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Winter 2018 Holidays

Click here to view our Holiday Hours.

Attention Business Customers:

No ACH or wire transactions will be processed after 12:30 p.m. on Monday, December 24th or after 3:30 p.m. on Monday, December 31st. Please contact the Treasury Management Department for assistance.

Farmers National Bank #1 Performing Bank in Ohio

Farmers National Bank is proud to announce that we were recently named the #1 Top Performing Bank in the state of Ohio and #30 in the nation of banks in the $1-5 Billion asset size. Click here to read the full press release.

Promotions Personal

3.99 Annual Percentage Rate (APR) Home Equity Line of Credit

  • Introductory Fixed Rate for 12 Months

The Home Equity Line of Credit 3.99% introductory APR (Annual Percentage Rate) rate is a 12-month fixed rate based on a 90% 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 675 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. If 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 5.25%. During that period, 120 monthly payments would be made ranging from $40.27 to $44.59. Then 240 monthly payments ranging from $67.40 to $68.10. After the 12-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 27, 2018, the current Prime Rate is 5.25%. 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 5.25% APR except during the 12-month introductory period. As of September 27, 2018, the variable rate for Home Equity Lines of Credit ranged from Prime + 0.00% to Prime + 4.25% depending upon the credit score and LTV at time of application. Customer pays no closing costs up to a $250,000 loan. Loan amounts of $250,000 or more may require title insurance. The offer is for owner-occupied, single family properties only. Investment 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 Hazard 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 January 31, 2019.

Holiday Loan Sale

  • Personal Unsecured Loan
  • $2,000 - $7,500
  • 24 to 60 months
  • Lower your rate with automatic payments from a Farmers checking account

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 $5,000.00, 60-month fixed rate loan with an interest rate of 10.49% and corresponding Annual Percentage Rate (APR) of 12.08% is $107.09 with the monthly payment auto deducted from a Farmers Checking Account. A loan fee of $195.00 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, 2019.

Simple 6 CD Special

2.00% APY*

  • $1,000 minimum to open
  • No checking account required

Opening rate for this 6-month CD is 2.00% APY* (Annual Percentage Yield). The APY is accurate as of August 1, 2018. Minimum amount to open and maintain stated APY is $1,000. This account will automatically renew at the Simple 6 CD rate available at the time of renewal. Please see your local Farmers National Bank for full disclosure. You will have 10 calendar days after maturity to withdraw funds without a penalty. Certificates with less than 1 year remaining to maturity will be subject to a penalty equal to 3 months of interest on the principal withdrawn prior to maturity. Fees may reduce earnings. See full disclosure for additional details. Offer is subject to cancellation without notice.

$250 Off Closing Costs when you download the Farmers Mobile Mortgage App and apply online.

This offer is valid for all first lien mortgage transactions. This offer is not valid with any other special or rate promotion being offered by Farmers. Subject to credit approval. Other terms and conditions may apply. To receive this offer, the customer must download the Farmers Mobile Mortgage app and apply online through the mobile app or through the Mortgage Center on Farmers National Bank’s website at www.farmersbankgroup.com. Other fees apply. Offer is subject to cancellation at any time.

13 - Month CD Special

2.50% APY*

  • $1,000 minimum to open
  • No checking account required

Opening rate for this 13-month CD is 2.50% APY* (Annual Percentage Yield). The APY is accurate as of October 24, 2018. An existing checking account relationship is not required to receive this offer. Minimum amount to open and required to obtain stated APY is $1,000. This account will automatically renew at the normal 13-month CD rate. Please see your local Farmers National Bank for full disclosure. You will have 10 calendar days after maturity to withdraw funds without a penalty. Certificates with less than 1 year remaining to maturity will be subject to a penalty equal to 3 months of interest on the principal withdrawn prior to maturity. Certificates with 1 to 3 years remaining to maturity will be subject to a penalty equal to 6 months of interest on the principal withdrawn prior to maturity. Fees may reduce earnings. Offer is subject to cancellation without notice.

