Home Lending Rates
Home Equity Line of Credit with Carve Out
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.
Click here for a full disclosure
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Consumer Loans Rates
New Car Loan Rates
Rates and APRs are accurate as of Tuesday, May 10, 2022 and are subject to change without notice.
Model Year
|
Term
|
Interest Rate*
|
APR**
|
Monthly Payment per $1000 Borrowed
|
New Car Loan Rates
2022-2021
|
36 Months
|
3.590%
|
3.921%
|
$29.34
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2022-2021
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48 Months
|
3.690%
|
3.941%
|
$22.44
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2022-2021
|
75 Months
|
4.590%
|
4.754%
|
$15.36
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2022-2021
|
84 Months
|
4.640%
|
4.791%
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$13.97
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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.
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Used Car Loan Rates
Rates and APRs are accurate as of Tuesday, May 10, 2022 and are subject to change without notice.
Model Year
| Term |
Interest Rate*
|
APR**
|
Monthly Payment per $1000 Borrowed
|
Used Car Loan Rates
2020-2021
|
36 Months |
3.690%
|
4.019%
|
$29.39
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2020-2021
|
48 Months |
3.790%
|
3.539%
|
$22.49
|
2020-2021
|
75 Months |
4.590%
|
4.754%
|
$15.36
|
2020-2021
|
84 Months |
4.740%
|
4.891%
|
$14.01
|
2019
|
36 Months |
3.790%
|
4.119%
|
$29.43
|
2019
|
48 Months |
3.890%
|
4.142%
|
$22.53
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2019
|
75 Months |
4.690%
|
4.855%
|
$15.41
|
2019
|
84 Months |
4.840%
|
4.992%
|
$14.06
|
2018
|
36 Months |
4.490%
|
4.823%
|
$29.74
|
2018
|
48 Months |
4.690%
|
4.941%
|
$22.89
|
2018
|
75 Months |
5.040%
|
5.207%
|
$15.57
|
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
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Instant Money Loan Rates
Rates and APRs are accurate as of Tuesday, October 1, 2019 and are subject to change without notice.
Type
|
Annual Percentage Rate
|
Instant Money*
Instant Money - Fixed Rate
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15.00%
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*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.
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Personal Loan Rates
Rates and APRs are accurate as of Tuesday, February 9, 2021 and are subject to change without notice.
Personal Loan Rates
Term
|
Interest Rate*
|
APR**
|
Monthly Payment per $1000 Borrowed
|
36 months
|
7.140%
|
7.812%
|
$30.94
|
48 months
|
7.640%
|
8.153%
|
$24.24
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60 months
|
8.140%
|
8.567%
|
$20.34
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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.
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Deposit Rates
Checking Account Rates
Rates and APYs are accurate as of Friday, January 1, 2021 and are subject to change without notice.
Type of Account
|
Rate
|
APY1
|
Performance Checking Accounts
Senior Checking
|
0.01%
|
0.01%
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Wow Relationship Checking $0.00-$5,000 Wow Relationship Checking $5,000.01 and over
|
1.98%
0.15%
|
2.00%2
2.00%-0.23%2
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Wow Maximum Earnings $0.00-$5,000 Wow Maximum Earnings $5,000.01 and over
|
1.98%
0.15%
|
2.00%2
2.00%-0.23%2
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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.
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Savings Account Rates
Rates and APYs are accurate as of January 24, 2022 and are subject to change without notice.
Balance
|
Rate
|
APY*
|
Wow Saver
$0.00 to $25,000
|
0.20%
|
0.20%
|
$25,000.01 and over
|
0.05%
|
0.20%-0.08%
|
*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.
Balance
|
Rate
|
APY*
|
Simply Statement Savings Account
0.00-299.99
|
0.00%
|
0.00%
|
300.00-49,999.99
|
0.025%
|
0.025%
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50,000-99,999.99
|
0.05%
|
0.05%
|
100,000 and over
|
0.075%
|
0.075%
|
* 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.
Type of Account
|
Rate
|
APY*
|
Savings - Deposits
Youth Savings Account
|
0.075%
|
0.075%
|
Anytime Savers Club
|
0.03%
|
0.03% |
* 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.
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Money Market Account Rates
Rates and APYs are accurate as of October 18, 2021 and are subject to change without notice.
Balance
|
Rate
|
APY*
|
Simply Money Market Account - Consumer
0.00-2,499.99
|
0.00%
|
0.00%
|
2,500.00-99,999.99
|
0.05%
|
0.05%
|
100,000-249,999.99
|
0.05%
|
0.05%
|
250,000 -499,999.99
|
0.075%
|
0.075%
|
500,000.00 and over
|
0.125%
|
0.125%
|
Balance
|
Rate
|
APY*
|
Wow Relationship Money Market Available for Wow Relationship Checking Account holders
0.00 to 2,499.99
|
0.00%
|
0.00%
|
2,500.00 to 24,999.99
|
0.05%
|
0.05%
|
25,000.00 to 49,999.99
|
0.05%
|
0.05%
|
50,000.00 to 99,999.99
|
0.05%
|
0.05%
|
100,000.00 to 249,999.99
|
0.10%
|
0.10%
|
250,000.00 to 499,999.99
|
0.125%
|
0.125%
|
500,000.00 and over |
0.15% |
0.15% |
*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.
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CD & IRA Account Rates
Rates and APYs are accurate as of Tuesday, January 26, 2021 a and are subject to change without notice.
Type of Account
|
Rate
|
APY*
|
Fixed Rate CDs & IRAs
3 Month Certificate of Deposit
|
0.05%
|
0.05%
|
6 Month Certificate of Deposit
|
0.05%
|
0.05%
|
12 Month Certificate of Deposit
|
0.10%
|
0.10%
|
1 Year Add-On CD--$500.00 to $999.99
|
0.05%
|
0.05%**
|
1 Year Add-On CD--$1,000.00 to $250,000.00
|
0.15%
|
0.15%**
|
18 Month Certificate of Deposit
|
0.15%
|
0.15%
|
24 Month Certificate of Deposit
|
0.20%
|
0.20%
|
36 Month Certificate of Deposit
|
0.30%
|
0.30%
|
48 Month Certificate of Deposit
|
0.30%
|
0.30%
|
60 Month Certificate of Deposit
|
0.35%
|
0.35%
|
Balance
|
Rate
|
APY*
|
Relationship CD 6 Month Available for Wow Relationship Checking Account holders
$0.00 to $49,999.99
|
0.10%
|
0.10%
|
$50,000.00 and over
|
0.15%
|
0.15%
|
Balance
|
Rate
|
APY*
|
Relationship CD 12 Month Available for Wow Relationship Checking Account holders
$0.00 to $49,999.99
|
0.15%
|
0.15%
|
$50,000.00 and over
|
0.20%
|
0.20%
|
Balance
|
Rate
|
APY*
|
Relationship CD 18 Month Available for Wow Relationship Checking Account holders
$0.00 to $49,999.99
|
0.20%
|
0.20%
|
$50,000.00 and over
|
0.25%
|
0.25%
|
Balance
|
Rate
|
APY*
|
Relationship CD 30 Month Available for Wow Relationship Checking Account holders
$0.00 to $49,999.99
|
0.25%
|
0.25%
|
$50,000.00 and over
|
0.30%
|
0.30%
|
Balance
|
Rate
|
APY*
|
Relationship CD 60 Month Available for Wow Relationship Checking Account holders
$0.00 to $49,999.99
|
0.40%
|
0.40%
|
$50,000.00 and over
|
0.45%
|
0.45%
|
* 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
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