Rate Center

Rates and APRs are accurate as of Monday, December 11, 2023 and are subject to change without notice.

Up to 120% of financing available. Loan subject to credit approval. Other interest rates and APRs apply to loans with different repayment terms and conditions. Your final interest rate and APR will be determined based on a review of your credit application.

*Interest rates for 36 month loans range from 6.59% as disclosed above to 10.89% with an APR of 11.235% and a monthly payment per $1,000 borrowed of $32.69. Interest rates for 48 month loans range from 6.69% as disclosed above to 12.14% with an APR of 12.409% and a monthly payment per $1,000 borrowed of $26.40. Interest rates for 75 month loans range from 7.99% as disclosed above to 12.14% with an APR of 12.323% and a monthly payment per $1,000 borrowed of $19.09. Interest rates for 84 month loans range from 8.49% as disclosed above to 8.84% with an APR of 8.998% and a monthly payment per $1,000 borrowed of $16.01.

**All APRs are based on a $10,000 loan amount with a $50 document preparation fee.

* Posted rates require Autodraft from an FNCB account, otherwise rates will be increased by .25%.

Rates and APRs are accurate as of Monday, December 11, 2023 and are subject to change without notice.

Financing up to the amount of the NADA Book average wholesale value. Loan subject to credit approval. Other interest rates and APRs apply to loans with different repayment terms and conditions. Your final interest rate and APR will be determined based on a review of your credit application.

*Interest rates for 36 month loans for a 2022-2023 used vehicle range from 6.69% as disclosed above to 10.99% with an APR of 11.335% and a monthly payment per $1,000 borrowed of $32.73. Interest rates for 48 month loans for a 2022-2023 used vehicle range from 6.99% as disclosed above to 12.34% with an APR of 12.610% and a monthly payment per $1,000 borrowed of $26.50. Interest rates for 75 month loans for a 2022-2023 used vehicle range from 7.99% as disclosed above to 12.34% with an APR of 12.522% and a monthly payment per $1,000 borrowed of $19.19. Interest rates for 84 month loans for a 2022-2023 used vehicle range from 8.59% as disclosed above to 8.94% with an APR of 9.098% and a monthly payment per $1,000 borrowed of $16.06. Interest rates for 36 month loans for a 2021 used vehicle range from 6.69% as disclosed above to 11.09% with an APR of 11.436% and a monthly payment per $1,000 borrowed of $32.78. Interest rates for 48 month loans for a 2021 used vehicle range from 6.99% as disclosed above to 12.44% with an APR of 12.711% and a monthly payment per $1,000 borrowed of $26.55. Interest rate for 75 month loans for a 2021 used vehicle range from 7.99% as disclosed above to 12.44% with an APR of 12.622% and a monthly payment per $1,000 borrowed of $19.25. Interest rates for 84 month loans for a 2021 used vehicle range from 8.69% as disclosed above to 9.04% with an APR of 9.199% and a monthly payment per $1,000 borrowed of $16.11. Interest rates for 36 month loans for a 2020 used vehicle range from 7.49% as disclosed above to 11.99% with an APR of 12.335% and a monthly payment per $1,000 borrowed of $33.21. Interest rates for 48 month loans for a 2020 used vehicle range from 7.69% as disclosed above to 12.44% with an APR of 12.711% and a monthly payment per $1,000 borrowed of $26.55. Interest rates for 75 month loans for a 2020 used vehicle range from 8.34% as disclosed above to 8.64% with an APR of 8.815% and a monthly payment per $1,000 borrowed of $17.30.

**All APRs are based on a $10,000 loan amount with a $50 document preparation fee.

* Posted rates require Autodraft from an FNCB account, otherwise rates will be increased by .25%.

Rates and APRs are accurate as of Thursday, January 5, 2023 and are subject to change without notice.

*Instant Money Loans provide overdraft protection and must be tied to a FNCB Bank checking account. Loans are subject to credit approval. An annual fee of $25 will be assessed on the anniversary date.

Rates and APRs are accurate as of August 28, 2023 and are subject to change without notice.

Loans are subject to credit approval. Other interest rates and APRs apply to loans with different repayment terms and conditions. Your final interest rate and APR will be determined based on a review of your credit application.

*Interest rates for 36 month loans range from 9.39% as disclosed above to 13.49% with an APR of 14.186% and a monthly payment per $1,000 borrowed of $33.93. Interest rates for 48 month loans range from 9.89% as disclosed above to 13.99% with an APR of 14.537% and a monthly payment per $1,000 borrowed of $27.32. Interest rates for 60 month loans range from 10.39% as disclosed above to 14.49% with an APR of 14.942% and a monthly payment per $1,000 borrowed of $23.52. Posted rates require Autodraft from an FNCB account, otherwise rates will be increased by .25%.

**All APRs are based on a $5,000 loan amount with a $50 document preparation fee. The minimum loan amount is $1,500.

* Posted rates require Autodraft from an FNCB account, otherwise rates will be increased by .25%.

*Interest rate for a 36 month loan is 8.50% with an Annual Percentage Rate of 9.041% and a monthly payment per $1,000 borrowed of $31.57. Interest rate for a 48 month loan is 8.50% with an APR of 8.913% and a monthly payment per $1,000 borrowed of $24.65. Interest rate for a 60 month loan is 8.50% as disclosed above with an APR of 8.841% and a monthly payment per $1,000 borrowed of $20.52. Loans are subject to credit approval. Posted rates require Autodraft from an FNCB account, otherwise rates will be increased by .25%.

**All APRs are based on a $5,000 loan amount with a $40 document preparation fee. The minimum loan amount is $1,500.

* Posted rates require Autodraft from an FNCB account, otherwise rates will be increased by .25%.

Rates and APYs are accurate as of August 1, 2023 and are subject to change without notice.

¹Annual Percentage Yield. Rate may change after account is opened. Minimum balance required to earn APY: $1,500.00. Fees could reduce earnings on the account.

^{2Balances over $5,000 earn 0.25% interest rate on the portion of the balance over $5,000, resulting in a range from 5.00% to 0.45% APY depending on the balance. This range assumes a $5,000.01 - $110,000 account balance, although higher balances are accepted.}

Rates and APYs are accurate as of November 3, 2022 and are subject to change without notice.

*Balances over $25,000 in Wow Saver earn 0.05% interest rate on the portion of balance over $25,000, resulting in a range from 0.20% - 0.08% APY, depending on the balance. This range assumes a $25,000.01 - $110,000 account balance, although higher balances are accepted.

* Annual Percentage Yield. Rate may change after account is opened. Minimum balance required to earn APY: $300.00. Fees could reduce earnings on the account.

* Annual Percentage Yield

Youth Savings

Rate may change after account is opened. Minimum deposit required to open account $10.00. Minimum balance required to earn APY: $0.01. Fees could reduce earnings on the account.

Anytime Savers Club

Rate may change after account is opened. Minimum balance required to earn APY: $0.01. Fees could reduce earnings. on the account.

Rates and APYs are accurate as of February 28, 2023 and are subject to change without notice.

*Annual Percentage Yield. Rate may change after account is opened. Minimum balance required to earn APY: $2,500.00. Fees could reduce earnings on the account.

Rates and APYs are accurate as of February 1, 2024 and are subject to change without notice.

* Annual Percentage Yield. Minimum deposit required to open $1,000.00. Penalty may be imposed for early withdrawal. Automatically renewable. ** Minimum deposit required to open $500.00