Consumer Loans Rates
New Car Loan Rates
|
Rates and APRs are accurate as of Thursday, April 6, 2023 and are subject to change without notice.
|
Model Year
|
Term
|
Interest Rate*
|
APR**
|
Monthly Payment per $1000 Borrowed
|
|---|
New Car Loan Rates
|
2023-2022
|
36 Months
|
6.090%
|
6.426%
|
$30.46
|
|
2023-2022
|
48 Months
|
6.190%
|
6.444%
|
$23.57
|
|
2023-2022
|
75 Months
|
7.090%
|
7.262%
|
$16.54
|
|
2023-2022
|
84 Months
|
7.740%
|
7.897%
|
$15.46
|
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 6.09% as disclosed above to 10.64% with an APR of 10.984% and a monthly payment per $1,000 borrowed of $32.57. Interest rates for 48 month loans range from 6.19% as disclosed above to 11.89% with an APR of 12.158% and a monthly payment per $1,000 borrowed of $26.28. Interest rates for 75 month loans range from 7.09% as disclosed above to 11.89% with an APR of 12.072% and a monthly payment per $1,000 borrowed of $18.96. Interest rates for 84 month loans range from 7.74% as disclosed above to 8.34% with an APR of 8.495% and a monthly payment per $1,000 borrowed of $15.76.
**All APRs are based on a $10,000 loan amount with a $50 document preparation fee.
* Posted rates require Autodraft from an FNCB account, otherwise rates will be increased by .25%.
|
Used Car Loan Rates
|
Rates and APRs are accurate as of Thursday, April 6, 2023 and are subject to change without notice.
|
Model Year
| Term |
Interest Rate*
|
APR**
|
Monthly Payment per $1000 Borrowed
|
|---|
Used Car Loan Rates
|
2021-2022
|
36 Months |
6.190%
|
6.526%
|
$30.51
|
|
2021-2022
|
48 Months |
6.290%
|
6.545%
|
$23.62
|
|
2021-2022
|
75 Months |
7.090%
|
7.262%
|
$16.54
|
|
2021-2022
|
84 Months |
7.840%
|
7.997%
|
$15.51
|
|
2020
|
36 Months |
6.290%
|
6.627%
|
$30.55
|
|
2020
|
48 Months |
6.390%
|
6.645%
|
$23.66
|
|
2020
|
75 Months |
7.190%
|
7.362%
|
$16.59
|
|
2020
|
84 Months |
7.940%
|
8.098%
|
$15.56
|
|
2019
|
36 Months |
6.990%
|
7.325%
|
$30.87
|
|
2019
|
48 Months |
7.190%
|
7.449%
|
$24.03
|
|
2019
|
75 Months |
7.540%
|
7.712%
|
$16.76
|
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 2021-2022 used vehicle range from 6.19% as disclosed above to 10.74% with an APR of 11.084% and a monthly payment per $1,000 borrowed of $32.62. Interest rates for 48 month loans for a 2021-2022 used vehicle range from 6.29% as disclosed above to 12.09% with an APR of 12.359% and a monthly payment per $1,000 borrowed of $26.38. Interest rates for 75 month loans for a 2021-2022 used vehicle range from 7.09% as disclosed above to 12.09% with an APR of 12.273% and a monthly payment per $1,000 borrowed of $19.06. Interest rates for 84 month loans for a 2021-2022 used vehicle range from 7.84% as disclosed above to 8.44% with an APR of 8.596% and a monthly payment per $1,000 borrowed of $15.81. Interest rates for 36 month loans for a 2020 used vehicle range from 6.29% as disclosed above to 10.84% with an APR of 11.185% and a monthly payment per $1,000 borrowed of $32.66. Interest rates for 48 month loans for a 2020 used vehicle range from 6.39% as disclosed above to 12.19% with an APR of 12.459% and a monthly payment per $1,000 borrowed of $26.43. Interest rate for 75 month loans for a 2020 used vehicle range from 7.19% as disclosed above to 12.19% with an APR of 12.373% and a monthly payment per $1,000 borrowed of $19.12. Interest rates for 84 month loans for a 2020 used vehicle range from 7.94% as disclosed above to 8.69% with an APR of 8.847% and a monthly payment per $1,000 borrowed of $15.93. Interest rates for 36 month loans for a 2019 used vehicle range from 6.99% as disclosed above to 11.74% with an APR of 12.087% and a monthly payment per $1,000 borrowed of $33.09. Interest rates for 48 month loans for a 2019 used vehicle range from 7.19% as disclosed above to 11.74% with an APR of 12.007% and a monthly payment per $1,000 borrowed of $26.21. Interest rates for 75 month loans for a 2019 used vehicle range from 7.54% as disclosed above to 8.04% with an APR of 8.212% and a monthly payment per $1,000 borrowed of $17.01.
