Rates

Contents

Deposit Rates

Consumer Loan Rates

Home Equity Loan Rates

Mortgage Rates

Community Improvement Loan Rates

These loan rates are limited to loans for repairs or improvements mandated by a Municipality, Borough or County.

Deposit Rates

Certificates of Deposit

Effective May 31, 2023

Personal CD Special
Term
Interest Rate
APY* Growth CD1
APY* Income CD2
Minimum to Open
9-Month CD Special**
4.88
5.00
4.88
$500.00
$500.00 Minimum
Term
Interest Rate
APY* Growth CD1
APY* Income CD2
Minimum to Open
3 - 5 months
0.20
0.20
0.20
$500.00
6 - 11 months
0.25
0.25
0.25
$500.00
12 - 17 months
3.44
3.50
3.44
$500.00
12 Month Flex 12 CD
0.25
0.25
NA
$250.00
18 - 23 months
3.44
3.50
3.44
$500.00
24 - 35 months
3.44
3.50
3.44
$500.00
36 - 47 months
0.99
1.00
0.99
$500.00
48 - 59 months
1.09
1.10
1.09
$500.00
60 months
1.24
1.25
1.24
$500.00
$100,000.00 Minimum
Term
Interest Rate
APY* Growth CD1
APY* Income CD2
Minimum to Open
30 - 59 days
0.10
0.10
0.10
$100,000.00
60 - 89 days
0.10
0.10
0.10
$100,000.00
3 - 5 months
0.20
0.20
0.20
$100,000.00
6 - 11 months
0.25
0.25
0.25
$100,000.00
12 - 17 months
3.44
3.50
3.44
$100,000.00
12 Month Flex 12 CD
0.25
0.25
NA
$100,000.00
18 - 23 months
3.44
3.50
3.44
$100,000.00
24 - 35 months
3.44
3.50
3.44
$100,000.00
36 - 47 months
0.99
1.00
0.99
$100,000.00
48 - 59 months
1.09
1.10
1.09
$100,000.00
60 months
1.24
1.25
1.24
$100,000.00

Note: All rates subject to change. For the most current information, contact our Customer Service Center at 215-538-5600 or 1-800-491-9070 or visit your local branch office.

*APY = Annual Percentage Yield
**$250,000 maximum deposit limit applies per depositor. Available to personal consumers and excludes business, trust, and municipal accounts.

1Compounded interest
2Simple interest paid at an annual rate

No minimum balance requirements. Early withdrawal penalties may apply. Fees may reduce earnings.


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Checking, Money Market, Savings

Checking, Savings and Money Market accounts are all Variable Rate Accounts. The interest rates may vary. Fees may reduce earnings. *APY = Annual Percentage Yield

Effective May 31, 2023

Interest Rates & Yields
  Interest Rate APY* Minimum to Open
Personal Interest Checking 0.05 0.05 $25.00
Business Interest Checking
0.10
0.10
$25.00
Business Community Service Checking
0.10
0.10
$25.00
Personal QNB-Rewards Checking
 
 
$25.00
$0.01 - $24,999.991
1.24
1.25
 
$25,000 and over2
0.35
0.35
 
Base Rate3
0.10
0.10
 
Personal Select Money Market
 
 
$25.00
$0.01 - $9,999.99
0.35
0.35
 
$10,000 - $24,999.99
0.40
0.40
 
$25,000 - $49,999.99
0.45
0.45
 
$50,000 - $74,999.99
0.55
0.55
 
$75,000 and over
0.70
0.70
Personal High Yield Money Market
 
 
$25.00
$0.01 - $99,999.99
0.01 0.01  
$100,000 - $249,999.99
3.25 3.30
 
$250,000 - $499,999.99
3.68 3.75
 
$500,000 - $749,999.99
3.73
3.80
 
$750,000 - $999,999.99 3.78 3.85  
$1,000,000 - $1,499,999.99 4.36 4.45  
$1,500,000 - $2,499,999.99 4.41 4.50  
$2,500,000 and over
4.45 4.55
Business Select Money Market     $25.00
$0.01 - $9,999.99 0.50 0.50  
$10,000 - $24,999.99 0.55 0.55  
$25,000 - $49,999.99 0.80 0.80  
$50,000 - $74,999.99 1.14 1.15  
$75,000 and over 1.39 1.40  
Business High Yield Money Market
 
