Rates

Deposit Rates

Certificates of Deposit
Checking, Money Markets, Savings

Consumer Loan Rates

Automobile
Fixed Rate Term Loan (Securities Held as Collateral)
Home Equity
Investment Properties (Check Fixed Rate Mortgages)
Land Purchase
Manufactured Home
Motorcycle
Personal

Community Improvement Loan Rates

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

Unsecured Fixed Rate Loan
Unsecured Personal Line of Credit
Fixed Rate Home Equity
Equity Choice-Home Equity Line of Credit - Interest Only

Mortgage Rates

Fixed Rate, Adjustable Rate, Hybrid Mortgages

Certificates of Deposit Effective July 24, 2017
Term	Interest Rate	*APY Growth CD**	*APY Income CD**	Minimum to Open
$500.00 Minimum


3 - 5 months	.20	.20	.20	$500.00
6 - 11 months	.25	.25	.25	$500.00
12 - 17 months	.35	.35	.35	$500.00
12 Month Flex 12 CD	.30	.30	NA	$250.00
18 - 23 months	.50	.50	.50	$500.00
24 - 35 months	.65	.65	.65	$500.00
36 - 47 months	.75	.75	.75	$500.00
48 - 59 months	1.19	1.20	1.19	$500.00
60 months	1.83	1.85	1.83	$500.00
$100,000.00 Minimum


30 - 59 days	.10	.10	.10	$100,000.00
60 - 89 days	.10	.10	.10	$100,000.00
3 - 5 months	.25	.25	.25	$100,000.00
6 - 11 months	.30	.30	.30	$100,000.00
12 - 17 months	.40	.40	.40	$100,000.00
12 Month Flex 12 CD	.30	.30	NA	$100,000.00
18 - 23 months	.55	.55	.55	$100,000.00
24 - 35 months	.70	.70	.70	$100,000.00
36 - 47 months	.80	.80	.80	$100,000.00
48 - 59 months	1.24	1.25	1.24	$100,000.00
60 months	1.83	1.85	1.83	$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 Early withdrawal penalties may apply. Fees may reduce earnings

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Checking, Money Market, Savings Effective July 24, 2017
	Interest Rate	APY*	Minimum to Open
Interest Checking			$25.00
$0.00 - $999.99	.05	.05
$1,000 and over	.05	.05
QNB-Rewards Checking			$25.00
$0.00 - $24,999.99¹	1.09	1.10
$25,000 and over²	.30	.30
Base Rate	.20	.20
Select Money Market			$25.00
$0.00 - $9,999.99	.10	.10
$10,000 - $24,999.99	.15	.15
$25,000 - $49,999.99	.20	.20
$50,000 - $74,999.99	.25	.25
$75,000 and over	.25	.25
Statement Savings	.10	.10	$5.00
EZ Saver Clubs	.10	.10	$5.00
Online eSavings	.60	.60	$5.00
Health Savings			$25.00
$0.00 - $4,999.99	.10	.10
$5,000 and over	.15	.15
Checking, Savings and Money Market accounts are all Variable Rate Accounts. The interest rates may vary. Fees may reduce earnings *APY = Annual Percentage Yield 1. Rate effective on first $25,000 in account even if total balance is over 2.$25,000 and above receive regular interest rate of 0.30% resulting in an APY that ranges from 1.10%-0.46% if qualifications are met depending on the balance in the account. Base rate of 0.20% APY applies to all balances if qualifications are not met.

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Personal Loans Effective June 15, 2017
Fixed Rate - Unsecured	*APR w/Auto Deduct**	*APR w/o Auto Deduct**	Credit Limit
Up to 36 Months	11.75	12.25	Up to $5,000
Up to 36 Months	11.75	12.25	$5,001 - $10,000**
37 to 60 Months	12.25	12.75
61 to 72 Months	12.75	13.25

Lines of Credit - Unsecured	APR*	Credit Limit
Personal Line of Credit	8.25	Revolving up to $5,000
Overdraft Line of Credit	8.25	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 June 26, 2017
*Credit Score*	>720	680 - 719	650 - 679
New - 2016 - 2017
APR*	2.75% (3.25%)	3.75% (4.25%)	5.75% (6.25%)
Term	6 year max	6 year max	6 year max
Loan-to-Value	100%	100%	90%

