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	24 Month	36 Month	48 month	60 month	Fees
New Car 2008 - 09	20%	7.50% Rate 7.822% APR $677.19 pmt	7.75% Rate 7.970% APR $469.84 pmt	8.25% Rate 8.420% APR $369.16 pmt	8.75% Rate 8.891% APR $310.58 pmt	$50.00 Loan Fee
Used Car 2007	***	8.00% Rate 8.321% APR $680.61 pmt	8.25% Rate 8.471% APR $473.31 pmt	8.75% Rate 8.921% APR $372.71 pmt	N/A	$50.00 Loan Fee
Used Car 2006	***	8.50% Rate 8.821% APR $684.04 pmt	8.75% Rate 8.970% APR $476.79 pmt	9.25% Rate 9.421% APR $376.28 pmt	N/A	$50.00 Loan Fee
Used Car 2005	***	9.25% Rate 9.571% APR $689.21 pmt	9.50% Rate 9.720% APR $482.04 pmt	10.00% Rate 10.172% APR $381.68 pmt	N/A	$50.00 Loan Fee
Used Car 2001 - 04	***	10.00% Rate 10.321% APR $694.40 pmt	11.75% Rate 11.971% APR $498.01 pmt	N/A	N/A	$50.00 Loan Fee
Unsecured / Used Car- 2000 & Older	N/A	13.50% Rate 14.497% APR $241.24 pmt	N/A	N/A	N/A	$50.00 Loan Fee
New Motorcycle*	35%	10.50% Rate 10.821% APR $697.87 pmt	11.00% Rate 11.222% APR $492.66 pmt	11.50% Rate 11.673% APR $392.60 pmt	N/A	$50.00 Loan Fee
* 50% of Invoice / Purchase Price is Maximum loan amount on used 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. .50% Discount with Automatic Debit from an Active FNBB Checking Account. Add 2.00% for Business Purpose or Work Trucks - 3 Year Maximum Term. APR is calculated on a $15,000 loan with documentation fee as finance charges / $5,000 loan for unsecured loan..

Type	5 years	10 years	15 years	Fees
Fixed Home Equity (1-Unit Primary Residence Only)	8.00% Rate 8.140% APR $305.15 pmt	8.25% Rate 8.329% APR $184.61 pmt	8.50% Rate 8.559% APR $148.23 pmt	$50.00 Doc Fee
Conditions are as follows: Borrower will be charged for all pass-on fees. .50% Discount with Automatic Debit from an Active FNBB Checking Account If property is non-owner occupied, rental or multi-unit - Commercial Rates Apply. APR is calculated on a $15,000 loan with documentation fee as finance charges. The Maximum Loan amount will be 70% of appraised value less existing mortgage or 60% LTV if the 1st Mortgage is not held by FNBB.

Type	5 years	Fees
Home Equity Line Of Credit**	Rate Based on Line of Credit*	$50 Documentation Fee $25.00 Annual Fee
$200,000.00 +	PRIME - .50%
$100,000.00 +	PRIME - .25%
$50,000.00 +	PRIME
$25,000.00 +	PRIME + .25%
Less than $25,000.00	PRIME + .25%
Less than $25,000.00	PRIME + .50%
Conditions are as follows: Borrower will be charged for all pass-on fees. If property is non-owner occupied, rental or multi-unit - Commercial Rates Apply. Minimum Interest Rate (floor) is 6.00%& Maximum Interest Rate (ceiling) is 15.00%. The Maximum Loan amount will be 70% of appraised value less existing mortgage or 60% LTV if the 1st Mortgage is not held by FNBB. 1-Unit Primary Residence Only *APR may vary