 0.30%

 0.30%

 $50,000 - $99,999

 0.35%

 0.35%

 $100,000 +

 0.35%

 0.35%

 Savings Accounts

 FNB First Savings
 $50 Minimum to Open

 0.30%

 0.30%

 FNB Value Plus Savings
 $50 Minimum to Open

0.55%

0.55%

Rates are accurate as of April 18, 2014 and are subject to change weekly. Fees could reduce earnings on these accounts. Annual percentage yields are based upon quarterly compounding for passbook savings; monthly compounding for Money Market and Interest Bearing Checking Accounts. 

*Minimum balance required to obtain the APY

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