Big, small, and everything in-between
Dream big with lines of credit and loans from Farmers National Bank. Our products below give you the flexibility to choose a consumer loan based on your needs.
HELOC (Home Equity Line of Credit)
| Product | Interest Rate | Annual Percentage Rate | Closing Fees | Monthly Payment | Details |
|---|---|---|---|---|---|
| HELOC Special - 6 Month Intro Rate
Minimum Credit Score 760 $25,000 Minimum Loan Amount |
1.99% | 1.99% | $250.00 | $84.51 Interest-Only Payment |
|
| 30 Year Variable Rate HELOC
Minimum Credit Score 650 $10,000 Minimum Loan Amount |
3.50% | 3.50% | $250.00 | $148.63 Interest-Only Payment |
|
| 5 Year Fixed Rate HELOC
Minimum Credit Score 760 $25,000 Minimum Loan Amount |
3.99% | 3.99% | $250.00 | $169.44 Interest-Only Payment |
- What you should know about home equity lines of credit
- HELOC Special is a Variable Rate Product with a 6 month Fixed Introductory Rate
- HELOC Special and 30 Year Variable Rate HELOC are both 10 Year Draw period, 20 Year Repayment period
- 5 Year Fixed HELOC is 3.99% Fixed for 5 Years, with a 20 Year Variable Rate Repayment based on Prime Rate
- Borrow up to 90% of the Equity in your home
- Historically low rates based off of Prime Rate
- Annual Fee Waived First Year
- No minimum draw requirement
- Payment examples are based on $50,000 Loan Amount
Home Equity Fixed Installment Loan
| Product | Interest Rate | Annual Percentage Rate | Closing Fees | Monthly Payment | Details |
|---|---|---|---|---|---|
| 10 Year Fixed Rate Home Equity Fixed Installment Loan
Minimum Credit Score 650 $20,000 Minimum Loan Amount |
4.375% | 4.406% | $675.00 | $522.13 |
- With a Farmers National Bank 10 Year Fixed Home Equity Fixed Installment Loan, the funds are disbursed in one lump sum and your monthly payment does not change during your term
- Consistent payments throughout the life of the loan
- Fixed Rate for Life
- Borrow up to 90% of the Equity in your home
- Make additional payments at any time without penalty
- Rate reflects .25% discount for setting up automatic payments with Farmers National Bank
Auto Loans
| Product | Interest Rate | Annual Percentage Rate | Year of Vehicle | Monthly Payment | Details |
|---|---|---|---|---|---|
| Fixed Rate Auto Loan
48 Months |
4.125% | 4.81% | 2012-2020 | $339.15 | |
| Fixed Rate Auto Loan
60 Months |
4.375% | 4.93% | 2013-2020 | $278.39 | |
| Fixed Rate Auto Loan
72 Months |
4.625% | 5.10% | 2015-2020 | $238.54 |
- Fixed Rate Terms, can go as low as 24 Months or as high as 72 Months
- Minimum Credit Score 630
- Rate reflects .25% for setting up automatic payments with Farmers National Bank
- Borrow up to 100% of the value in the car
- Make additional payments at any time without penalty
- Rates and Terms based off of Credit Score and Loan Term
- Antique and Classic Autos financed on a case by case basis
Consumer Credit Cards
| Product | Interest Rate | Annual Percentage Rate |
|---|---|---|
| Minimum Rate
Based on creditworthiness |
11.24% | 11.24% |
| Maximum Rate
Based on creditworthiness |
19.24% | 19.24% |
- 0% Introductory Annual Percentage Rate (APR) for the first 9 billing cycles following the opening of your account. After that, your Annual Percentage Rate (APR) will be 11.24% to 19.24%, based on your creditworthiness. Your Annual Percentage Rate (APR) will vary with the market based on the Prime Rate.
- No Annual Fees
- 1% Cash Back on your Purchases**
- Charging privileges throughout the U.S. and around the world
- An easy way to handle all your finances.
- The ability to shop, entertain, travel, and pay for all your spur of the moment purchases.
- $250 Off Mortgage Loan Documentation Fee***
- .25% Rate Discount Off of any Consumer Loan***
- One-time Annual Fee waiver on any Home Equity Line of Credit, InstaLine or Personal Line of Credit***
** Cash back limited to $500 per year.
***Must be a current cardholder and account cannot be delinquent. Subject to credit approval. Offer is not valid with any other special rate or promotion being offered by Farmers. Other terms and conditions may apply. Promotion may end without advanced notice.