Notices & Disclosures
1 - Offer valid after conversion only. Mortgage application must be dated no later than February 28, 2023. You must mention the offer code to the mortgage officer at the time of application in order to receive
$250 off closing costs.
2 - Open a NEW certificate of deposit special (CD Special Terms of 7-month, 13-month, 19-month, 25-month, 35-month, 52-month and 61-month Terms) and meet the conditions set forth below to receive the promotional 0.25% increase. The offer is subject to change at any time without notice. Offer applies to consumer and business accounts only. To be eligible for the promotional 0.25% Annual Percentage Yield (APY) increase, you must meet the following conditions: 1) make a minimum opening deposit of $5,000 and 2) have an existing First National Bank (FNB) consumer or business checking account OR open a NEW FNB consumer or business checking account. This promotional rate cannot be combined with other offers. The promotional interest rate is limited to one account per household and is available on account balances of $5,000 up to $250,000. A penalty may be imposed for early withdrawals. Fees could reduce earnings on the account. See the Consumer or Business Fee Schedules, which are available at any FNB branch, for further information on fees applicable to your accounts. This promotional interest rate is not available for public funds. Offer is subject to withdrawal by FNB at any time. Offer available in-branch only for the following states: North Carolina. Offer available through February 28, 2023.
3 - Annual Percentage Rate: Annual Percentage Rate (APR) shown is available as of November 3, 2022, 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% (6.74% APR); a line amount of $50,000 is eligible for Prime minus 0.51% (6.49% APR); a line amount of $100,000 is eligible for Prime minus 0.96% (6.04% APR); and a line amount of at least $150,000 is eligible for Prime minus 1.01% (5.99% 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 November 3, 2022, The Wall Street Journal’s Prime Rate is 7.00%. 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. Offer valid in-branch only. First National Bank Home Equity Line of Credit application must be on file by February 28, 2023.
4 - Products and services offered through F.N.B. Wealth Management are not FDIC insured and are not deposits or obligations of/or guaranteed by F.N.B. Corporation or its affiliates. Not insured by any Federal Government Agency. These products are subject to investment risks including possible loss of principal.
5 - Insurance products are sold by First National Insurance Agency, LLC and its licensed agents. Insurance products are not insured by the FDIC or any other government agency, not a deposit of, or guaranteed by F.N.B. Corporation or its affiliates. May lose value (if product involves an investment risk).
