Current Rates

Current Fixed Rate Mortgage Rates

Term Rate APR Monthly Payment
 15 Year 3.375% 3.418% $1,098.58
 20 Year 3.750% 3.784% $918.98
 30 Year4.000% 4.025% $739.99

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% 4.561% $696.21
 3 Year ARM 3.750% 4.640% $718.03

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 were last updated on December 11, 2017.

Prime Interest Rate: 4.25%, effective 6-15-2017.  | 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
2014-2015 48 months or less 4.500% 4.750% $228.02
2012-2013 36 months maximum 5.250% 5.579% $300.80
2011 30-36 months maximum 5.500% 5.888% $357.49
2010 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 were last updated on December 11, 2017.

 

Certificates Of Deposit

CD TermsMinimum to OpenInterest RateAPY*
** Specials **
15 Months
34 Months

$10,000
$10,000

0.40%
0.90%

0.40%
0.90%
3 Months$1,0000.15%0.15%
6 Months$1,0000.25%0.25%
12 Months$1,0000.35%0.35%
24 Months$1,0000.60%0.60%
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 December 11, 2017 and are subject to change at any time. A penalty may be imposed for early withdrawal. Annual percentage yields are based upon quarterly compounding. 

*Minimum balance required to obtain the APY

 

IRA Rates

Term Rate Annual Percentage Yield
 18-Month IRA 1.70% 1.71%
 $250.00 minimum Variable Rate Compounded Monthly
 Effective 12-01-2017

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

 

Checking and Savings Rates

Account Type Interest RateAnnual Percentage Yield
Checking Accounts
Check Plus Checking - $500 Minimum* (Personal)
$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 minimum* 0.30% 0.30%
$50,000+ 0.30% 0.30%
$1,000 minimum*
FNB Business Check Plus
$100 minimum to open0.20%0.20%
FNB Premier MMA - $2,500 Minimum* 
$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 - $50 Minimum to Open 0.30% 0.30%
Health Savings Account0.30%0.30%

Rates are accurate as of December 11, 2017 and are subject to change at any time. 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