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Online Banking

Home Equity Loans

With a home equity line of credit, you can tap into the equity you have built up in your home to meet a wide range of different financial needs. 

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Home Equity Loans from FNCB Bank

The FNCB Home Equity Line of Credit with Carve Out combines the convenience of a variable rate home equity line of credit (HELOC) with a "carve out" option that allows you to lock-in up to three simultaneous fixed rate loans without having to reapply. Simply draw the amount you need, whenever you need it, and for whatever you need it.

Product

Key Features

Home Equity Loans from FNCB Bank

Home Equity Line of Credit with Carve Out

A home equity line of credit that gives you the flexibility of a variable and fixed rate loan. It's your choice.

Home Equity Line of Credit with Carve Out

The FNCB Home Equity Line of Credit with Carve Out combines the convenience of a variable rate home equity line of credit (HELOC) with a "carve out" option that allows you to lock-in up to three simultaneous fixed rate loans without having to reapply. Simply draw the amount you need, whenever you need it, and for whatever you need it.

Loan Features

  • Low rates.
  • Quick application and decision process.
  • 10-year draw period followed by a 15-year repayment period on variable portion.
  • Carve out up to three simultaneous fixed rate loans.
  • Borrow up to 89% of the equity in your home.
  • Interest only billing during the draw period.
  • No annual fee.

Carve-Out Option

Our Home Equity Line of Credit Carve-Out option allows you to convert a portion of your outstanding HELOC balance to a fixed-rate loan! For example, if you need money to buy a car, simply "carve out" the amount you need giving you predictable monthly payments and no worries about fluctuating interest rates!

  • $10,000 minimum carve-out loan amount.
  • Flexible terms.
  • As you repay the fixed-rate loan, your available HELOC balance is once again available to borrow.
  • $50 carve-out fee.

Visit any FNCB Community Office or call 1-877-879-3622 to learn more!

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Disclosure

All loans subject to credit approval. Consult a tax advisor regarding the deductibility of interest.

OUR MISSION:  To make your banking experience simply better.

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