Lock in guaranteed returns with a savings option designed for stability and planning.
When your business has funds to set aside, stability can make all the difference. Business CDs offer fixed rates that reward longer commitments, giving you a predictable way to grow your savings over time.
Benefits You’ll Love
- Lock in fixed rates for predictable growth
- Earn more with longer-term commitments
- Protect funds with FDIC-insured security
- Avoid ongoing account fees
- Fixed rates, higher than regular savings
- Receive higher rates by selecting a longer term
- Provides more guarantee than other risky investments
- A wide range of terms available (from 3 months to 5 years)
- No setup or maintenance fees
- Early withdrawals subject to penalty1
- FDIC insured
- $1,000 minimum deposit to open
1Early withdrawal may result in penalties based on the term of the Certificate of Deposit
Protect your company’s profits. CDARS® offer FDIC insurance on multi-million dollar balances. Plus, the management of your CDs is handled in full by FNBC Bank & Trust. Better rates and peace of mind — free of any extra effort. Sounds like a smart business strategy, doesn’t it?
- Interest above standard savings, which may compare favorably with other investment alternatives1
- Greater security; multi-million dollar FDIC insurance coverage
- Convenience; everything is managed internally by FNBC:
- One interest rate
- One regular statement
- One year-end tax form
- Flexible maturity periods available
- Helps support lending opportunities within your local community
For more information, please contact us.
1Limits apply. Funds may be submitted for placement only after a depositor enters into a CDARS® Deposit Placement Agreement with us. The agreement contains important information and conditions regarding the placement of funds by us. CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Fixed Rate Mortgage Loans
| Product (Loan amounts up to $832,750) |
Rate | APR3 | Sample Monthly Payment2 (Examples below assume a loan amount of $100,000. Excluding taxes and insurance. Examples for illustrative purposes only) |
||
|---|---|---|---|---|---|
| 30 Year Fixed Rate Mortgage | 6.125% | 6.473% | $607.61 | ||
| 20 Year Fixed Rate Mortgage | 5.875% | 6.331% |
$709.24 |
||
| 15 Year Fixed Rate Mortgage | 5.500% | 6.065% |
$817.08 |
||
| Estimated Payment Amount* | Rate | Months | |||
| 7/1 Adjustable Rate Mortgage | 5.750% | 6.213% | $583.57 | 5.750% | 84 |
| $599.55 | 6.000% | 276 | |||
| 5/1 Adjustable Rate Mortgage | 5.625% | 6.192% | $575.66 | 5.625% | 60 |
| $599.55 | 6.000% | 300 | |||
| 15 Year Balloon | 5.500% | 5.942% | $641.62 | Balloon Payment $49,551.24 | |
Jumbo Loans
| Product
(Loan amounts over $832,750) |
Rate | APR7 | Sample Monthly Payment2 (Examples below assume a loan amount of $850,000. Excluding taxes and insurance. Examples for illustrative purposes only) |
||
|---|---|---|---|---|---|
| 30 Year Fixed Rate Mortgage Jumbo | 6.250% | 6.320% | $5,233.60 | ||
| 15 Year Fixed Rate Mortgage Jumbo | 6.250% | 6.366% | $7,288.09 | ||
| Estimated Payment Amount* | Rate | Months | |||
| 7/1 Adjustable Rate Mortgage Jumbo | 5.500% | 5.812% | $4,826.21 | 5.500% | 84 |
| $5,096.18 | 6.000% | 276 | |||
| 5/1 Adjustable Rate Mortgage Jumbo | 5.625% | 5.920% | $4,893.08 | 5.625% | 60 |
| $5,096.18 | 6.000% | 300 | |||
| 15 Year Balloon Jumbo | 6.250% | 6.342% | $5,871.12 | Balloon Payment $426,851.00 | |
| 30 Year Fixed Rate Mortgage Jumbo | |
|---|---|
| Rate | 2.625% |
| APR7 | 2.644% |
| Sample Monthly Payment2 (Examples below assume a loan amount of $800,000. Excluding taxes and insurance. Examples for illustrative purposes only) |
$2,811.55 |
| 15 Year Fixed Rate Mortgage Jumbo | |
| Rate | 2.625% |
| APR7 | 2.661% |
| Sample Monthly Payment2 (Examples below assume a loan amount of $700,000. Excluding taxes and insurance. Examples for illustrative purposes only) |
$4,708.83 |
| 7/1 Adjustable Rate Mortgage Jumbo | |
| Rate | 2.625% |
| APR7 | 2.644% |
| Sample Monthly Payment2 (Examples below assume a loan amount of $700,000. Excluding taxes and insurance. Examples for illustrative purposes only) |
$2,811.55 |
| 2.625% | |
| undefined | 84 |
| $2,824.43 | |
| Rate | 2.700% |
| APR7 | 276 |
*Disclaimer: Monthly payments shown are principal and interest only and do not include PMI, taxes, insurance, or other applicable escrows. Actual payment obligation may be greater. Adjustable-rate mortgages have interest rates which are subject to increase after consummation. Estimated future payments shown are based on current index plus margin (1yr. CMT plus 2.25%) rounded to the nearest. 0.125%. Actual payments will reflect the then applicable index/margin at each re-pricing interval, which may be higher than the estimates shown above.
