Loan Rates

* Annual Percentage Rate: Annual Percentage Rate (APR) shown is available as of March 20, 2026, to well qualified applicants for variable rate lines of credit of $25,000 or more secured by single-family owner occupied residential property. A line amount of $25,000 is eligible for Prime – 1.25% (5.50% APR), a line amount of $50,000 is eligible for Prime – 1.25% (5.50% APR), and a line amount of $100,000 is eligible for Prime – 1.25% (5.50% APR), and a line amount of $150,000 is eligible for Prime – 1.25% (5.50% APR). The APRs shown are available on 89.99% combined loan to value. 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 to Prime minus 1.25% for $150,000 or more lines of credit, minus 1.25% for $100,000 lines of credit, minus 1.25% for $50,000 lines of credit or minus 1.25% for $25,000 lines of credit but will never exceed the applicable state maximum rate which is 24% in District of Columbia, 18% in Maryland, Ohio, South Carolina, West Virginia, Virginia, 16% in North Carolina, and 15% in Pennsylvania. This offer is subject to geographical limitations as determined by First National Bank. As of December 11, 2025, the Wall Street Journal’s Prime Rate is 6.75%. 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 FNB 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 Offer may be withdrawn at any time without notice.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

** - Important Account Disclosures: Annual Percentage Rate (APR) shown is available for well qualified applicants as of March 20, 2026 for a fixed rate automobile loan and reflects a 0.25% interest rate discount for automatic payments from a FNB deposit account. Your APR may be higher and will be based on your credit qualifications, loan amount, repayment term, model year, and if you elect the automatic payment feature from an FNB deposit account. All APRs and estimated monthly payments are based upon a $10,000 loan amount. Offer available in the following states: PA, OH, MD, VA, WV, NC, SC and District of Columbia. Payment example does not include insurance premiums and reflects the maximum term. Credit is subject to approval. Rates, terms, and conditions are subject to change without notice at any time.

1 - Maximum term length of 24 months for credit amount $2,500-$3,500
2 - Annual Percentage Rate (APR) shown is available for well qualified applicants as of March 20, 2026 for a fixed rate unsecured installment loan and reflects a 0.25% interest rate discount for automatic payments from a FNB deposit account.  Your APR may be higher and will be based on your credit qualifications, loan amount, repayment term, and if you elect the automatic payment feature from an FNB deposit account.  All APRs and estimated monthly payments are based upon maximum loan amount and term in each tier.  Offer available in the following states: PA, OH, MD, VA, WV, NC, SC, and District of Columbia. 

Credit is subject to approval. Rates, terms and conditions are subject to change without notice at any time.

*Physicians Education Refinance Loan Disclosure