**All APRs are based on a $10,000 loan amount with a $50 document preparation fee.
* Posted rates require Autodraft from an FNCB account, otherwise rates will be increased by .25%.
|
Instant Money Loan Rates
|
Rates and APRs are accurate as of Thursday, January 5, 2023 and are subject to change without notice.
|
Type
|
Annual Percentage Rate
|
|---|
Instant Money*
|
Instant Money - Fixed Rate
|
15.00%
|
*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.
|
Personal Loan Rates
|
Rates and APRs are accurate as of Monday, May 15, 2023 and are subject to change without notice.
Personal Loan Rates Unsecured
|
Term
|
Interest Rate*
|
APR**
|
Monthly Payment per $1000 Borrowed
|
|
36 months
|
9.140%
|
9.822%
|
$31.86
|
|
48 months
|
9.640%
|
10.163%
|
$25.19
|
|
60 months
|
10.140%
|
10.568%
|
$21.32
|
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 9.14% as disclosed above to 13.24% with an APR of 13.938% and a monthly payment per $1,000 borrowed of $33.81. Interest rates for 48 month loans range from 9.64% as disclosed above to 13.74% with an APR of 14.285% and a monthly payment per $1,000 borrowed of $27.20. Interest rates for 60 month loans range from 10.14% as disclosed above to 14.24% with an APR of 14.690% and a monthly payment per $1,000 borrowed of $23.39. Posted rates require Autodraft from an FNCB account, otherwise rates will be increased by .25%.
**All APRs are based on a $5,000 loan amount with a $50 document preparation fee. The minimum loan amount is $1,500.
Personal Loan Rates Fully Secured
|
Term
|
Interest Rate*
|
APR**
|
Monthly Payment per $1000 Borrowed
|
|
36 months
|
8.250%
|
8.789%
|
$31.45
|
|
48 months
|
8.250%
|
8.666%
|
$24.53
|
|
60 months
|
8.25%
|
8.589%
|
$20.40
|
|
*Interest rate for a 36 month loan is 8.25% with an Annual Percentage Rate of 8.789% and a monthly payment per $1,000 borrowed of $31.45. Interest rate for a 48 month loan is 8.25% with an APR of 8.666% and a monthly payment per $1,000 borrowed of $24.53. Interest rate for a 60 month loan is 8.25% as disclosed above with an APR of 8.589% and a monthly payment per $1,000 borrowed of $20.40. Loans are subject to credit approval. Posted rates require Autodraft from an FNCB account, otherwise rates will be increased by .25%.
**All APRs are based on a $5,000 loan amount with a $50 document preparation fee. The minimum loan amount is $1,500.
Deposit Rates
Checking Account Rates
|
Rates and APYs are accurate as of December 19, 2022 and are subject to change without notice.
|
Type of Account
|
Rate
|
APY
|
|---|
Performance Checking Accounts
|
Senior Checking
|
0.01%
|
0.01%1
|
|
Wow Relationship Checking $0.00-$5,000
Wow Relationship Checking $5,000.01 and over
|
3.93%
0.25%
|
4.00%2
4.00%-0.41%2
|
|
Wow Maximum Earnings $0.00-$5,000
Wow Maximum Earnings $5,000.01 and over
|
3.93%
0.25%
|
4.00%2
4.00%-0.41%2
|
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 0.25% interest rate on the portion of the balance over $5,000, resulting in a range from 4.00% to 0.41% APY depending on the balance. This range assumes a $5,000.01 - $110,000 account balance, although higher balances are accepted.
|
Savings Account Rates
|
Rates and APYs are accurate as of November 3, 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
|
0.15%
|
0.15%
|
|
$50,000-$99,999.99
|
0.20%
|
0.20%
|
|
$100,000 and over
|
0.30%
|
0.30%
|
* 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.
