We post our rates as a convenience to our customers in making financial decisions.  Realize that rates are subject to change without notice.  Feel free to use our Financial Calculators to weigh your options and contact us with questions or to open an account.   Rates may vary based on customer's credit score.   Repayment terms - the number, timing and amount of payments such as the exact repayment schedule, an example of a typical extension of credit and all applicable terms are available from a loan officer. 

Loan Rates

Rates listed as an APR (Annual Percentage Rate).

Rates last updated on 9/24/2008
Auto Rates
Loan Amount APR
$1,000 to $4,999 11.50%*
$5,000 to $9,999 8.15% to 8.25%*
$10,000 to $19,999 6.75% to 6.95%*
$20,000 to $29,999 6.15% to 6.35%*
$30,000 to $49,999 5.85% to 5.95%*
$50,000 and over 5.70% to 5.80%*
*Rate may vary based on the term of the loan. Please contact us for more details.

Motorcycles, Boats, RV's, etc.
Loan Amount APR
$1,000 to $4,999 11.80%*
$5,000 to $9,999 8.75% to 8.85%*
$10,000 to $19,999 7.15% to 7.45%*
$20,000 to $29,999 6.60% to 6.90%*
$30,000 to $49,999 6.30% to 6.60%*
$50,000 and over 6.10% to 6.40%*
*Rate may vary based on the term of the loan. Please contact us for more details.

Unsecured Loans
Loan Amount APR
$1,000 to $2,499 12.75%*
$2,500 to $4,999 10.75%*
$5,000 to $9,999 9.75%*
$10,000 to $19,999 8.50%*
$20,000 and over 8.25%*

Home Equity Lines of Credit (120 Month Revolving Line of Credit)
Loan Amount APR
$5,000 to $24,999 Prime Rate + 3.00%
$25,000 to $49,999 Prime Rate + .50%
$50,000 to $74,999 Prime Rate
$75,000 and over Prime Rate - .25%
*The APR (Annual Percentage Rate) for Home Equity Lines of Credit may vary depending on the prime rate. 18% maximum APR, $25.00 Annual Fee. Click here for further disclosures.

Home Equity Term Loans
Loan Amount APR
$5,999 to $9,999 9.85%*
$10,000 to $19,999 8.15%*
$20,000 to $29,999 6.80%*
$30,000 to $49,999 6.10%*
$50,000 to $75,000 5.80%*
$75,001 and over 5.60%*


Copyright 2007 - First National Bank and Trust Company - Headquartered in Beloit, Wisconsin Security & Privacy | Contact Us | Connection

Member FDIC.   Equal Housing Lender.