FEE SCHEDULE
Note: This fee schedule does not include third party closing costs such as hazard insurance and recording fees. Charges are based on a purchase transaction.
|
Item |
Fee |
|
Title Charges |
$2,273.00-$2,923.00** |
|
Origination Fee |
$650.00 |
|
Appraisal Fee |
$575.00-$1,000.00** |
|
Tax Service Fee (non-escrowing) |
$61.00 |
|
Flood Certification Fee |
$13.50 |
|
Credit Report Fee |
$200.00 |
|
Employment Verification Fee |
$350.00 |
**Depending on property type.
Learn More
For more information about mortgage loans from FNBC Bank & Trust, please contact:
Tamara Powers NMLS ID: 1515324 or Candace Racz NMLS ID: 525850
Call 708-482-7700 or email [email protected]*
FNBC Bank & Trust NLMS ID: 512329
*The Bank strongly recommends that customers do not send their Social Security numbers, bank account information or other confidential information by email.
Important Disclosures, Assumptions & APR Information
GENERAL DISCLOSURES
1. Information displayed is accurate as of the date of the effective date and is subject to change without notice. Other restrictions may apply.
2. The monthly payment amount displayed includes principal, interest and does not include mortgage insurance. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment.
3. The displayed Annual Percentage Rate (APR) for the loan products shown reflects the interest rate and applicable closing costs. APR calculations based on a $100,000 loan amount for conventional mortgages inclusive of $2,273.00 title charges, $650.00 origination fee, $61.00 tax service fee, $13.50 flood determination fee, $350 verification of employment fee, and 15 days prepaid interest. The above rates are based on a servicing retained option that meets all satisfactory underwriting. Pricing, closing costs, and corresponding APRs may vary.
4. Mortgage interest rates shown are based on a 45-day rate lock period. Under certain circumstances, a 45-day rate lock may not be available. Contact one of our Loan Officers for more details.
5. These mortgage rates are based on a variety of underwriting guidelines and qualification assumptions. Your loan interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.
6. THE ESTIMATED TOTAL CLOSING COSTS ABOVE DO NOT CONSTITUTE AND ARE NOT A SUBSTITUTE FOR A LOAN ESTIMATE, WHICH INCLUDES AN ESTIMATE OF CLOSING COSTS THAT YOU WILL RECEIVE ONCE YOU APPLY FOR A LOAN. This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs and monthly payment on your specific loan transaction may vary, and may include city, county or other additional fees and costs.
7. The displayed Annual Percentage Rate (APR) for the loan products shown reflects the interest rate and applicable closing costs. APR calculations based on a $850,000 loan amount for Jumbo mortgages inclusive of $2,923.00 title charges, $650.00 origination fee, $61.00 tax service fee, $13.50 flood determination fee, $350 verification of employment fee, and 15 days prepaid interest. The above rates are based on a servicing retained option that meets all satisfactory underwriting. Pricing, closing costs, and corresponding APRs may vary.
8. The 15-year Balloon Mortgage product will result in a remaining principal balance equal to approximately 50% of the original loan amount at the end of the 15-year term. All Balloon Mortgage products must be paid in full or refinanced at maturity. Refinancing requires new credit approval and not guaranteed.