Rate Center

Rates and APRs are accurate as of Wednesday, November 6, 2019 and are subject to change without notice.

* Your choice of a loan term and loan origination fee (points) will determine the applicable interest rate. These rates apply to the purchase or refinance of 1-4 family owner-occupied residential properties with a 20% down payment. The maximum loan amounts depend on the number of units in the home. Additional fees may apply. Loans are subject to credit approval.

**All APRs are based on a $100,000 loan amount. APRs for 180 month loans range from 3.343% as disclosed above to 2.985% with a monthly payment per $1,000 borrowed of $6.79. APRs for 240 month loans range from 3.700% as disclosed above to 3.310% with a monthly payment per $1,000 borrowed of $5.61. APRs for 360 month loans range from 3.804% as disclosed above to 3.382% with a monthly payment per $1,000 borrowed of $4.35.

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

*APRs for 60 month loans range from 3.380% as disclosed above to 3.880% with a monthly payment per $1,000 borrowed of $18.36. APRs for 120 month loans range from 3.502% as disclosed above to 34.002% with a monthly payment per $1,000 borrowed of $10.48. APRs for 180 month loans range from 4.127% as disclosed above to 4.502% with a monthly payment per $1,000 borrowed of $7.65.

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

* Fixed rate for the first six months is available for applicants meeting specific credit criteria and $10,000 new money requirement

.** Annual Percentage Rates include only interest and no other costs. APRs for Home Equity Lines of Credit (HELOC) range from the Wall Street Journal National Prime Rate minus 0.25% to the Wall Street Journal National Prime Rate plus 0.50% and floor rates apply. Your interest rate and APR will be determined based on a review of your credit application. Annual Percentage Rate is subject to change one time each month dependent on changes in the Wall Street Journal National Prime Rate. The minimum rate for all Home Equity Lines of Credit is 4.50%. The maximum rate for all Home Equity Lines of Credit is 18.00%.

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

2. The minimum loan amount under this program is $10,000. Certain restrictions regarding the property to be mortgaged apply. You must carry insurance on the property that secures this loan.

3. Fees and charges associated with opening and maintaining a Home Equity Line of Credit are:
Document Preparation Fee: waived.
Annual Recurring Fee: $50.00 (due each year during draw period.)
Returned Items Fee: $35.00
Fee to Stop Payment: $35.00
Late Fees: If you do not make a full payment within 15 days after the date it is due, we will charge a late fee of 10.00% of the scheduled payment of principle and interest.
You also must pay certain fees to third parties to open a line. These fees generally total between $850 and $1,285. If you ask, we will give you an itemization of the fees you will have to pay to third parties.

Rates and APRs are accurate as of Tuesday, October 29, 2019 and are subject to change without notice.

Rates shown apply to loan amounts up to 80% of the value of a one-to-four family owner occupied primary residence or vacation property primarily in the northeast region of the US. The minimum loan amount under this program is $25,000. Loans are subject to credit approval. Posted rates require autodraft from an FNCB Bank account, otherwise rates will be increased by 0.25%.

*APRs for 90 month loans range from 3.128% as disclosed above to 3.378% with a monthly payment per $1,000 borrowed of $12.59. APRs for 120 month loans range from 3.252% as disclosed above to 3.502% with a monthly payment per $1,000 borrowed of $9.89. APRs for 174 month loans range from 3.502% as disclosed above to 3.752% with a monthly payment per $1,000 borrowed of $7.46. APRs for 234 month loans range from 4.000% as disclosed above to 4.251% with a monthly payment per $1,000 borrowed of $6.29.

Rates and APRs are accurate as of Friday, November 1, 2019 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 63 month loans range from 4.690% as disclosed above to 8.640% with an APR of 8.842% and a monthly payment per $1,000 borrowed of $19.80. Interest rates for 75 month loans range from 5.040% as disclosed above to 9.690% with an APR of 9.866% and a monthly payment per $1,000 borrowed of $17.83. Interest rates for 84 month loans range from 5.740% as disclosed above to 5.840% with an APR of 5.992% and a monthly payment per $1,000 borrowed of $14.53.

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

Rates and APRs are accurate as of Friday, November 1, 2019 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 63 month loans for a 2018-2019 used vehicle range from 4.690% as disclosed above to 8.740% with an APR of 8.943% and a monthly payment per $1,000 borrowed of $19.85. Interest rates for 75 month loans for a 2018-2019 used vehicle range from 5.040% as disclosed above to 10.090% with an APR of 10.268% and a monthly payment per $1,000 borrowed of $18.03. Interest rates for 84 month loans for a 2018-2019 used vehicle range from 5.740% as disclosed above to 5.840% with an APR of 5.992% and a monthly payment per $1,000 borrowed of $14.53. Interest rates for 63 month loans for a 2017 used vehicle range from 4.790% as disclosed above to 8.840% with an APR of 9.043% and a monthly payment per $1,000 borrowed of $19.90. Interest rates for 72 month loans for a 2017 used vehicle range from 5.140% as disclosed above to 10.190% with an APR of 10.373% and a monthly payment per $41,000 borrowed of $18.39.  Interest rates for 63 month loans for a 2013 used vehicle range from 5.440% as disclosed above to 9.740% with an APR of 9.948% and a monthly payment per $1,000 borrowed of $20.34.

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

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, October 1, 2019 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 8.24% 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 8.74% 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 9.24% 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 Thursday, September 12, 2019 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 0.35% interest rate on the portion of the balance over $5,000, resulting in a range from 2.75% to 0.45% 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 Thursday, September 12, 2019 and are subject to change without notice.

*Balances over $25,000 in Wow Saver earn 0.35% interest rate on the portion of balance over $25,000, resulting in a range from 0.75% - 0.42% 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.

Holiday & Vacation Clubs

50 week term. Minimum deposit required to open account $5.00. Minimum balance required to earn APY:$.01. Penalty may be imposed for early withdrawal. Automatically renewable.

Rates and APYs are accurate as of Tuesday, October 1, 2019 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, October 1, 2019 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.