The Farmers National Bank is a charge card from Farmers National Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is If the entire new balance is not paid by the due date: 25.49% variable for purchases and balance transfers, 28.49% variable for cash advances; varies with the Prime Rate (disclosure accurate as of October 13, 2026, based on a 6.75% Prime Rate). Rewards: Unlimited 1x point on every net dollar spent; points also earned on employee card purchases; account must be open and in good standing to access reward points. Loan terms: Charge card: all purchases, balance transfers, cash advances, finance charges and fees must be paid in full each month by the statement due date. Underwritten by TCM Bank, N.A. (subsidiary of ICBA Payments). Community bank white-label card program. Bureau pull data not publicly verified. Processed by TCM Bank (ICBA). Primary bureau pull is Experian per myFICO community reports (https://ficoforums.myfico.com/t5/Credit-Cards/TCM-Bank-credit-cards-any-thoughts/td-p/6303273). TCM Bank is a subsidiary of ICBA Payments serving 750+ community banks and 530K+ customers. State-by-state breakdown estimated based on similar community bank processors — no crowdsourced state-level data exists for TCM specifically.