Product Tours and Video Tutorials First Time Home Buyers

Consumer Lending

Please scroll down to review rates for Consumer Lending. We offer Home Equity Loans, Personal (unsecured) Loans, Home Equity Lines of Credit, New and Used Auto Loans, Loans for Unimproved Land (lots) and more.

The APR is accurate as of December 28, 2015. 

Home Equity Lines of Credit Borrow the money you need whenever you need it simply by writing a check for your purchase. You pay interest only on the amount you actually use even though you may be approved for a higher amount. You receive a competitive rate and interest may be tax deductible. (Ask your tax advisor about any specific tax advantages for which you may qualify.) Here's what you get with a Home Equity Line of Credit:

Premium Home Equity Line of Credit:

  • Variable interest rate (currently based upon Wall Street Journal Prime for lines of credit of $10,000 or more)
  • Monthly statement of account activity
  • Initial supply of checks at no charge (25)
  • Credit line up to $200,000

Premium FlexTerm Home Equity Credit Line:

Premium FlexTerm Home Equity lines of credit allow you the flexibility to pay interest only during the first ten years of your loan.

  • Variable interest rate (currently based upon Wall Street Journal Prime for lines of credit of $10,000 or more)
  • Monthly statement of account activity
  • Initial supply of checks at no charge (25)
  • Credit line up to $200,000
  • Ask about Royal Lines of Credit for qualified borrowers

Recording and satisfaction fees will be required and vary depending upon county regulations. Ask a FNBT Banker for details. Available for residential property only. This offer may be withdrawn at any time without further notice.

See Also:  CD and IRA Rates  |  Mortgage Rates  |  Deposit Rates

TypeTermAnnual Percentage Rate (APR)* Monthly Payment Example
Home Equity**
(rate with automatic debit)
6 to 60 months 3.375% Borrow at 3.375% for 60 months and make a low monthly payment of $18.08 per month for every thousand borrowed.
Home Equity**
(rate with automatic debit)
61 to 120 months 3.625% Borrow at 3.625% for 120 months and make a low monthly payment of $9.89 per month for every thousand borrowed.

Home Equity**
(rate with automatic debit) 

121 to 180 months 3.875% Borrow at 3.875% for 180 months and make a low monthly payment of $7.27 per month for every thousand borrowed.
Home Equity**
(rate with automatic debit)
181 to 240 months 4.125% Borrow at 4.125% for 240 months and make a low monthly payment of $6.06 per month for every thousand borrowed.
Personal Loans***
(rate with automatic debit)
36 months 9.99% Borrow at 9.99% for 36 months and make a low monthly payment of $32.36 per month for every thousand borrowed.
New Auto/Light Truck Loans****
(minimum down payment of 10% of purchase price)
(rate with automatic debit)
48 months 4.50% Borrow at 4.50% for 48 months and make a low monthly payment of $22.36 per month for every thousand borrowed.
New Auto/Light Truck Loans****
(minimum down payment of 10% of purchase price)
(rate with automatic debit)
60 months 4.75% Borrow at 4.75% for 60 months and make a low monthly payment of $18.30per month for every thousand borrowed.
Unimproved Land "Lots" - First Mortgage Only*****
(rate with automatic debit)
60 months 7.25% Borrow at 7.25% for 60 months and make a low monthly payment of $19.91 per month for every thousand borrowed.
Unimproved Land "Lots" - First Mortgage Only*****
(rate with automatic debit)
61 to 120 months 7.75% Borrow at 7.75% for 84 months and make a low monthly payment of $15.46 per month for every thousand borrowed.

**Rates apply to 1st lien mortgage with a minimum loan amount of $5,000.00 and maximum LTV of 80%. An auto debit of a FNBT checking or statement savings is required or the rate will be 1/4% higher. Borrower(s)will be responsible for a $50.00 application fee and other costs incurred by the bank in processing the loan. Above rates require a minimum credit score of 740. (Home Equity)

***An auto debit of a FNBT checking or Statement Savings is required or the rate will be 1/2% higher. (Personal)

****An auto debit of a FNBT checking or Statement Savings is required or the rate will be 1% higher. (Auto)

*****All financing is subject to a narrative style land appraiser by a bank approved certified appraiser. The maximum amount of financing shall  be based on 65% of the appraised value or purchase price, whichever is less. (Land)

Note: All above rates require a minimum credit score of 720 unless otherwise noted. Other rates are available for lesser credit scores and subject to FNBT credit policies. Additional fees may apply in some instances. Please contact our professional loan officers for more details. Rates may be subject to change without notice. 

Mobile Apps App Store

Business Banking | Personal Banking | Current Rates | Financial Tools | Learning Center & Resources

Locations | Contact Us | Site Map | Privacy Policy | Home | USA Patriot Act – Click Here

First Northern Bank & Trust | Fourth Street & Lafayette Avenue Palmerton, PA 18071

(800) 344-2274 | (610) 826-2239 Local | info@1stnorthernbank.com

©2016 First Northern Bank & Trust. All rights reserved. | Bank Website Design by SeS.