Home Equity

• Competitive rates for several short-term or one-time needs:
  • Major life events
  • Home remodel projects
  • Debt consolidation
  • And much more
• The existing equity in your home is used as collateral backing
• Accommodating repayment terms that work uniquely for you
• The interest paid might be tax deductible¹
• Helpful, customized service throughout the process
• Attentive, friendly service from start to finish

¹Consult a tax advisor

• No application fees
• No closing costs
• Convenient 30-year Term:
• 10-year Draw Period
• 20-year Repayment Period
• Standard Rates¹:
• $0.00 - $99,999.99 = Prime +1% (currently 7.750% APR)
• $100,000.00 - $249,999.99 = Prime + 0.50% (currently 7.250% APR)
• $250,000.00+ = Prime (currently 6.750% APR)
• Special Introductory Rates:
• 4.99% APR for the first 6 months^1,2
• 2.99% APR for the first 6 months^1,2,3

Additional Terms and Conditions: Offer valid for owner-occupied dwellings only and subject to credit approval. Minimum loan amount of $10,000. Early closure fee of $500 if loan is closed within the first 24 months. No annual fee the first year, $75 annual fee thereafter. Property insurance is required. Flood hazard insurance may be required. Some restrictions may apply. Offer may change or be withdrawn at any time without notice. Consult a tax advisor for information regarding the deductibility of interest and charges.

¹Interest rate is variable based on The Wall Street Journal Prime Rate. The minimum APR will be 4.50% and can change monthly. There is no limit on the amount by which the APR can change during the term of the loan. However, under no circumstances will your APR exceed 21.00% per annum at any time during the term of the loan. 

²Applicant will receive the 4.99% Introductory Rate during the initial 6-month special introductory period if Applicant establishes and maintains a checking account (“Account”) with Lender that meets at least one of the following criteria (“Qualifying Criteria”): a) payments on the Home Equity Line of Credit are automatically debited from the Account or b) the Applicant maintains an average minimum balance of $5,000 in the Account which shall be measured at the end of each month or c) the Applicant establishes and maintains a direct deposit of payroll or other continuing income source into the Account or d) the Applicant establishes and maintains online banking and e-statements for the Account. If the Applicant fails to meet at least one of the above criteria the Introductory Rate shall be revoked. After the 6-month special introductory period, rates will follow the standard rate schedule as listed above.

³Applicant will receive the 2.99% Introductory Rate during the initial 6-month special introductory period if Applicant establishes and maintains an Account with Lender that meets at least one of the Qualifying Criteria listed above and Applicant’s income is less than 80% of the county area median income level as set by the Federal Housing Finance Agency (FHFA) annually, or the collateral property is located in a low-to-moderate income census tract within FNBC Bank & Trust’s Assessment Area. After the 6-month special introductory period, rates will follow the standard rate schedule as listed above.

APRs are current as of December 11, 2025.