For a limited time, First National Bank and Trust is offering these great product specials! 


Home Equity Loan: 3.99% APR 1

  • Rates as low as 3.99% APR
  • Fixed rate and 5-year term
  • Online Applications
  • Local decisions for quick turnaround

Sound good?​​

Home Equity Line of Credit: 3.99% APR 90-day Introductory Offer2

  • 3.99% APR 90 day introductory offer
  • Online Applications
  • Local decisions for quick turnaround

Sound good?​​


Auto Loan: 3.99% APR 3

  • Rates as low as 3.99% APR
  • Minimum loan amount of $5,000
  • Flexible terms up to 60 months
  • Online Applications
  • Local decisions for quick turnaround

Sound good?​​


Platinum Savings: 1.35% APY for first 12 months4

  • Minimum balance of $25,000
  • No penalty for withdrawals
  • Add money at any time
  • Competitive tiered rates after 12 month introductory period

Sound good?​​


1 All loans are subject to credit approval and full income verification. This is a fixed rate loan with a five year term. Principal and Interest (P&I) payments are estimated based on interest rate, loan balance, and 5-year term. Payments do not include taxes or insurance. Annual percentage rate of 3.99% is based on a credit score of 720 or better and is accurate as of June 15, 2017. Actual payments may vary and could be higher based on loan amount and credit score. For 60 month term payments at 3.99% APR, the monthly payment would be $18.41 per $1,000. Rates are subject to change based on market conditions and borrower eligibility. Home Equity loans are only available in Illinois and Wisconsin. Rate offer excludes loans already financed with FNBT. Equal Housing Lender. Member FDIC.

2 
All loans are subject to credit approval and full income verification. The Home Equity Line of Credit at 3.99% Annual Percentage Rate (APR) is effective for applications taken between 7/15/17 – 9/30/17 and must be for a minimum of $10,000, new money only – no internal refinances, based on a 120-month maturity.The Home Equity Line of Credit special rate is effective until 90 days after the loan origination date, after which the rate is variable. As of 6/22/17 the APR is between Prime plus .25 and Prime plus 4.25.The actual rate and loan- to-value (LTV) you will receive depends on credit qualifications, minimum payment option selected, loan-to-value and size of line. The annual fee for lines is $35. Maximum APR is 18%. For residential single homes only, the maximum loan-to-value ratio is 80% of the appraised value of the house. Closing fees ranging from $250-$750 may apply. Balloon payment will be due at the end of the loan term.

Sample Payments 
Line Amount $20,000 $10,000 APR*
Interest Only Monthly Payment $66.50 $33.25 3.99%

3 All loans are subject to credit approval and full income verification. Annual Percentage Rate (APR) is effective as of July 10, 2017. Rates as low as 3.99% APR up to 60 months and minimum loan amount of $5,000. Rate may vary based on credit score. For 60 month term payments at 3.99% APR, the monthly payment would be $18.41 per $1,000. Auto loans currently financed through First National Bank and Trust cannot be refinanced with this offer. Offer subject to change without notice.

4 Offer is non-transferable. Funds to open Platinum Savings may not currently be deposited at First National Bank and may not be public funds. Minimum balance of $25,000 is required to open account and earn introductory rate of 1.35% APY for first 12 months. After the introductory period ends, you will earn a tiered interest rate based on the account balance. Rate tiers are variable and are in effect as of July 13, 2017 and are subject to change at any time. If balance falls below minimum requirement, rate will adjust to standard savings rate on that day and any day the balance remains below. As of July 13, 2017, standard savings rate is 0.02% APY.Standard savings withdrawal restrictions apply. Offer is subject to end at anytime but no later than August 31, 2017. Member FDIC.