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Home Lending Rates

Mortgage, Home Equity, Wow Mortgage & Lot Loan Rates

 

For additional loan rates, please contact your local FNCB Bank Community Office.

Home Equity Line of Credit with Carve Out

4.75% 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 4.75% 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 June 16, 2022 and subject to change without notice. All loans subject to credit approval. 

Click here for a full disclosure

Consumer Loans Rates

New Car Loan Rates

Rates and APRs are accurate as of Thursday, June 16, 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

4.090%

4.421%

$29.56

2022-2021

48 Months

4.190%

4.444%

$22.66

2022-2021

75 Months

5.090%

5.257%

$15.59

2022-2021

84 Months

5.140%

5.289%

$14.20

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 4.09% as disclosed above to 8.39% with an APR of 8.732% and a monthly payment per $1,000 borrowed of $31.52. Interest rates for 48 month loans range from 4.19% as disclosed above to 9.64% with an APR of 9.902% and a monthly payment per $1,000 borrowed of $25.19. Interest rates for 75 month loans range from 5.09% as disclosed above to 9.64% with an APR of 9.815% and a monthly payment per $1,000 borrowed of $17.80. Interest rates for 84 month loans range from 5.14% as disclosed above to 6.09% with an APR of 6.243% and a monthly payment per $1,000 borrowed of $14.65. Interest rates for 36 month loans range from 4.09% as disclosed above to 8.39% with an APR of 8.732% and a monthly payment per $1,000 borrowed of $31.52. Interest rates for 48 month loans range from 4.19% as disclosed above to 9.64% with an APR of 9.902% and a monthly payment per $1,000 borrowed of $25.19. Interest rates for 75 month loans range from 5.09% as disclosed above to 9.64% with an APR of 9.815% and a monthly payment per $1,000 borrowed of $17.80. Interest rates for 84 month loans range from 5.14% as disclosed above to 6.09% with an APR of 6.243% and a monthly payment per $1,000 borrowed of $14.65.

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

Used Car Loan Rates

Rates and APRs are accurate as of Thursday, June 16, 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

4.190%

4.521%

$29.61

2020-2021

48 Months

4.290%

4.544%

$22.71

2020-2021

75 Months

5.090%

5.257%

$15.59

2020-2021

84 Months

5.240%

5.389%

$14.25

2019

36 Months

4.290%

4.622%

$29.65

2019

48 Months

4.390% 

4.645% 

$22.75

2019

75 Months

5.190% 

5.357% 

$15.64

2019

84 Months

5.340%

5.490%

$14.29

2018

36 Months

4.990%

5.325%

$29.97

2018

48 Months

5.190% 

5.444% 

$23.12

2018

75 Months

5.540%

5.709%

$15.81

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 4.19% as disclosed above to 8.49% with an APR of 8.830% and a monthly payment per $1,000 borrowed of $31.56. Interest rates for 48 month loans for a 2020-2021 used vehicle range from 4.29% as disclosed above to 9.84% with an APR of 10.103% and a monthlypayment per $1,000 borrowed of $25.29. Interest rates for 75 month loans for a 2020-2021 used vehicle range from 5.09% as disclosed above to 9.84% with an APR of 10.016% and a monthly payment per $1,000 borrowed of $17.90. Interest rates for 84 month loans for a 2020-2021 used vehicle range from 5.24% as disclosed above to 6.19% with an APR of 6.344% and a monthly payment per $1,000 borrowed of $14.70. Interest rates for 36 month loans for a 2019 used vehicle range from 4.29% as disclosed above to 8.59% with an APR of 8.928% and a monthly payment per $1,000 borrowed of $31.61. Interest rates for 48 month loans for a 2019 used vehicle range from 4.39% as disclosed above to 9.94% with an APR of 10.203% and a monthly payment per $1,000 borrowed of $25.33. Interest rate for 75 month loans for a 2019 used vehicle range from 5.19% as disclosed above to 9.94% with an APR of 10.117% and a monthly payment per $1,000 borrowed of $17.95. Interest rates for 84 month loans for a 2019 used vehicle range from 5.34% as disclosed above to 6.44% with an APR of 6.593% and a monthly payment per $1,000 borrowed of $14.80. Interest rates for 36 month loans for a 2018 used vehicle range from 4.99% as disclosed above to 9.49% with an APR of 9.833% and a monthly payment per $1,000 borrowed of $32.03. Interest rates for 48 month loans for a 2018 used vehicle range from 5.19% as disclosed above to 9.49% with an APR of 9.751% and a monthly payment per $1,000 borrowed of $25.12. Interest rates for 75 month loans for a 2018 used vehicle range from 5.54% as disclosed above to 6.04% with an APR of 6.207% and a monthly payment per $1,000 borrowed of $16.04.

**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

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

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 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

60 months

8.140%

8.567%

$20.34

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.

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%

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

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

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.

Savings Account Rates

Rates and APYs are accurate as of June 29, 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

0.05%

0.05%

$50,000-$99,999.99

0.10%

0.10%

$100,000 and over

0.15%

0.15%

* 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 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

0.10%

0.10%

$250,000-$499,999.99

0.10%

0.10%

$500,000.00 and over

0.15%

0.15%

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

0.10%

0.10%

$25,000.00 to $49,999.99

0.10%

0.10%

$50,000.00 to $99,999.99

0.10%

0.10%

$100,000.00 to $249,999.99

0.20%

0.20%

$250,000.00 to $499,999.99

0.20%

0.20%

$500,000.00 and over 0.25% 0.25%

*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 Wednesday, June 29, 2022 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

0.20%

0.20%

12 Month Certificate of Deposit

0.25%

0.25%

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

0.30%

0.30%

24 Month Certificate of Deposit

0.35%

0.35%

36 Month Certificate of Deposit

0.50%

0.50%

48 Month Certificate of Deposit

0.70%

0.70%

60 Month Certificate of Deposit

0.90%

0.90%

Balance

Rate

APY*

Relationship CD 6 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 12 Month
Available for Wow Relationship Checking Account holders

$0.00 to $49,999.99

0.30%

0.30%

$50,000.00 and over

0.35%

0.35%

Balance

Rate

APY*

Relationship CD 18 Month
Available for Wow Relationship Checking Account holders

$0.00 to $49,999.99

0.35%

0.35%

$50,000.00 and over

0.40%

0.40%

Balance

Rate

APY*

Relationship CD 30 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%

Balance

Rate

APY*

Relationship CD 60 Month
Available for Wow Relationship Checking Account holders

$0.00 to $49,999.99

0.95%

0.95%

$50,000.00 and over

1.00%

1.00%

* 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

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