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Application Form  ]

Complete the above form
and return it to your nearest
branch office.

A Small Rate Can Make a World of Difference…

Up to 10 Years 2.70% APR Home Equity Loan

Local Decision-Making Speeds Up the Process!

  • Apply online or in person
  • Experienced lenders at every branch
  • 11 Convenient branches to serve your needs

Call 1-800-344-CASH or bank online at

The Annual Percentage Rate (APR) of 2.70% is for a term of up to 10 years with automatic debit from an FNBT checking account. The auto debit relationship also qualifies you for waiver of flood, property and recording fees. The rate will be 0.50% percent higher without auto debit from a FNBT checking account. A minimum new loan of $10,000 or an increase of $10,000 for existing FNBT customers is required to receive the stated APR. Loans over $100,000 or loans requiring more than one property report may be subject to fees. Sample Calculation: 2.70% Rate - 10 year term - 2.70% APR. Payments of $9.52 per $1,000 borrowed. Residence must be a 1-4 family owner occupied, and you must grant First Northern Bank a first or second lien on the property securing the loan to receive the advertised rate. A minimum credit score of 670 applies to all applicants. Maximum loan amount is $75,000.00 with second lien position behind another lender.