| Loan Rates and Terms | ||
|---|---|---|
| Rates effective as of April 25, 2008 | ||
| Term/Mos | Annual Percentage Rate | |
| AUTO LOANS(*) | ||
| New, Used: 2009, 2008 (2009-2004 10% Down) | ||
| 6-36 | 4.79% | |
| 37-48 | 4.89% | |
| 49-60 | 4.99% | |
| 61-72 | 5.99% | |
| Used: 2007 | ||
| 6-48 | 4.99% | |
| 49-60 | 4.99% | |
| 61-72 | 5.99% | |
| Used: 2006 | ||
| 6-48 | 5.49% | |
| 49-60 | 5.99% | |
| Used: 2005 | ||
| 6-48 | 5.79% | |
| 49-60 | 6.09% | |
| Used: 2004 | ||
| 6-36 | 5.89% | |
| 37-60 | 6.19% | |
| Used: 2003 (2003 & Older: 25% down or 90% of NADA Trade-In Value) | ||
| 6-36 | 6.99% | |
| 37-48 | 6.99% | |
| 49-60 | 7.24% | |
| Used: 2002 | ||
| 6-48 | 7.89% | |
| For Example: A $10,000 auto or personal loan for 48 months at 4.79% would have a repayment amount of $229.35 and a finance charge of $1,008.80. | ||
| PERSONAL LOANS(*) | ||
| With 1st National Savings Account as Collateral | 6-60 | Same as New Cars |
| With Stock Listed on American, NASDAQ or NYSE Up to 2/3 Value | 6-60 | Same as New Cars |
| With Other Securities Than Above, Up to 50% Value | 6-36 | 9.95% |
| Personal Loan, Depositor | 6-36 | 12.50% |
| Personal Loan, Non-Depositor | 6-36 | 18.00% |
| (*) All vehicle and personal loan rates include a reduction for a FNB automatic payment. Add .25% WITHOUT an automatic payment from a 1st National checking account. | ||
| For Example: A $10,000.00 loan for 36 months at 12.50% would have a repayment amount of $334.61 and a finance charge of $2,045.96. | ||
| FIXED RATE HOME EQUITY LOANS | ||
| $100,000.00 Maximum, $4,000.00 Minimum | Up to 36 | 5.99% |
| 37-48 | 6.59% | |
| 49-60 | 6.59% | |
| 61-84 | 6.75% | |
| Terms up to & including 120 months with 89% LTV | 85-120 | 6.85% |
| Terms > 10 years with 75% LTV or below | 121-180 | 7.25% |
| For Example: A $15,000 loan for 60 months at 6.59% would have a repayment amount of $294.10 and a finance charge of $2,646.00. | ||