Rates

The Holiday Loan is an unsecured loan that requires new money (money not currently owed to Farmers). The interest rate applied to the loan is based on your credit score. For example, the payment on a $5,000, 36-month fixed rate loan with an interest rate of 10.99% and corresponding Annual Percentage Rate (APR) of 13.87% is $163.31 with the monthly payment auto deducted from a Farmers National Bank Checking Account. A Farmers National Bank Checking Account is required to receive the lowest rate, but is not required for loan approval. A loan fee of $200 applies. This offer is subject to credit approval based on the banks underwriting standards. Other rates and terms are available. Offer may be modified without notice. Offer expires January 31, 2026.

The Home Equity Line of Credit 5.25% introductory APR (Annual Percentage Rate) is a 6-month fixed rate based on a 85% loan-to-value (LTV) or less at the time of application. A minimum new money loan amount of $25,000 or minimum $25,000 increase to an existing line with a minimum credit score of 720 is required. Auto debit from a Farmers National Bank checking account is required to receive the lowest rate, but is not required for loan approval. Advances of credit can be obtained during the draw period of 120 months. After the draw period, the repayment period of 240 months begins. lf the minimum payment is made and no other advances were taken, it would take 30 years to pay off a credit advance of $10,000 at an Annual Percentage Rate of 7.25%. During that period, 120 monthly payments would be made ranging from $57.53 to $63.70 in the draw period followed by 239 monthly payments of $80.56 in the repayment period and a final payment of $77.99. After the 6-month introductory period, the APR is variable and is based upon the prime Rate (the index) as published in the Wall Street Journal. As of September 17, 2025 the current Prime Rate is 7.25%. The variable rate can change monthly based on the Prime Rate. The rate will not vary above 20.00% APR, or applicable state law, or below 4.00% APR except during the 6-month introductory period. As of October 1, 2025 the variable rate for Home Equity Lines of Credit ranged from Prime + 0.00% to Prime + 3.75% depending on the credit score and LTV at time of application. Customer pays no closing costs up to a $250,000 loan, except a $300 Loan Origination Fee that will be advanced to the line at the time of closing. Title insurance is required and paid for by the borrower on loans greater than $500,000. The offer is for owner-occupied, single family properties only. lnvestment properties and second homes are not eligible. A $60 annual fee will be assessed upon the first anniversary date of account opening and annually thereafter. A Prepayment Penalty of $400 is applied if the account is terminated within the first three years (36 months) of the Credit Agreement date. Property insurance is required, and flood insurance will also be required if the property is determined to be in a Special Flood Hard Area. Promotion is not available on Simultaneous Closing loans. Promotion not eligible for an investment property. Offer subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice. Consult your tax and or legal advisor regarding the deductibility of interest and fees. Other fees and restrictions may apply. Other rates and terms are available. The Checking Account terms and conditions that apply to Farmers National Bank checking account products can be obtained by visiting a branch location or calling the Customer Support Center at 1.888.988.3276. Offer expires December 31, 2025.

The Home Equity Line of Credit 6.25% introductory APR (Annual Percentage Rate) is a 5 year fixed rate based on a 85% loan-to-value (LTV) or less at the time of application. A minimum new money loan amount of $25,000 or minimum $25,000 increase to an existing line with a minimum credit score of 720 is required. Auto debit from a Farmers National Bank checking account is required to receive the lowest rate, but is not required for loan approval. Advances of credit can be obtained during the draw period of 60 months. After the draw period, the repayment period of 240 months begins. If you made only the minimum monthly payments and took no other credit advances, it would take 300 months to pay off a credit advance of $10,000 at an Annual Percentage Rate of 7.25%. During that period, you would make 60 monthly payments varying between $57.53 and $63.70 in the draw period followed by 239 monthly payments of $80.56 in the repayment period and a final payment of $79.08. After the 5 year fixed introductory period, the APR is variable and is based upon the prime Rate (the index) as published in the Wall Street Journal. As of September 17, 2025 the current Prime Rate is 7.25%. The variable rate can change monthly based on the Prime Rate. The rate will not vary above 20.00% APR, or applicable state law, or below 4.00% APR except during the 5 year introductory period. As of October 1, 2025 the variable rate for Home Equity Lines of Credit ranged from Prime + 1.00% to Prime + 1.75% depending on the credit score and LTV at time of application. Customer pays no closing costs up to a $250,000 loan, except a $300 Loan Origination Fee that will be advanced to the line at the time of closing. Title insurance is required and paid for by the borrower on loans greater than $500,000. The offer is for owner-occupied, single family properties only. lnvestment properties and second homes are not eligible. A $60 annual fee will be assessed upon the first anniversary date of account opening and annually thereafter. A Prepayment Penalty of $400 is applied if the account is terminated within the first three years (36 months) of the Credit Agreement date. Property insurance is required, and flood insurance will also be required if the property is determined to be in a Special Flood Hard Area. Promotion is not available on Simultaneous Closing loans. Promotion not eligible for an investment property. Offer subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. lnterest rates and program terms are subject to change without notice. Consult your tax and or legal advisor regarding the deductibility of interest and fees. Other fees and restrictions may apply. Other rates and terms are available. The Checking Account terms and conditions that apply to Farmers National Bank checking account products can be obtained by visiting a branch location or calling the Customer Support Center at 1.888.988.3276. Offer expires December 31, 2025.

$100 minimum to open. *Variable rate currently 2.00% APY (Annual Percentage Yield) on the first $15,000.00 for qualified accounts. Qualifications include: 1 electronic direct deposit or automatic debit, make at least 10 purchases with your debit card that post to your account within the statement cycle, agree to receive your statement electronically. Otherwise the rate will be 0.02% APY. The APY is accurate as of July 31, 2024. A $5.00 per month service charge will occur if the daily balance falls below $500 anytime during the month. The higher interest rate will not be received if the customer opts out of e-statements. There will be a $30.00 reinstatement fee associated with the reinstatement of paper statements. Offer subject to rate change or cancellation at any time. Fees may reduce earnings. See full disclosure for details.