|
Money Market Account Rates
|
Rates and APYs are accurate as of February 28, 2023 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
|
0.15%
|
0.15%
|
|
$100,000-$249,999.99
|
0.50%
|
0.50%
|
|
$250,000-$499,999.99
|
0.65%
|
0.65%
|
|
$500,000.00 and over
|
0.75%
|
0.75%
|
|
Balance
|
Rate
|
APY*
|
|---|
Simply Money Market Account - Business
|
$0.00-$2,499.99
|
0.00%
|
0.00%
|
|
$2,500.00-$99,999.99
|
0.43%
|
0.43%
|
|
$100,000-$249,999.99
|
0.87%
|
0.87%
|
|
$250,000-$499,999.99
|
0.87%
|
0.87%
|
|
$500,000.00-$999,999.99
|
1.29%
|
1.30%
|
|
$1,000,000.00-$2,499.999.99
|
1.71%
|
1.72%
|
| $2,500.000.00-$4,999,999,99 |
2.13% |
2.15% |
| $5,000,000.00-$7,499,999.99 |
3.50% |
3.56% |
| $7,500,000.00 and over |
3.55% |
3.61% |
|
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
|
0.43%
|
0.43%
|
|
$25,000.00 to $49,999.99
|
0.43%
|
0.43%
|
|
$50,000.00 to $99,999.99
|
0.65%
|
0.65%
|
|
$100,000.00 to $249,999.99
|
0.87%
|
0.87%
|
|
$250,000.00 to $499,999.99
|
1.07%
|
1.08%
|
| $500,000.00 to $999,999.99 |
1.29% |
1.30% |
| $1,000,000.00 and over |
2.13% |
2.15% |
*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.
|
CD & IRA Account Rates
|
Rates and APYs are accurate as of April 25, 2023 and are subject to change without notice.
|
Type of Account
|
Rate
|
APY*
|
|---|
Fixed Rate CDs & IRAs
|
3 Month Certificate of Deposit
|
0.15%
|
0.15%
|
|
6 Month Certificate of Deposit
|
0.25%
|
0.25%
|
|
12 Month Certificate of Deposit
|
0.50%
|
0.50%
|
|
1 Year Add-On CD--$500.00 to $999.99
|
0.10%
|
0.10%**
|
|
1 Year Add-On CD--$1,000.00 to $250,000.00
|
0.20%
|
0.20%**
|
|
18 Month Certificate of Deposit
|
0.50%
|
0.50%
|
|
24 Month Certificate of Deposit
|
0.50%
|
0.50%
|
|
36 Month Certificate of Deposit
|
0.60%
|
0.60%
|
|
48 Month Certificate of Deposit
|
0.75%
|
0.75%
|
|
60 Month Certificate of Deposit
|
1.00%
|
1.00%
|
|
Balance
|
Rate
|
APY*
|
|---|
Relationship CD 6 Month
Available for Wow Relationship Checking Account holders
|
$0.00 to $49,999.99
|
0.40%
|
0.40%
|
|
$50,000.00 and over
|
0.90%
|
0.90%
|
|
Balance
|
Rate
|
APY*
|
|---|
Relationship CD 12 Month
Available for Wow Relationship Checking Account holders
|
$0.00 to $49,999.99
|
1.49%
|
1.50%
|
|
$50,000.00 and over
|
1.99%
|
2.00%
|
|
Balance
|
Rate
|
APY*
|
|---|
Relationship CD 18 Month
Available for Wow Relationship Checking Account holders
|
$0.00 to $49,999.99
|
1.49%
|
1.50%
|
|
$50,000.00 and over
|
1.99%
|
2.00%
|
|
Balance
|
Rate
|
APY*
|
|---|
Relationship CD 30 Month
Available for Wow Relationship Checking Account holders
|
$0.00 to $49,999.99
|
1.49%
|
1.50%
|
|
$50,000.00 and over
|
1.99%
|
2.00%
|
|
Balance
|
Rate
|
APY*
|
|---|
Relationship CD 60 Month
Available for Wow Relationship Checking Account holders
|
$0.00 to $49,999.99
|
1.49%
|
1.50%
|
|
$50,000.00 and over
|
1.99%
|
2.00%
|
* 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
|
|
