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Consumer Lending

Please scroll down to review rates for Consumer Lending. We offer Home Equity Loans, Personal (unsecured) Loans, Home Equity Lines of Credit, New and Used Auto Loans, Loans for Unimproved Land (lots) and more.

The APR is accurate as of November 4, 2013. 

Home Equity Lines of Credit Borrow the money you need whenever you need it simply by writing a check for your purchase. You pay interest only on the amount you actually use even though you may be approved for a higher amount. You receive a competitive rate and interest may be tax deductible. (Ask your tax advisor about any specific tax advantages for which you may qualify.) Here's what you get with a Home Equity Line of Credit:

Home Equity Line of Credit:

  • Variable interest rate (currently based upon Wall Street Journal Prime for lines of credit of $10,000 or more)
  • Monthly statement of account activity
  • Initial supply of checks at no charge (25)
  • Credit line up to $150,000

FlexTerm Home Equity Credit Line:

FlexTerm Home Equity lines of credit allows you the flexibility to pay interest only during the first five years of your loan.

  • Variable interest rate (currently based upon Wall Street Journal Prime for lines of credit of $10,000 or more)
  • Monthly statement of account activity
  • Initial supply of checks at no charge (25)
  • Credit line up to $150,000

Recording and satisfaction fees will be required and vary depending upon county regulations. Ask a FNBT Banker for details. Available for residential property only. This offer may be withdrawn at any time without further notice.

See Also:  CD and IRA Rates  |  Mortgage Rates  |  Deposit Rates

TypeTermAnnual Percentage Rate (APR)* Monthly Payment Example
Home Equity**
(rate with automatic debit)
Up to 48 months 4.20% Borrow at 4.20% for 48 months and make a low monthly payment of $22.67 per month for every thousand borrowed.
Home Equity**
(rate with automatic debit)
49 to 72months 4.20% Borrow at 4.20% for 60 months and make a low monthly payment of $18.51 per month for every thousand borrowed.
Personal Loans**
(rate with automatic debit)
36 months 9.99% Borrow at 9.99% for 36 months and make a low monthly payment of $32.26 per month for every thousand borrowed.
New Auto/Light Truck Loans**
(minimum down payment of 15% of purchase price)
(rate with automatic debit)
48 months 5.50% Borrow at 5.50% for 48 months and make a low monthly payment of $23.25 per month for every thousand borrowed.
New Auto/Light Truck Loans**
(minimum down payment of 15% of purchase price)
(rate with automatic debit)
60 months 5.75% Borrow at 5.75% for 60 months and make a low monthly payment of $19.21 per month for every thousand borrowed.
Unimproved Land "Lots" - First Mortgage Only**,***
(rate with automatic debit)
60 months 7.25% Borrow at 7.25% for 60 months and make a low monthly payment of $19.91 per month for every thousand borrowed.
Unimproved Land "Lots" - First Mortgage Only**,***
(rate with automatic debit)
84 months 7.75% Borrow at 7.75% for 84 months and make a low monthly payment of $15.46 per month for every thousand borrowed.

* Additional terms and rates are available, and in some cases fees may be applied. Please contact our professional loan officers for more details. Rates may be subject to change without notice.

** Conditions: Above rate assumes automatic debit of a First Northern Bank & Trust Checking or Statement Savings Account and will be a half percent higher without such an account. Maximum loan to value will be eighty percent. Limit of one free property report and flood report per loan. Additional reports, if needed, are at the customer's expense. The A.P.R. is a special rate requiring a new loan of $10,000 or more, or an increase of $5,000 to an existing loan. Loans that do not meet this requirement will be at a higher rate and subject to fees, with automatic debit.

***All financing will be subject to a narrative-style land appraisal by a bank-approved Certified Appraiser. The maximum amount of financing shall be based on eighty percent of the appraised value or of the purchase price, whichever is less.

Subject to min. credit score of 720. Subject to FNBT Credit Policies.

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First Northern Bank & Trust | Fourth Street & Lafayette Avenue Palmerton, PA 18071

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