Loan Options

Ideal for home improvements, college tuition, debt consolidation or other large, one-time purchases.

• Borrow up to 85% of the value of your home¹
• Fixed, affordable interest rate²
• Discount available for automatic payment from an FNB deposit account.

A Home Equity Line of Credit from FNB is a credit line which helps you access the equity in your home to provide a re-usable source of financing to help meet your financial objectives.

• Flexibility to borrow over and over
• Variable interest rate with option to lock in a fixed rate³
• Only pay interest on the amount you use²

Ideal for home improvements, college tuition, debt consolidation or other large, one-time purchases.

• Borrow up to $750,000¹
• Flexible repayment terms
• Consideration given to FICO scores as low as 640

A Home Equity Line of Credit from FNB is a credit line which helps you access the equity in your home to provide a re-usable source of financing to help meet your financial objectives.

• Lines of credit up to $750,000¹
• Flexibility to borrow repeatedly
• Only pay interest on the amount you use²

An easy way to borrow the money you need without having to use your home or other assets as collateral for the loan.

• No need to pledge your personal assets
• Multiple repayment terms available⁴
• Provides immediate buying power

Experience the flexibility of a Secured Installment Loan from FNB. Secured loans generally have higher borrowing limits and lower rates than other borrowing options.

• Generally lower interest rate than unsecured loans
• Borrow up to $250,000⁵
• Multiple repayment terms available⁶

An easy way to borrow the money you need without using your home or personal residence as collateral for the loan. Gain access to your funds immediately as you need them.

• Competitive variable interest rate
• No collateral required
• Access funds through check or transfer

A variable rate loan that allows you instant access to your funds as you need it. Pay interest only on the amount of the line you use. Lines are secured by an FNB Savings account as collateral.

• Competitive variable interest rate
• Interest-only payments on outstanding balance
• Flexible credit amounts available

With a simple application, fast processing and competitive rates, auto loans from First National Bank are some of the best on the road.  

• Offered for new and used vehicles
• Flexible repayment terms⁷
• Discounted rate with automatic payments⁸

Road trip until your heart is content with a new or used motor home or travel trailer and an RV Loan from FNB.

• For motor homes and travel trailers
• Flexible repayment terms⁹
• Borrow $25,000 - $75,000

It's easy to keep above water with a loan from FNB.

• Flexible terms available¹⁰
• Borrow from $25,000 - $125,000
• Attractive fixed interest rate

Earn cash back purchases you make every day with your FNB SmartCash^SM Card.¹ Earn 2% cash back rewards on all qualified purchases.¹¹ Enjoy the flexibility to either redeem the rewards directly into your FNB checking account, or turn them into gift cards for a vast array of popular retailers and services.¹²

• Earn cash back¹¹
• No limit on cash back¹²
• Redeem for gift cards

With 0% introductory APR¹³ for the first 12 months and a variable APR of 17.24% - 25.24%¹³ after based on your creditworthiness, you'll save with lower rates. Even if you carry a balance, start paying less from day one. See important pricing information below.¹³

• Save with lower rates on purchases¹
• Save with lower rates on balance transfers¹
• No annual fee.¹³

Whether you’re looking to establish credit for the first time or you need to repair a poor credit score, the FNB SmartSecured Credit Card¹ can put you on the road to a successful financial future. With an FNB Savings Account deposit equal to your credit limit ($500– $25,000), it works just like other credit cards.

• Build up your credit history
• Competitive interest rates
• No annual fee¹⁴

It's never been easier to score valuable rewards. Just use your FNB SmartRewards^SM Credit Card¹ to make everyday purchases and watch the rewards add up. Earn 1 point for every $1 spent on qualified purchases.¹⁵ Redeem for top name-brand merchandise, gift cards, cruises, car rentals, vacation packages and more!^16,17

• Earn points on qualifying purchases
• No limit on points earned¹⁶
• Redeem points for travel, merchandise, and more

Our Penguins®-branded Visa credit card is designed for Pens fans who value simplicity; no rotating or tiered reward categories. You can earn 2% cash back on all qualified purchases. You also receive discounts on tickets to Penguins games and 15% merchandise discounts¹⁸ on all purchases made at any of the PensGear retail shops.

• Earn cash back^11,12
• Swipe and contactless
• No annual fee¹⁹