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ONLINE MORTGAGE APPLICATION

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Rates

Deposit Rates

Certificates of Deposit / Individual Retirement Accounts
Rates Subject to Change
Effective March 26, 2014

Term

Interest Rate

Annual Percentage Yield

Three Months

0.10%

0.10%

Six Months

0.15%

0.15%

Twelve Months

0.25%

0.25%

Eighteen Months

0.35%

0.35%

Twenty-Four Months

0.45%

0.45%

Thirty Months - The Opportunity CD

0.55%

0.55%

Thirty-Six Months

0.75%

0.75%

Forty-Eight Months

0.90%

0.90%

Sixty Months

1.00%

1.00%

  • Early withdrawals subject to substantial penalty.
  • Interest on CD's compound quarterly.
  • Minimum deposit of $1,500.00 on THE OPPORTUNITY CD.
  • All other certificates have a minimum deposit of $500.00.

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Other Interest-Bearing Accounts

Other Interest Bearing Accounts
Rates Subject to Change
Effective March 26, 2014
  Interest Rate Annual Percentage
Yield
PRIMETIME CHECKING *    
-$2,500.00 minimum daily balance required in any type of deposit account for this checking to earn interest

-$100.00 minimum required deposit to open the account

-55 and over
.10% .10%
FNB INTEREST CHECKING / ENTREPRENEUR PLUS CHECKING *    
-$1,000.00 minimum daily balance required to earn interest

-$100.00 minimum required deposit to open the account 
.05% .05%
MONEY MARKET *    

-$2,500.00 minimum daily balance required to earn interest

-$100.00 minimum required deposit to open the account

   
$2,500.00 to $9,999.99 .10% .10%
$10,000.00 to $24,999.99 .10% .10%
$25,000.00 and above .15% .15%
PLATINUM HIGH YIELD MONEY MARKET *    

-$2,500.00 minimum daily balance required to earn interest

-$100.00 minimum required deposit to open the account

   
$2,500.00 to $24,999.99 .10% .10%
$25,000.00 and above .15% .15%
STATEMENT SAVINGS *    
-$50.00 minimum daily balance required to earn interest

-$50.00 minimum required deposit to open the account
.05% .05%
CHOICE SAVINGS *    
-No minimum daily balance required

-$50.00 minimum required deposit to open the account
.10% .10%
KID'S CLUB / TEEN'S WITH GREEN SAVINGS *    
-No minimum daily balance required

-$25.00 to open the account unless the child's parent(s) / guardian(s) have a checking account relationship with FNB
.05% .05%
HEALTH SAVINGS ACCOUNT *    

-$500.00 minimum daily balance required to earn interest

-$100.00 minimum required deposit to open the account

   
$500.00 or greater and less than $2,499.99 .50% .50%
$2,500.00 or geater and less than $9,999.99 1.00% 1.00%
$10,000.00 or more 1.49% 1.50%

 * FEES COULD REDUCE EARNINGS ON THE ACCOUNT 

 * RATES MAY CHANGE AFTER ACCOUNT IS OPENED 


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Loan Rates

 

Fixed Rate Mortgages
Effective: April 17, 2014
Term

Interest Rate

Annual Percentage Rate

30 Year (0 Points)****

4.375%

4.405%

20 Year (0 Points)***

4.125%

4.166%

15 Year (0 Points)**

3.375%

3.426%

10 Year (0 Points)*

3.125%

3.199%

 

First National Bank of Hartford Mortgages
Adjustable Rates (ARM)
Effective: April 17, 2014

Term

Interest Rate

Annual Percentage Rate

3/1 ARM**

2.750%

3.777%

5/1 ARM*

3.125%

3.153%

7/1 ARM* 3.375% 3.403%
 

New Construction Loans
Effective: April 17, 2014

Term

Interest Rate

Annual Percentage Rate

1 Year

3.500%

4.677%

1 Year - (rate without checking)

3.750%

4.929%


Lot Loans
Effective: April 17, 2014

Term

 Interest Rate

Annual Percentage Rate

1 Year

2.990%

3.502%

3 Year

4.250%

4.438%

 

Home Equity Loans and Lines of Credit

Currently Offering Great Rates and Terms! 

Contact a Lender for Details
 

 
Auto Loan Rate
Person Use Auto Only
Effective: April 17, 2014

Term

 up to 36 months

48 months

60 months

72 months

2014 - 2013 New

3.250% 3.500% 3.750% 4.250% 

2014- 2013 Used

3.500% 3.750% 4.000%  

2012

3.750% 4.000% 4.250%   

2011

4.000% 4.250% 4.500%   

2010

4.500% 4.750%    

2009

4.750% 5.000%     
* 25 basis point reduction on any auto loan which has an automatic payment taken from a checking account at the First National Bank of Hartford. Rates subject to change.

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Fixed Rate Mortgages: Owner occupied purchase and refinance transactions, minimum down payment and credit score requirements and other restrictions may apply. Call for rates on cash out refinances, condominiums, and 2-4 family investment properties.  Payments do not include amounts for taxes and insurance premiums, if applicable; actual payment of obligation may be greater. Rates subject to change at anytime. 

30 Year Payment Example****: APR based on loan amount of $150,000.00 and with a 20% down payment. Monthly payment schedule of 360 payments of $748.93, assuming the closing on the 1st of the month. 

20 Year Payment Example***: APR based on loan amount of $150,000.00 and with a 20% down payment. Monthly payment schedule of 240 payments of $908.97, assuming the closing on the 1st of the month. 

15 Year Payment Example**: APR based on loan amount of $150,000.00 and with a 20% down payment. Monthly payment schedule of 180 payments of $1,063.14, assuming the closing on the 1st of the month. 

10 Year Payment Example*: APR based on loan amount of $150,000.00 and with a 20% down payment. Monthly payment schedule of 120 payments of $1448.41, assuming the closing on the 1st of the month. 

Adjustable Rates (ARM):  Owner occupied purchase and refinance transactions, minimum down payment and credit score requirements and other restrictions may apply. Call for rates on cash out refinances, condominiums, and 2-4 family investment properties.  Payments do not include amounts for taxes and insurance premiums, if applicable; actual payment of obligation may be greater.

3/1 ARM Payment Example**:  APR based on loan amount of $150,000.00 and with a 20% down payment. Monthly payment schedule of 360 payments of $631.60, assuming the closing on the 1st of the month.  Rates may increase after consummation. 

5/1 ARM Payment Example*:  APR based on loan amount of $150,000.00 and with a 20% down payment. Monthly payment schedule of 360 payments of $663.14, assuming the closing on the 1st of the month.  Rates may increase after consummation. 

7/1 ARM Payment Example*:  APR based on loan amount of $150,000.00 and with a 20% down payment. Monthly payment schedule of 360 payments of $684.08, assuming the closing on the 1st of the month.  Rates may increase after consummation.

Home Construction Loans

Home Construction Payment Example:  APR based on loan amount of $150,000.00 and with a 20% down payment.   Interest payment calculated on 31 days in a month.  Interest only.  Rates may increase after consummation. 

Lot Loans

1 Year Lot Loan Payment Example**. APR based on loan amount of $75,000.00 and with a 20% down payment. Monthly payment schedule of 180 payments of $517.58. Rates may increase after consummation. 

3 Year Lot Loan Payment Example*:  APR based on loan amount of $75,000.00 and with a 20% down payment. Monthly payment schedule of 180 payments of $564.21.  Rates may increase after consummation.