18 - Month CD Special

2.75% APY*

  • $1,000 minimum to open
  • No checking account required

Opening rate for this 18-month CD is 2.75% APY* (Annual Percentage Yield). The APY is accurate as of October 24, 2018. An existing checking account relationship is not required to receive this offer. Minimum amount to open, and required to obtain stated APY, is $1,000. This account will automatically renew at the normal 18-month CD rate. Please see your local Farmers National Bank for full disclosure and additional details. You will have 10 calendar days after maturity to withdraw funds without a penalty. A flat 6-month interest penalty will be applied for early withdrawal regardless of time left until maturity. Offer is subject to cancellation without notice.

24 - Month CD Special

2.95% APY*

  • $5,000 minimum to open
  • No checking account required

Opening rate for this 24-month CD is 2.95% APY* (Annual Percentage Yield). The APY is accurate as of November 21, 2018. An existing checking account relationship is not required to receive this offer. Minimum amount to open, and required to obtain stated APY, is $5,000. This account will automatically renew at the normal 24-month CD rate. Please see your local Farmers National Bank for full disclosure and additional details. You will have 10 calendar days after maturity to withdraw funds without a penalty. A flat 12-month interest penalty will be applied for early withdrawal regardless of time left until maturity. Offer is subject to cancellation without notice.

3 -Year Step-Up CD

2.50% APY*

  • $5,000 minimum to open
  • One-time rate bump
  • No checking account required

Opening rate for this 3-year CD is 2.50% APY* (Annual Percentage Yield). The APY is accurate as of June 20, 2018. An existing checking account relationship is not required to receive this offer. Minimum amount to open, and required to obtain stated APY, is $5,000. This account allows a one-time rate increase option during the life of the certificate, therefore the rate may change after the account is opened. This account will automatically renew at the normal 3-year CD rate. Please see your local Farmers National Bank for full disclosure and additional details. You will have 10 calendar days after maturity to withdraw funds without a penalty. A flat 12-month interest penalty will be applied for early withdrawal regardless of time left until maturity. Offer is subject to cancellation without notice.

Platinum Checking Account

2.00% APY*

Introductory Annual Percentage Yield Platinum Checking Account

For the first 3 months

  • Earn 2.00% APY* for the first 3 months on all balances
  • No monthly service charges with daily balance of $2,500 or more
  • Only $100 to open
  • E-statements**

$100 minimum to open. All daily balances will earn 2.00% APY* (Annual Percentage Yield) for the first three months. After the introductory 3-month period, all balances will earn 0.60% APY* . A $15.00 per month service charge will occur if the balance falls below $2,500 at any time during the month. **Canceling E-statements: You may opt-out of E-statements at any time by visiting one of our branch locations. If you opt-out of E-Statements, we will resume delivery of your paper statements by U.S. Mail. There will be a $30.00 reinstatement fee associated with the reinstatement of paper statements. See full disclosure for additional details. Offer is subject to cancellation without notice. Fees may reduce earnings.

3-Month Business CD Special

$10,000 - $49,999.99: 0.50% APY

$50,000 - $99,999.99: 0.65% APY

$100,000+: 0.75% APY

Rate for this 3-month Business CD is dependent upon amount of opening deposit. $10,000 - $49,999.99 is 0.50% APY (Annual Percentage Yield), $50,000 - $99,999.99 is 0.65% APY (Annual Percentage Yield), $100,000 or more is 0.75% APY (Annual Percentage Yield). The APY is accurate as of January 30, 2018 and will not change during the term of the certificate regardless of account balance. Rate is available to Business customers bringing new money to Farmers National Bank. An existing checking account relationship is not required to receive this offer. Minimum amount to open, and required to obtain stated APY, is $10,000. This account will automatically renew at the 3-month Business CD Special rate. Please see your local Farmers National Bank for full disclosure and additional details. You will have 10 calendar days after maturity to withdraw funds without a penalty. Certificates with a term less than 1 year will be subject to a penalty equal to 3 months of interest on the principal withdrawn prior to maturity. Offer is subject to cancellation without notice.

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