Home Equity Loans

Don't let that next big purchase intimidate you. You've got someone on your side. Or should we say, "something"? That's right, your home can help you get the financing you need.


Use the equity you've accrued in your home to secure low interest financing from FNB Pandora. You can get a one-time cash disbursement or a line of credit to use here and there as you need it. Interest may even be tax deductible, saving you a bundle!

Home Equity Loans
Home Equity Line of Credit (HELOC)

Instead of a one-time cash disbursement, a HELOC allows you to access up to a pre-approved limit easily, as you need it.

  • Based on home's value
  • Use funds for most anything
  • Competitive fixed or variable interest rate
  • Interest may be tax deductible*
  • Affordable payments
  • Easy access to funds as you need them
  • Interest charged on only what you use
  • Pay it off and use it again

*Consult your tax advisor.

Home Equity Special going on now!

6 month Introductory Rate of 1.95% APR then as low as 2.95% APR for all approved borrowers with a Variable Rate Line of Credit or as low as 4.75% APR for all approved borrowers with a Fixed Rate Line of Credit.

Upon qualification. See your FNB lender for more details. Must have automatic payment from a First National Bank checking account.


Variable Rate Lines of Credit: When opened the introductory Annual Percentage Rate (APR) will be 1.95% APR for 6 months. Beginning with the next month's payment, the variable rate APR is as low as Prime -0.30% and is currently 2.95% as of 4/10/2014 with a minimum low rate of 2.95%. Interest rates may vary and are indexed to the most recent Index value available to us as of the 10th of the month as published in the Wall Street Journal. Applicable interest rate varies depending on your credit qualifications and loan to value ratio from a variable APR of Prime - 0.30% (currently 2.95%) with a minimum low rate of 2.95% to Prime + 3.00% (currently 6.25%). The maximum APR will not exceed 18%, or the state usury ceiling, whichever is less. $5,000.00 minimum credit line. $50 annual fee waived for one year. No other discounts apply. Consult tax advisor regarding deductibility of interest. Terms and conditions subject to change without notice. Limited time offer.


Fixed Rate Lines of Credit: When opened the introductory Annual Percentage Rate (APR) will be 1.95% APR for 6 months. Beginning with the next month's payment, the fixed rate APR is as low as 4.75% for 5 years as of 4/10/2014. Applicable interest rate varies depending on your credit qualifications and loan to value ratio from a fixed APR of 4.75% to 7.50%. The maximum APR will not exceed 18%, or the state usury ceiling, whichever is less. $5,000.00 minimum credit line. $50 annual fee waived for one year. No other discounts apply. Consult tax advisor regarding deductibility of interest. Terms and conditions subject to change without notice. Limited time offer.


$75.00 Rewrite Fee and Minimum Balance increase of $5,000 required for existing FNB HELOC customers.


Loan
  • Based on home's value
  • Use funds for most anything
  • Low fixed interest rate
  • Interest may be tax deductible*
  • Affordable payments
  • Local decisions and processing
  • Commitment to personal service
  • Automatic payment available
  • Easy to apply

*Consult your tax advisor.