Loan Rates Disclosures

Standard Home Equity Line of Credit

Offer is based upon loans $10,000 to $500,000, a loan to value up to 89% on an owner-occupied primary residence, subject to credit approval, and cannot be a purchase money mortgage. Your Annual Percentage Rate (APR) may be higher based on a review of your credit application. The APR is a variable rate based on Wall Street Journal Prime Rate (6.75% current as of December 11, 2025) plus or minus a margin (currently as low as Prime Rate  0.49%, or 6.26%). The maximum rate is 18% and the product floor rate is 2.99%. Prime may change at any time and is subject to change without notice. Offer does not apply to interest only home equity lines of credit. An Annual Fee of $50 will be charged to your credit line. Taxes and property insurance are always required and flood insurance is required where necessary. If a deed transfer is necessary, title insurance and attorney’s fees may be required. Consult your tax advisor about the deductibility of interest. Other rates and terms are available. Offer subject to change or withdrawal at any time.

Standard Home Equity Installment Loan

Offer is based upon first and second lien loans $10,000 to $500,000, a loan to value up to 89% on an owner-occupied primary residence, subject to credit approval, and cannot be a purchase money mortgage. Your Annual Percentage Rate (APR) may be higher based on a review of your credit application. In order to receive the offered rate automatic payment from a First Commonwealth Bank checking account is required. Processing fee is $75. Third Party fees range from $279 to $1,055. Payments do not include taxes and insurance, and the actual payment obligation will be greater. Property insurance is required. Consult your tax advisor about the deductibility of interest. Other rates and terms are available. Offer subject to change or withdrawal at any time.

Standard Personal Access Line of Credit

Annual Percentage Rate (APR) shown is available to well qualified applicants for personal unsecured variable-rate lines of credit of $1,000 to $25,000, and subject to credit approval. Your APR may be higher than this rate and will be based upon multiple factors such as the current variable rate index value, margin, credit qualifications, etc. The APR is a variable rate based on Wall Street Journal Prime Rate (6.75% current as of December 11, 2025) plus or minus a margin (currently as low as 12.75%). The minimum APR will be 7.00%. The maximum rate is 18.00%. Prime may change at any time and is subject to change without notice. An Annual Fee of $50 will be charged to your credit line. Other rates and terms are available. Offer subject to change or withdrawal at any time.

Standard Variable Rate Unsecured Installment Loan

Annual Percentage Rate (APR) shown is available to well qualified applicants for personal unsecured variable-rate loans of $2,000 to $25,000, and subject to credit approval. Your APR may be higher than this rate and will be based upon multiple factors such as the current variable rate index value, margin, credit qualifications, etc. The APR is a variable rate based on Wall Street Journal Prime Rate (6.75% current as of December 11, 2025) plus or minus a margin (currently as low as 12.75%). The minimum APR will be 7.00%. The maximum rate is 18.00%. Prime may change at any time and is subject to change without notice. Processing fee is $75. Other rates and terms are available. Offer subject to change or withdrawal at any time.

Standard Fixed Rate Unsecured Installment Loan

Annual Percentage Rate (APR) shown is available to well qualified applicants for personal unsecured variable-rate loans of $2,000 to $25,000, and subject to credit approval. Your APR may be higher than this rate and will be based upon multiple factors such as the current variable rate index value, margin, credit qualifications, etc. The minimum APR will be 7.00%. The maximum rate is 18.00%. Prime may change at any time and is subject to change without notice. Processing fee is $75. Other rates and terms are available. Offer subject to change or withdrawal at any time.