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.
*NC/SC Residents
* Annual Percentage Rate: Annual Percentage Rate (APR) shown is available as of March 23, 2023, to qualified applicants for variable rate lines of credit secured by single-family owner-occupied residential property. After the 1.99% APR 90 day introductory period, the APR will be a variable rate based on The Wall Street Journal’s Prime Rate. After the introductory period ends, any and all remaining balances will automatically convert to the variable APR per the terms of the Home Equity Line of Credit agreement. A line of credit (line) amount of $25,000 is eligible for Prime minus 0.26% (7.74% APR); a line amount of $50,000 is eligible for Prime minus 0.51% (7.49% APR); a line amount of $100,000 is eligible for Prime minus 0.96% (7.04% APR); and a line amount of at least $150,000 is eligible for Prime minus 1.01% (6.99% APR). The APRs shown are available on 85% combined loan-to-value ratio. Refinancing of any First National Bank loan requires an increase of $25,000. Interest rate will vary as The Wall Street Journal’s Prime Rate changes but will never exceed the applicable state maximum rate, which is 18% in South Carolina and 16% in North Carolina. This offer is subject to geographical limitations as determined by First National Bank. As of March 23, 2023, The Wall Street Journal’s Prime Rate is 8.00%. Consult with a tax advisor to determine whether the interest you pay is tax deductible. Your APR may be higher based on the prevailing variable rate index value, your credit qualifications, the amount of your credit line, combined loan to value, whether you elect the automatic payment feature from a First National Bank checking account, and/or property type. Insurance: Property insurance is required. Title Insurance is required on lines of $500,000 or more at borrower expense. Flood insurance may be required. Annual Fee: Annual fee of $50 charged each anniversary date may apply. Early Termination Fee: Early termination fee of $350 may be assessed if line is closed within the first three years. LockOption Fee: LockOption fee of $75 for each lock. If the LockOption feature is requested, your payment must be automatically deducted from a First National Bank deposit account and cannot be cancelled. Offer may be withdrawn at any time without notice. Approval subject to credit qualifications. Other terms available at different rates. First National Bank NMLS# 766529. First National Bank Home Equity Line of Credit application must be on file by May 31, 2023.
*PA/OH/MD/WV/VA/DC Residents
* Annual Percentage Rate: Annual Percentage Rate (APR) shown is available as of March 23, 2023, to qualified applicants for variable rate lines of credit secured by single-family owner-occupied residential property. After the 1.99% APR 90 day introductory period, the APR will be a variable rate based on The Wall Street Journal’s Prime Rate. After the introductory period ends, any and all remaining balances will automatically convert to the variable APR per the terms of the Home Equity Line of Credit agreement. A line of credit (line) amount of $25,000 is eligible for Prime minus 0.26% (7.74% APR); a line amount of $50,000 is eligible for Prime minus 0.51% (7.49% APR); a line amount of $100,000 is eligible for Prime minus 0.76% (7.24% APR); and a line amount of at least $150,000 is eligible for Prime minus 1.01% (6.99% APR). The APRs shown are available on 85% combined loan-to-value ratio. Refinancing of any First National Bank loan requires an increase of $25,000. Interest rate will vary as The Wall Street Journal’s Prime Rate changes but will never exceed the applicable state maximum rate, which is 24% in District of Columbia, 18% in Maryland, Ohio, West Virginia, Virginia, and 15% in Pennsylvania. This offer is subject to geographical limitations as determined by First National Bank. As of March 23, 2023, The Wall Street Journal’s Prime Rate is 8.00%. Consult with a tax advisor to determine whether the interest you pay is tax deductible. Your APR may be higher based on the prevailing variable rate index value, your credit qualifications, the amount of your credit line, combined loan to value, whether you elect the automatic payment feature from a First National Bank checking account, and/or property type. Insurance: Property insurance is required. Title Insurance is required on lines of $500,000 or more at borrower expense. Flood insurance may be required. Annual Fee: Annual fee of $50 charged each anniversary date may apply. Early Termination Fee: Early termination fee of $350 may be assessed if line is closed within the first three years. LockOption Fee: LockOption fee of $75 for each lock. If the LockOption feature is requested, your payment must be automatically deducted from a First National Bank deposit account and cannot be cancelled. Offer may be withdrawn at any time without notice. Approval subject to credit qualifications. Other terms available at different rates. First National Bank NMLS# 766529. First National Bank Home Equity Line of Credit application must be on file by May 31, 2023.
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