 
$25.00
$0.01 - $99,999.99
0.01 0.01  
$100,000 - $249,999.99
3.25 3.30
 
$250,000 - $499,999.99
3.68 3.75
 
$500,000 - $749,999.99
3.73
3.80
 
$750,000 - $999,999.99 3.78 3.85  
$1,000,000 - $1,499,999.99 4.36 4.45  
$1,500,000 - $2,499,999.99 4.41 4.50  
$2,500,000 and over
4.45 4.55
Business Index Sweep
 
 
 
$0.01 - $499,999.99 3.10 3.15  
$500,000 - $1,499,999.99 3.59 3.65  
$1,500,000 - $2,999,999.99 4.07 4.15  
$3,000,000 and over 4.31 4.40  
Business Escrow Money Market
 
 
 
$0.01 - $1,499.99 0.20 0.20  
$1,500 and over 0.35 0.35  
Personal & Business Statement Savings
0.10
0.10
$5.00
Personal EZ Saver Clubs
0.10
0.10
$5.00
Personal Online eSavings
1.64
1.65
$5.00
Individual/Family Health Savings
 
 
$25.00
$0.01 - $4,999.99
0.20
0.20
 
$5,000 and over
0.35
0.35
 

Checking, Savings and Money Market accounts are all Variable Rate Accounts. The interest rates may vary. Fees may reduce earnings.

*APY = Annual Percentage Yield

1Balances up to $24,999.99 receive Rewards Interest Rate if the following qualifications are met each monthly cycle: 1) At least 1 ACH auto debit or direct deposit post and settle. 2) At least 12 QNB Check Card purchases post and settle. 3) Receive eStatements via QNB Online & Mobile Banking.
2$25,000 and above receive regular interest rate of 0.35% resulting in an APY that ranges from 1.25% - 0.53% if qualifications are met depending on the balance in the account. Base rate of 0.10% APY applies to all balances if qualifications are not met.
3Base Interest Rate applies to all balances if qualifications are not met.

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Consumer Loan Rates

Personal Loans

Effective May 4, 2023

Fixed Rate - Unsecured APR* w/Auto Deduct APR* w/o Auto Deduct Credit Limit
Up to 36 Months
13.00
13.50
Up to $5,000
Up to 36 Months
13.00
13.50
$5,001 - $10,000**
37 to 60 Months 13.50 14.00
61 to 72 Months 14.00 14.50
Lines of Credit - Unsecured
  APR* Credit Limit
Personal Line of Credit 12.25 Revolving up to $5,000
Overdraft Line of Credit 12.25 Revolving up to $2,000

*APR = Annual Percentage Rate

**Borrower is required to have a credit score of 720+, own real estate and be a QNB customer.

For a payment example, use the LOAN CALCULATOR and enter your selected dollar amount, term and Annual Percentage Rate.


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Automobile Loans

Effective May 4, 2023

Credit Score
>720
680 - 719
650 - 679
New - 2022 - 2023
APR*
6.00% (6.50%)
6.75% (7.25%)
8.25% (8.75%)
Term
6 year max
6 year max
6 year max
Loan-to-Value
100%
80%
80%
2020 - 2022
APR*
6.00% (6.50%)
7.00% (7.50%)
8.50% (9.00%)
Term
5 year max
5 year max
5 year max
Loan-to-Value
100%
80%
80%
2018 - 2019
APR*
7.00% (7.50%)
7.50% (8.00%)
9.25% (9.75%)
Term
4 year max
4 year max
4 year max
Loan-to-Value
80%
80%
80%
2016 - 2017
APR*
8.00% (8.50%)
8.50% (9.00%)
10.25% (10.75%)
Term
3 year max
3 year max
3 year max
Loan-to-Value
80%
80%
80%
2013 - 2015
APR*
9.00% (9.50%)
10.00% (10.50%)
10.75% (11.25%)
Term
3 year max
3 year max
3 year max
Loan-to-Value
75%
75%
75%

*APR = Annual Percentage Rate. First APR listed is auto deduct rate and APR in parentheses is non-auto deduct rate.

