Loans

At a Glance	Best For	Features	Fees
Car Loans
You will be the envy of the neighborhood when you drive up in the car of your dreams.	We offer loans for new and pre-owned cars and same day approval.	We offer competitive rates and terms on vehicles up to eight years old.	$50.00 Loan Fee
Home Equity Line of Credit
A quick and easy way to borrow the cash you need when you want it.	Home improvement, automobiles, education, bill consolidation – just about anything and it may be tax deductible.	With a FNBB B-Line” you will have the peace of mind knowing you have a cash resource at your fingertips.	Closing fees vary. You will be informed of the exact amount prior to closing. Also there is a $25.00 annual maintenance fee.


Type	Down Payment	36 Month	48 month	60 month	Fees
New Car 2007 or 2008	20%	7.25% Rate 7.49% APR $466.52 pmt	7.50% Rate 7.69% APR $363.98 pmt	7.75% Rate 7.90% APR $303.44 pmt	$50.00 Loan Fee
Used Car 2006	***	7.75% Rate 7.99% APR $469.98 pmt	8.00% Rate 8.19% APR $367.50 pmt	N/A	$50.00 Loan Fee
Used Car 2005	***	8.25% Rate 8.49% APR $473.46 pmt	8.50% Rate 8.69% APR $371.05 pmt	N/A	$50.00 Loan Fee
Used Car 2004	***	9.00% Rate 9.25% APR $478.71 pmt	9.25% Rate 9.44% APR $376.41 pmt	N/A	$50.00 Loan Fee
Used Car 2002 - 2003	***	10.50% Rate 10.75% APR $489.31 pmt	11.00% Rate 11.19% APR $389.10 pmt	N/A	$50.00 Loan Fee
New Motorcycle	35%	10.25% Rate 10.50% APR $487.53 pmt	10.75% Rate 10.94% APR $387.27 pmt	N/A	$50.00 Loan Fee
* 50% of Invoice / Purchase Price is Maximum loan amount on motorcycles ***Red Book Finance Value is Maximum loan amount on used autos
Conditions are as follows: Borrower will be charged for all pass-on fees. .25% Discount with Automatic Debit from FNBB Checking Account. Add 1.00% for Business purpose. APR is calculated on a $15,000 loan with documentation fee as finance charges.

Type	5 years	10 years	15 years	Fees
Fixed Home Equity	7.50% Rate 7.65% APR $301.65 pmt	7.75% Rate 7.83% APR $180.68 pmt	7.99% Rate 8.05% APR $143.81 pmt	$50.00 Doc Fee and Pass-on Closing Costs
Conditions are as follows: Borrower will be charged for all pass-on fees. The Maximum Loan amount will be 80% of appraised value less existing mortgage. Add 1.00% if property is non-owner occupied. APR is calculated on a $15,000 loan with documentation fee as finance charges. .25% Discount with Automatic Debit from FNBB Checking Account.

Type	5 years	Fees
Home Equity Line Of Credit	Rate Based on Line of Credit*	$25.00 Annual Fee
$200,000.00 +	PRIME - .75%
$100,000.00 +	PRIME - .50%
$50,000.00 +	PRIME - .25%
$25,000.00 +	PRIME
Less than $25,000.00	PRIME
Less than $25,000.00	PRIME + .75%
Conditions are as follows: Borrower will be charged for all pass-on fees. Add 1.00% if property is non-owner occupied. Minimum Interest Rate (floor) is 6.00%. Maximum Interest Rate (ceiling) is 15.00%. The Maximum Loan amount will be 80% of appraised value less existing mortgage. *APR may vary