Residential Mortgage Loans
| Term | Rate | APR |
| 15 Year Fixed CONVENTIONAL | 5.650% | 5.745% |
| 30 Year Fixed CONVENTIONAL | 5.850% | 5.907% |
| 7 Year Fixed JUMBO | 6.500% | 6.575% |
Note: Conforming Loans are depending upon the Metropolitan area; Rates can be locked for 30 days. Add .50% to Rate for Investment properties. Property must be zoned residential to qualify for these rates. Adjustable Rate Mortgages are available (ARM’s). Contact the Bank for Current rates and options.
Appraisal Fees- $350.00 Credit Report Fee- $15.00Flood Certificate- $15.00 Documentation Preparation Fee- $225.00
Home Equity Loans
| Term | Rate | APR | Floor |
| Home Equity Line of Credit | (Prime plus 1.5%) | 4.750% | 4.990% |
| Home Equity 5 Year Fixed Rate | 6.000% | 6.000% | N/A |
| Home Equity 10 Year Fixed Rate | 6.750% | 6.750% | N/A |
| Home Equity 15 Year Fixed Rate | 7.000% | 7.000% | N/A |
| Home Equity Line (Hybrid) | 5.990% | 5.990% | 5.990% |
| Notes: add .50% to rate if payments are not deducted from a First Bank account. | |||
Home Equity Premier Line of Credit requires minimum $25,000 loan balance plus $5,000 deposit account. Home Equity Loans over $250,000 require Title Insurance, Appraisal and fees may also apply. The Home Equity Credit Line promotional rate converts to prime plus 1% after 5 years.
Consumer Loans| Term | Rate | APR |
Unsecured, up to $25,000 | 12.000% | 12.000% |
| Cash-secured, with deposit at FB | +3.000% over deposit rate | +3.000% over deposit rate |
| Overdraft Protection | 9.000% | 9.000% |
| New Autos | Used Autos | ||||
| Term | Rate | APR | Term | Rate | APR |
| Up to 5 Years | 7.00% | 7.00% | Up to 4 Years | 8.00% | 8.00% |
| NOTES: Add .50% to Rate if payments are not deducted from a First Bank Deposit Account. | |||||
*Fees may reduce earnings.
*Rates are subject to change without notice.
*Must maintain minimum daily balance to obtain disclosed Annual Percentage Yield.
*FDIC insured up to $250,000 through 12/31/13
Updated June 10, 2009