*** Customer will be responsible for encumbrance fee of $86.00 ***

***Vehicle value calculated on Sales Price, CarFax, or Book Retail value - whichever is Less***

For a payment example, use the LOAN CALCULATOR and enter your selected dollar amount, term and Annual Percentage Rate. 


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Motorcycle Loans

Effective May 4, 2023

Credit Score
>720
680 - 719
650 - 679
New - 2022 - 2023
APR*
8.99% (9.49%)
9.49% (9.99%)
9.99% (10.49%)
Term
5 year max
5 year max
5 year max
Loan-to-Value
80%
80%
80%
2021 - 2022
APR*
9.74% (10.24%)
10.24% (10.74%)
10.74% (11.24%)
Term
5 year max
5 year max
5 year max
Loan-to-Value
80%
80%
80%
2019 - 2020
APR*
9.99% (10.49%)
10.49% (10.99%)
10.99% (11.49%)
Term
4 year max
4 year max
4 year max
Loan-to-Value
80%
80%
80%
2017 - 2018
APR*
10.99% (11.49%)
11.49% (11.99%)
11.99% (12.49%)
Term
3 year max
3 year max
3 year max
Loan-to-Value
80%
80%
80%
2013 - 2016
APR*
12.99% (13.49%)
13.49% (13.99%)
13.99% (14.49%)
Term
3 year max
3 year max
3 year max
Loan-to-Value
70%
70%
70%

*APR = Annual Percentage Rate. First APR listed is auto deduct rate and APR in parentheses is non-auto deduct rate.

***Customer will be responsible for encumbrance fee of $86.00***

***Vehicle value calculated on Sales Price, CarFax, or Book Retail value - whichever is Less***

***Customer is required to carry Comp and Collision insurance year round***


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Fixed Rate Term Loans (with Securities Held as Collateral)

Effective May 4, 2023

Term Rate w/ Auto Deduct Rate w/o Auto Deduct Maximum Loan-to-Value
Up to 36 Months 6.00% 6.50% 75%
37 - 60 Months 6.00% 6.50% 75%
61 - 84 Months 6.00% 6.50% 75%
85 - 120 Months 6.25% 6.75% 75%
121 - 180 Months 6.50% 7.00% 75%
181 - 240 Months 7.75% 8.25% 75%

 


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Home Equity Loan Rates

Fixed Rate Home Equity

Effective May 4, 2023

Term APR1 w/Auto Deduct APR1 w/o Auto Deduct Maximum Loan-to-Value
Up to 36 months 6.00% 6.50% 80%
37 - 60 months 6.50% 7.00% 80%
61 - 84 months 6.50% 7.00% 80%
85 - 120 months 6.75% 7.25% 80%
121 - 180 months 7.00% 7.50% 80%
181 - 240 months 7.50% 8.00% 80%

1Annual Percentage Rate (APR); rates are subject to change without notice.

Approval is subject to credit worthiness. The monthly payment per $1,000 borrowed at an APR of 6.750% for 120 months would be $11.48. There are no closing costs. Borrower must pay mortgage satisfaction fees at loan termination. Property insurance is, and flood insurance may be, required.

For a payment example, use the LOAN CALCULATOR and enter your selected dollar amount, term and Annual Percentage Rate.


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Equity Choice - Home Equity Line of Credit - Interest Only

Effective May 4, 2023

Term APR1 w/Auto Deduct APR1 w/o Auto Deduct Maximum Loan-to-Value
10 Year Draw Period 8.25% 8.75% 80%

Equity Choice is a variable rate line of credit secured by your primary residence. Subject to credit approval and other factors.

1Annual Percentage Rates (APRs); rates subject to change without notice. The maximum APR is 18%. The Annual Percentage Rate may vary. APR based on the Prime Rate as published in “The Wall Street Journal” — currently 8.25% APR with automatic payment from a QNB checking or savings account, 8.75% APR without automatic payment.

Borrower must pay mortgage satisfaction fees at loan termination. No annual fee. 2 conversions permitted per year with a conversion fee up to $75 for fixed portion, fee is waived if conversion occurs at loan origination. Property insurance is, and flood insurance may be, required.

