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Loan Options

You know what you want. We know how to help you get it.

Flexible terms. Affordable rates. Two ways we can help you make a special purchase or cover unanticipated expenses. All of our personal loans offer a choice of convenient payment methods, including mail, at a branch, online, or automatic debit from your deposit account.

Lending Solutions

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  1. Home Equity Installment Loan

    Home Equity Installment Loan box

    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.
  2. Home Equity Line of Credit

    Home Equity Line of Credit box

    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 rate
    • Only pay interest on the amount you use2
  3. Unsecured Installment Loan

    Unsecured Installment Loans

    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 available3
    • Provides immediate buying power
  4. Secured Installment Loan

    Secured Installment Loan box

    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 $250,0004
    • Multiple repayment terms available5
  5. Unsecured Line of Credit

    Unsecured Line of Credit Loan box

    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
  6. Automobile Loans

    Automobile Loan box

    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 terms6
    • Discounted rate with automatic payments7

  7. Recreational Vehicle Loans

    Recreational Vehicle Loan box

    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 terms8
    • Borrow $25,000 - $75,000
  8. Boat/Yacht Loans

    Boat/Yacht Loan box

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

    • Flexible terms available9
    • Borrow from $25,000 - $125,000
    • Attractive fixed interest rate
  9. Secured Line of Credit

    Secured Line of Credit Loan box

    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
  10. FNB SmartRewardsSM Credit Card

    FNB SmartRewards Credit Card

    It's never been easier to score valuable rewards. Earn 1 point for every $1 spent on qualified purchases. Redeem for top name-brand merchandise, gift cards, cruises, car rentals, vacation packages and more!

    • Earn points on qualifying purchases
    • No limit on points earned10
    • Redeem points for travel, merchandise, and more
  11. FNB SmartCashSM Credit Card

    FNB Smartcash Credit Card

    Use your FNB SmartCashSM Card1 to make everyday purchases and watch the cash rewards add up. Earn 2% cash back rewards on all qualified purchases.2 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.3,4

    • Earn cash back2
    • No limit on cash back3
    • Redeem for gift cards
  12. FNB SmartRateSM Credit Card

    FNB SmartRate Credit Card

    With 0% introductory APR5 for the first 12 months and a variable APR of 17.24% - 25.24%1 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.5

    • Save with lower rates on purchases1
    • Save with lower rates on balance transfers1
    • No annual fee.5
  13. Penguins® Cash Back Credit Card

    Penguins Credit Card

    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 discounts10 on all purchases made at any of the PensGear retail shops.

    • Earn cash back
    • Swipe and contactless
    • No annual fee12

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

Help me decide
Notices & Disclosures

1- All loan products are subject to credit approval.
2- Interest may be deductible; check with your tax advisor.
3- Minimum term applies for any unsecured installment loan. Maximum term varies by loan amount.
4- Subject to credit and collateral evaluation.
5- Minimum term applies.
6- Available terms vary based upon automobile age and your credit score.
7- Interest rate discount is available when you set up automatic monthly payments from an FNB account.
8- Available terms based upon the type of vehicle and loan amount.
9- Available terms vary based upon loan amount, collateral type and condition.
10- Points can be used to order only the awards ("Award(s)") available in the current Program. You may select awards from any level, as long as you have a sufficient number of points available in your account as of the date your redemption is processed.
11- View the FNB SmartRate Credit Care Pricing Information.
12- Learn more about FNB's Penguins® Cash Back Credit Card Pricing Information.

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