Rates

Consumer Rates

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.

Comparison table of HELOC
	Interest Rate	Annual Percentage Rate	Closing Fees	Monthly Payment	Details
30 Year Variable Rate HELOC	8.00%	8.00%	$250	$328.77  Interest-Only Payment
5 YEAR FIXED RATE HELOC	9.00%	9.00%	$250	$369.86  Interest-Only Payment

The 30 Year Variable Rate HELOC is a 10 Year Draw period, 20 Year Repayment period
5 Year Fixed HELOC is 9.50% Fixed for 5 Years, with a 20 Year Variable Rate Repayment based on Prime Rate
Borrow up to 85% 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 a $50,000 loan amount with a minimum credit score of 760

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Comparison table of home equity fixed installment loan
	Interest Rate	Annual Percentage Rate	Closing Fees	Monthly Payment	Details
10 Year Fixed Rate Home Equity Fixed Installment Loan	6.25%	6.39%	$908.10	$559.24
20 Year Fixed Rate Home Equity Installment Loan	6.50%	6.58%	$908.10	$370.17

With a Farmers National Bank 10, 15, or 20 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 85% 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
Payment examples are based on a $50,000 loan amount with a minimum credit score of 760

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Comparison table of auto loans
	Interest Rate	Annual Percentage Rate	Year of Vehicle	Monthly Payment
Fixed Rate Auto Loan -  48 Months	6.65%	7.35%	2016-2024	$356.13
Fixed Rate Auto Loan -  60 Months	6.90%	7.47%	2017-2024	$295.64
Fixed Rate Auto Loan - 72 Months	7.15%	7.63%	2019-2024	$256.11

*Fixed Rate Terms, can go as low as 24 Months or as high as 78 Months 

*Minimum Credit Score 650 

*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

Deposit Rates

Comparison table of Savings Accounts
Product	Minimum Balance	Interest Rate	APY^*
Statement Savings	$100.00	0.03%	0.03%
Holiday Savings	$5.00	0.05%	0.05%
Health Savings $0–$2,499.99	$0.00	0.02%	0.02%
Health Savings $2,500–$4,999.99	$0.00	0.04%	0.04%
Health Savings $5,000–$9,999.99	$0.00	0.06%	0.06%
Health Savings $10,000 and above	$0.00	0.08%	0.08%

Comparison table of Money Markets
Product	Minimum Balance	Interest Rate	APY^*
Money Market Index $0–$4,999.99	$5,000.00	0.00%	0.00%
Money Market Index $5,000–$7,499.99	$5,000.00	0.05%	0.05%
Money Market Index $7,500–$24,999.99	$5,000.00	0.08%	0.08%
Money Market Index $25,000 and above	$5,000.00	0.10%	0.10%

Comparison table of Checking Accounts
Product	Minimum Balance	Interest Rate	APY^*
Premier Interest Checking $0 – $9,999.99	$1,500.00	0.01%	0.01%
Premier Interest Checking $10,000 – $24,999.99	$1,500.00	0.02%	0.02%
Premier Interest Checking $25,000 – $49,999.99	$1,500.00	0.04%	0.04%
Premier Interest Checking $50,000 and above	$1,500.00	0.06%	0.06%
Platinum Checking	$100.00	0.08%	0.08%
Bonus Checking Up to $15,000 (Bonus Rate on Qualified Accounts)	$100.00	2.00%	2.00%
Bonus Checking Above $15,000	$100.00	0.02%	0.02%

Comparison table of Certificates of Deposit
Product	Minimum Balance	Interest Rate	APY^*
1 Month (7 - 31 days)	$1,000.00	0.01%	0.01%
3 Months (91 days)	$1,000.00	0.03%	0.03%
6 Months (182 days)	$500.00	0.10%	0.10%
12 Months	$500.00	0.10%	0.10%
18 Months	$500.00	0.10%	0.10%
24 Months	$500.00	0.10%	0.10%
36 Months	$500.00	2.48%	2.50%
48 Months	$500.00	2.48%	2.50%
60 Months	$500.00	2.48%	2.50%
IRA Savings	$500.00	0.03%	0.03%

Girl smiling holding flowers in a field

SPECIAL PROMO:

2.00% APY* Bonus Checking Account

Open an Account Online

$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.

How much money do I need for a down payment on a house?

Financial Literacy

When buying a home, how much money should you set aside for a down payment? According to Karen Jindra, Mortgage Sales Manager for Farmers National…