T Winter is coming ... With minor improvements or upgrades you can save yourself money over the winter months. Hurry in to apply for a NO FEE* Home Equity Loan or Line of Credit to help prepare your home for winter. Visit or call your local branch to talk with a lender today! 888-759-2266 or 570-752-3671 *No Closing Costs offer is available as of November 1, 2022 and is subject to be terminated without notice. Closing costs waived during promotion include appraisal (up to $500). flood determination, credit report, property and bringdown searches, and recording fees. "Homeline" annual fee of $25 is also waived for the first year. Minimum loan/line amount is $10,000 up to $150,000, secured by 1-4 family, owner-occupied residential property with a maximum loan-to-value of 80%. Not available as a subordinate lien behind another financial institution. For "Homeline" home equity lines of credit, interest rate is variable, based on Wall Street Journal Prime Rate minus 0.25% with interest-only payments automatically debited from FKCB checking account. Maximum line rate is 18% Property Insurance required. Subject to credit and collateral approval. NMLS# 439268. K First COMMUNITY BANK Yesterday's Traditions. Tomorrow's Vision. FDIC LENDER Member www.fkc.bank T Winter is coming ... With minor improvements or upgrades you can save yourself money over the winter months . Hurry in to apply for a NO FEE * Home Equity Loan or Line of Credit to help prepare your home for winter . Visit or call your local branch to talk with a lender today ! 888-759-2266 or 570-752-3671 * No Closing Costs offer is available as of November 1 , 2022 and is subject to be terminated without notice . Closing costs waived during promotion include appraisal ( up to $ 500 ) . flood determination , credit report , property and bringdown searches , and recording fees . " Homeline " annual fee of $ 25 is also waived for the first year . Minimum loan / line amount is $ 10,000 up to $ 150,000 , secured by 1-4 family , owner - occupied residential property with a maximum loan - to - value of 80 % . Not available as a subordinate lien behind another financial institution . For " Homeline " home equity lines of credit , interest rate is variable , based on Wall Street Journal Prime Rate minus 0.25 % with interest - only payments automatically debited from FKCB checking account . Maximum line rate is 18 % Property Insurance required . Subject to credit and collateral approval . NMLS # 439268 . K First COMMUNITY BANK Yesterday's Traditions . Tomorrow's Vision . FDIC LENDER Member www.fkc.bank