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      Competitive variable interest rate

    • Stack of Money

      Interest only payments on outstanding balance

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      Flexible credit amounts available

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      Free online and phone banking

  • Enjoy Real Flexibility:

    A Secured Line of Credit from FNB1 gives you the flexibility to borrow up to your credit limit at any time. Whether you use your line for overdraft protection or just as a cushion for those unexpected expenses, a line of credit provides you the borrowing power you need to help meet life's financial demands.

    How a Secured Line of Credit works:

    A Secured Line of Credit allows you to borrow up as much as you need, at any time, up to a certain amount - unlike an installment loan which is for a specific dollar amount. As you repay your outstanding balance, the amount of available credit is replenished, meaning you can borrow against it again and again. With this type of loan, you only pay interest on the amount you use. Because you pledge your FNB Savings Account or Certificate of Deposit as collateral for the loan2, we can generally offer higher limits and a lower rate than other forms of borrowing.

    Key Features:

    • Secured with an FNB Savings Account or Certificate of Deposit2
    • Flexibility to borrow as needed - repay - and borrow again up to your credit limit3
    • Borrow up to $250,0004
    • Variable interest rate tied to the U.S. Prime Rate5
    • Access your funds via check or online transfer

    Great For:

    • Providing overdraft protection for your checking account
    • Covering unexpected expenses
    • Providing liquidity to bridge the gap between when your bills are due and when you get paid
  • Qualifying for a Secured Line of Credit:

    FNB uses credit score, employment history, monthly debt payments and income among other factors when considering whether or not to approve your application.

    The Borrowing Process:

    Our objective is to make the borrowing process simple and straightforward. To apply for a Secured Line of Credit, you will want to have the following information available for your branch visit:

    Required Identification:

    • A non-expired ID (driver’s license, state-issued ID, Military ID, passport, or Permanent Resident Card and visa)

    Getting Prepared:

    While you won't need this for your initial visit to start the application process, as we evaluate your application, we may ask you for additional pieces of information. You may be asked:

    • To verify your income
    • To provide bank statements
    • To provide tax documents

With any account, you also get the latest in digital technology:

Compare all accounts. This comparison chart makes it easy to compare all of our borrowing options.

Browse all

Compare all accounts. This comparison chart makes it easy to compare all of our borrowing options.

Compare all

Still not sure? Answer a few quick questions to help you find the right borrowing option.

Help me decide

Still not sure? Answer a few quick questions to help you find the right borrowing option.

Help me decide

Products With You In Mind

FNB offers a full breadth of products and services for your needs.

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Notices & Disclosures
1 - All loan products are subject to credit approval. 
2 - Other forms of collateral may be available for Private Bank customers.
3 - During the draw period
4 - Subject to credit and collateral evaluation
5 - U.S. Prime Rate as published in The Wall Street Journal

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