For a payment example, use the LOAN CALCULATOR and enter your selected dollar amount, term and Annual Percentage Rate.


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Mortgage Rates

Land Purchase Loans

Effective May 4, 2023

Loan Type
APR* w/Auto Deduct
APR* w/o Auto Deduct
Maximum Term
Maximum Loan-to-Value
Land Purchase
9.50
10.00
Up to 120 months
65%

*APR = Annual Percentage Rate

For a payment example, use the LOAN CALCULATOR and enter your selected dollar amount, term and Annual Percentage Rate. 

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Manufactured Home Loans (Refinance Only)

Effective May 4, 2023

Manufactured Home Loans
Year Made Term Rate* w/Auto Deduct Rate* w/o Auto Deduct Maximum Loan-to-Value
2020 - 2023
Up to 120 Months
9.74
10.24
70%
2020 - 2023
121 - 240 Months
9.99
10.49
70%
2015 - 2019
Up to 120 Months
10.99
11.49
70%
2008 - 2014
Up to 120 Months
10.99
11.49
60%

*APR = Annual Percentage Rate

For ALL Manufactured Loans - the borrower is responsible for all fees - $378.00

For ALL Manufactured Loans - Home must be 15 years old or less

For a payment example, use the LOAN CALCULATOR and enter your selected dollar amount, term and Annual Percentage Rate.


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Community Improvement Loans

Unsecured Fixed Rate Loan (Community Improvement Loan)

Effective May 4, 2023

These loan rates are limited to loans for repairs or improvements mandated by a Municipality, Borough or County.

Credit Score
>720 680 - 719 620 - 679
Loan Amount (Term up to 5 years)
$100 to $5,000 - Auto Deduct
7.00%  8.00% 9.00%
$100 to $5,000 - Non-Auto Deduct
7.50% 8.50% 9.50%
Loan Amount (Term 6 to 7 years)
$5,001 to $7,500 -  Auto Deduct
9.00% 10.00% 11.00%
$5,001 to $7,500 - Non-Auto Deduct
9.50% 10.50%  11.50%
Loan Amount (Term 8 to 10 years)
$7,501 to $10,000 - Auto Deduct 11.00% 12.00% 12.25%
$7,501 to $10,000 - Non-Auto Deduct 11.50% 12.50% 12.75%

*** DTI = Debt-to-Income ratio - 48% maximum ***

*** Written estimates for excavation, installation fee and/or hook-up fee required at application ***

Unsecured Personal Line of Credit (Community Improvement Loan)

Effective May 4, 2023

These loan rates are limited to loans for repairs or improvements mandated by a Municipality, Borough or County.

12.25% Revolving $100.00 up to $7,500

5 year Draw/5 year Amortization - 4.00% Outstanding balance monthly payment  -  DTI - 48%

*** Written estimates for excavation, installation fee and/or hook-up fee required at application ***

Fixed Rate Home Equity (Community Improvement Loan)

Effective May 4, 2023

These loan rates are limited to loans for repairs or improvements mandated by a Municipality, Borough or County.

Term Rate w/Auto Deduct Rate w/o Auto Deduct Maximum Loan-to-Value
Up to 60 months 6.50% 7.00% 85%
61 - 120 months 6.75% 7.25% 85%
121 - 180 months 7.00% 7.50% 85%

Up to $10,000 Maximum Loan Amount/No minimum - DTI - 48%

*** Written estimates for excavation, installation fee and/or hook-up fee required at application ***

Equity Choice - Home Equity Line of Credit - Interest Only (Community Improvement Loan)

Effective May 4, 2023

These loan rates are limited to loans for repairs or improvements mandated by a Municipality, Borough or County.

Term Rate w/Auto Deduct Rate w/o Auto Deduct Maximum Loan-to-Value
10 Year Draw Period 8.25% 8.75% 80%

Up to $10,000 Maximum Loan Amount/No minimum - DTI - 48%

Rates are subject to change.  Approval is subject to credit worthiness.

*** Written estimates for excavation, installation fee and/or hook-up fee required at application ***


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