Rate Center

For the latest mortgage loan rates, please contact your local FNCB Bank Community Office.

For the latest lot loan rates, please contact your local FNCB Bank Community Office.

For the latest home equity term loan rates, please contact your local FNCB Bank Community Office.

4.00% APR*

Carve Out Rates
Fixed APR on Carve Out amount(s) is determined based on the WSJ National Prime Rate on the day of carve out plus the following margins: 12-36 months (0.50%), 37-60 months (1.00%), 61-96 months (1.50%), 97-120 months (2.00%) and 121-180 months (2.50%).

*Annual percentage rate (APR) is based on the Wall Street Journal National Prime Rate minus 0.25%. Rates may vary but will not exceed 18% and will not fall below 4.00% over the term of the loan. Sample rate is for illustrative purposes only, assumes a borrower with excellent credit. Other rates based on credit history are available. Rates are accurate as of May 18, 2022 and subject to change without notice. All loans subject to credit approval. 

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For the latest Wow Mortgage loan rates, please contact your local FNCB Bank Community Office.

Rates and APRs are accurate as of Tuesday, May 10, 2022 and are subject to change without notice.

Up to 120% of financing available. Loan subject to credit approval. Other interest rates and APRs apply to loans with different repayment terms and conditions. Your final interest rate and APR will be determined based on a review of your credit application.

*Interest rates for 36 month loans range from 3.590% as disclosed above to 7.890% with an APR of 8.230% and a monthly payment per $1,000 borrowed of $31.29. Interest rates for 48 month loans range from 3.690% as disclosed above to 9.140% with an APR of 9.404% and a monthly payment per $1,000 borrowed of $24.95. Interest rates for 75 month loans range from 4.590% as disclosed above to 9.140% with an APR of 9.315% and a monthly payment per $1,000 borrowed of $17.65.  Interest rates for 84 month loans range from 4.640% as disclosed above to 5.590% with an APR of 5.741% and a monthly payment per $1,000 borrowed of $14.41.

**All APRs are based on a $10,000 loan amount with a $50 document preparation fee.

Rates and APRs are accurate as of Tuesday, May 10, 2022 and are subject to change without notice.

Financing up to the amount of the NADA Book average wholesale value. Loan subject to credit approval. Other interest rates and APRs apply to loans with different repayment terms and conditions. Your final interest rate and APR will be determined based on a review of your credit application.

*Interest rates for 36 month loans for a 2020-2021 used vehicle range from 3.690% as disclosed above to 7.990% with an APR of 8.330% and a monthly payment per $1,000 borrowed of $31.33. Interest rates for 48 month loans for a 2020-2021 used vehicle range from 3.790% as disclosed above to 9.340% with an APR of 9.602% and a monthly payment per $1,000 borrowed of $25.05. Interest rates for 75 month loans for a 2020-2021 used vehicle range from 4.590% as disclosed above to 9.340% with an APR of 9.514% and a monthly payment per $1,000 borrowed of $17.65. Interest rates for 84 month loans for a 2020-2021 used vehicle range from 4.740% as disclosed above to 5.690% with an APR of 5.841% and a monthly payment per $1,000 borrowed of $14.46. Interest rates for 36 month loans for a 2019 used vehicle range from 3.790% as disclosed above to 8.090% with an APR of 8.431% and a monthly payment per $1,000 borrowed of $31.38.  Interest rates for 48 months loans for a 2019 used vehicle range from 3.890% as disclosed above to 9.440% with an APR of 9.701% and a monthly payment per $1,000 borrowed of $25.09.  Interest rates for 75 month loans for a 2019 used vehicle range from 4.690% as disclosed above to 9.440% with an APR of 9.614% and a monthly payment per $1,000 borrowed of $17.70.  Interest rates for 84 month loans for a 2019 used vehicle range from 4.840% as disclosed above to 5.940% with an APR of 6.093% and a monthly payment per $1,000 borrowed of $14.58.  Interest rates for 36 month loans for a 2018 used vehicle range from 4.490% as disclosed above to 8.990% with an APR of 9.330% and a monthly payment per $1,000 borrowed at $31.80.  Interest rates for 48 month loans for a 2018 used vehicle range from 4.690% as disclosed above to 8.990% with an APR of 9.253% and a monthly payment per $1,000 borrowed at $24.88.  Interest rates for 75 month loans for a 2018 used vehicle range from 5.040% as disclosed above to 5.540% with an APR of 5.709% and a monthly payment per $1,000 borrowed at $15.81.

**All APRs are based on a $10,000 loan amount with a $50 document preparation fee.

**Refinance rates may not be applied to any current FNCB auto loan

Rates and APRs are accurate as of Tuesday, October 1, 2019 and are subject to change without notice.

*Instant Money Loans provide overdraft protection and must be tied to a FNCB Bank checking account. Loans are subject to credit approval. An annual fee of $25 will be assessed on the anniversary date.

Rates and APRs are accurate as of Tuesday, February 9, 2021 and are subject to change without notice.

Loans are subject to credit approval. Other interest rates and APRs apply to loans with different repayment terms and conditions. Your final interest rate and APR will be determined based on a review of your credit application.

*Interest rates for 36 month loans range from 7.14% as disclosed above to 11.24% with an APR of 11.933% and a monthly payment per $1,000 borrowed of $32.85. Interest rates for 48 month loans range from 7.64% as disclosed above to 11.74% with an APR of 12.274% and a monthly payment per $1,000 borrowed of $26.21. Interest rates for 60 month loans range from 8.14% as disclosed above to 12.24% with an APR of 12.680% and a monthly payment per $1,000 borrowed of $22.37.

**All APRs are based on a $5,000 loan amount with a $50 document preparation fee. The minimum loan amount is $1,500.

Rates and APYs are accurate as of Friday, January 1, 2021 and are subject to change without notice.

¹Annual Percentage Yield. Rate may change after account is opened. Minimum balance required to earn APY: $1,500.00. Fees could reduce earnings on the account.

^{2Balances over $5,000 earn 0.15% interest rate on the portion of the balance over $5,000, resulting in a range from 2.00% to 0.23% APY depending on the balance. This range assumes a $5,000.01 - $110,000 account balance, although higher balances are accepted.}

Rates and APYs are accurate as of January 24, 2022 and are subject to change without notice.

*Balances over $25,000 in Wow Saver earn 0.05% interest rate on the portion of balance over $25,000, resulting in a range from 0.20% - 0.08% APY, depending on the balance. This range assumes a $25,000.01 - $110,000 account balance, although higher balances are accepted.

* Annual Percentage Yield. Rate may change after account is opened. Minimum balance required to earn APY: $300.00. Fees could reduce earnings on the account.

* Annual Percentage Yield

Youth Savings

Rate may change after account is opened. Minimum deposit required to open account $10.00. Minimum balance required to earn APY: $0.01. Fees could reduce earnings on the account.

Anytime Savers Club

Rate may change after account is opened. Minimum balance required to earn APY: $0.01. Fees could reduce earnings. on the account.

Rates and APYs are accurate as of October 18, 2021 and are subject to change without notice.

*Annual Percentage Yield. Rate may change after account is opened. Minimum balance required to earn APY: $2,500.00. Fees could reduce earnings on the account.

Rates and APYs are accurate as of Tuesday, January 26, 2021 a and are subject to change without notice.

* Annual Percentage Yield. Minimum deposit required to open $1,000.00. Penalty may be imposed for early withdrawal. Automatically renewable. ** Minimum deposit required to open $500.00