Current Rates

Construction Rates

TermRateAPRMonthly Payment
9 Month2.90%5.352%Interest Only

Construction loan rates quoted are for owner-occupied residences, including a minimum 20% down payment/equity position. Higher rates may be applicable for lesser down payment/equity position loans. Annual Percentage Rate (APR) based on representative $155,000 construction loan amount based on a 9 month loan term and includes common and customary closing costs. Please consult one of our Loan Officers for specific details.

 

Current Fixed Rate Mortgage Rates

Term Rate APR Monthly Payment
 15 Year4.125%4.180% $1156.25
 20 Year4.500%4.544% $980.61
 30 Year4.625%4.657% $796.92

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% 5.365% $696.24
 3 Year ARM 4.000% 5.363% $740.26

ARM rates quoted are for owner-occupied residences, including a minimum 20% down payment/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 are accurate as of August 17, 2018.  | More Info

 

Vehicle Loans

New Vehicles

 Term Rate APR* Monthly Payment
 48 months or less 4.000% 4.165% $338.66
 60 months 4.250% 4.384% $277.92

*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
2016-2017 48 months or less 4.500% 4.750% $228.02
2014-2015 36 months maximum 5.250% 5.579% $300.80
2013 30-36 months maximum 5.500% 5.888% $357.49
2012 or older 24 months maximum 6.000% 6.479% $443.14

*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 are accurate as of August 17, 2018.

 

Certificates Of Deposit

CD TermsMinimum to OpenInterest RateAPY*
** Special**
17 Months

$2,500

1.65%

1.66%
3 Months$1,0000.15%0.15%
6 Months$1,0000.25%0.25%
12 Months$1,0000.35%0.35%
15 Months$10,0000.50%0.50%
24 Months$1,0000.60%0.60%
34 Months$10,0001.00%1.00%
36 Months$1,0000.85%0.85%
48 Months$1,0001.20%1.21%
60 Months$1,0001.45%1.46%

Rates are accurate as of August 17, 2018 and are subject to change at any time. A penalty may be imposed for early withdrawal. Annual percentage yields are based upon quarterly compounding.  The minimum to open is the minimum balance required to obtain the APY.

IRA Rates

Term Rate Annual Percentage Yield
 18-Month IRA 2.25% 2.27%
 $250.00 minimum Variable Rate Compounded Monthly
 Effective 6-01-2018

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

Checking and Savings Rates

Account Type Interest RateAnnual Percentage YieldMinimum Opening Requirement
Checking Accounts
Check Plus Checking $25.00
$0 - $1,999.99 0.10% 0.10%
$2,000.00 - $9,999.99 0.15% 0.15%
$10,000.00 - $24,999.99 0.25% 0.25%
$25,000.00 - $74,999.99 0.30% 0.30%
$75,000 + 0.30% 0.30%
Classic 55 Checking$100.00
$0 - $49,999.99 0.30% 0.30%
$50,000+ 0.30% 0.30%
FNB Business Check Plus0.20%0.20%$100.00
FNB Non-Personal Check Plus0.20%0.20%$100.00
FNB Premier MMA $1,000.00
$0 - $9,999.99 0.20% 0.20%
$10,000.00 - $24,999.99 0.25% 0.25%
$25,000.00 - $49,999.99 0.30% 0.30%
$50,000.00 - $99,999.99 0.35% 0.35%
$100,000 + 0.35% 0.35%
Savings Accounts
FNB First Savings 0.30% 0.30%$50.00
Health Savings Account 0.30% 0.30%$50.00

Rates are accurate as of August 17, 2018 and are subject to change at any time.

APY = Annual Percentage Yield

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.

There is no minimum balance required to obtain the APY.