Loan Rates and Terms
Rates effective as of September 25, 2013
  Down Payment Term/Mos APR
AUTO/MOTORCYCLE LOANS (*)
*Automobiles require 10% down. Motorcycles require 20% down.
New, Used: 2014, 2013
  * 6-60 2.74%
  * 61-72 2.99%
Used: 2012 - 2009
  * 6-60 2.74%
  * 61-72 3.24%
Used: 2008 - 2007 *25% down or 90% of NADA Trade-In Value
  * 6-60 2.74%
  * 61-72 4.24%
For Example: A $10,000 auto loan with 10% down for 60 months at 2.74% APR would have a repayment amount of $178.55 and a finance charge of $713.07
PERSONAL LOANS
With 1st National Deposit Account or With Stock Listed on American, NASDAQ or NYSE Up to 2/3 Value   6-60 Fixed @ 2.49% above savings rate
With Accepted Collateral or Unsecured
Secured   6-60 8.50%
Unsecured   6-24 10.50%
For Example: A $10,000 personal loan for 36 months at 8.50% APR would have a repayment amount of $315.70 and a finance charge of $1,365.37
FIXED RATE HOME EQUITY LOANS
$100,000.00 Maximum, $4,000.00 Minimum   Up to 60 2.74%
Terms up to & including 120 mo. with 89% LTV   61-120 4.64%
Terms > 10 years with 80% LTV or below   121-180 4.84%
For Example: A $15,000 home equity loan with an LTV of 89% for 60 months at 2.74% APR would have a repayment amount of $267.83 and a finance charge of $1,069.61. Payment does not include amounts for taxes and insurance premiums. Actual payment obligation will be greater.
MARINE, MOTOR HOMES, TRAVEL TRAILERS
New 2014 - 2013, Minimum $10,000 - $25,000      
15% Up to 120 Months 7.59%
Used 2008 and Newer (Titled Only) $10,000 - $25,000      
15% Up to 120 Months 8.99%
For Example:A $10,000 marine loan with 15% down for 72 months at 7.59% APR would have a repayment amount of $173.39 and a finance charge of $2,483.72
ATV, SNOWMOBILES, MOTORCYCLES, JETSKIS
New 2014 - 2013 (Minimum $2,500) 20% 6-36 9.95%
For Example: A $10,000 ATV loan with 20% down for 36 months at 9.95% APR would have a repayment amount of $322.52 and a finance charge of $1,610.70
For more information on loans listed above or on additional types of loans, please contact a Loan Officer.
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