2014-2016
APR*	3.00% (3.50%)	4.00% (4.50%)	6.00% (6.50%)
Term	5 year max	5 year max	5 year max
Loan-to-Value	100%	100%	80%

2012 - 2013
APR*	4.00% (4.50%)	4.50% (5.00%)	6.75% (7.25%)
Term	4 year max	4 year max	4 year max
Loan-to-Value	85%	85%	80%

2010 - 2011
APR*	5.00% (5.50%)	5.50% (6.00%)	7.75% (8.25%)
Term	3 year max	3 year max	3 year max
Loan-to-Value	80%	80%	80%

2007 - 2009
Rate/APR*	6.00% (6.50%)	7.00% (7.50%)	8.75% (9.25%)
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 $75.00 * *Vehicle value calculated on Sales Price 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 February 3, 2017

Credit Score

>720

680 - 719

650 - 679

New - 2016 - 2017

APR*

7.99% (8.49%)

8.49% (8.99%)

8.99% (9.49%)

Term

5 year max

Loan-to-Value

100%

90%

2015-2016

APR*

8.74% (9.24%)

9.24% (9.74%)

9.74% (10.24%)

Term

5 year max

Loan-to-Value

90%

80%

2014 - 2015

APR*

8.99% (9.49%)

9.49% (9.99%)

9.99% (10.49%)

Term

4 year max

Loan-to-Value

85%

80%

2011 - 2012

APR*

9.99% (10.49%)

10.49% (10.99%)

10.99% (11.49%)

Term

3 year max

Loan-to-Value

80%

2007 - 2010

Rate/APR*

11.99% (12.49%)

12.49% (12.99%)

12.99% (13.49%)

Term

3 year max

Loan-to-Value

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 $75.00***

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

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

Community Improvement Loans Effective February 3, 2017

Unsecured Fixed Rate - 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

6.00%

7.00%

8.00%

$100 to $5,000 - Non-Auto Deduct

6.50%

7.50%

8.50%

Loan Amount (Term 6 to 7 years)

$5,001 to $7,500 - Auto Deduct

8.00%

9.00%

10.00%

$5,001 to $7,500 - Non-Auto Deduct

8.50%

9.50%

10.50%

Loan Amount (Term 8 to 10 years)

$7,501 to $10,000 - Auto Deduct

10.00%

11.00%

11.25%

$7,501 to $10,000 - Non-Auto Deduct

10.50%

11.50%

11.75%

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

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

Community Improvement Loans Effective June 15, 2017

Unsecured Personal Line of Credit - These loan rates are limited to loans for repairs or improvements mandated by a Municipality, Borough or County

8.25% Revolving $100.00 up to $7,500

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

Community Improvement Loans Effective February 3, 2017

Fixed Rate Home Equity - 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	3.50/3.75%	4.00/4.25%	85/90%
61 - 120 months	3.75/4.75%	4.25/5.25%	85/90%
121-180 months	4.50/5.00%	5.00/5.50%	85/90%

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

Community Improvement Loans Effective June 15, 2017

Equity Choice - Home Equity Line of Credit - Interest Only - 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	4.25%	4.75%	80%

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

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

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Land Purchase Loans Effective April 14, 2016
Loan Type	*APR w/Auto Deduct**	*APR w/o Auto Deduct**	Maximum Term	Maximum Loan-to-Value
Land Purchase	7.00	7.50	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 April 14, 2016
Year Made	Term	*Rate w/Auto Deduct**	*Rate w/o Auto Deduct**	Maximum Loan-to-Value
2017 - 2014	Up to 60 Months	8.24	8.74	80%
2017 - 2014	61 - 84 Months	8.49	8.99	80%
2017 - 2014	85 - 120 Months	8.74	9.24	80%
2017 - 2014	121 - 180 Months	8.99	9.49	80%
2017 - 2014	181 - 240 Months	9.49	9.99	80%
Used Manufactured Homes
2002 - 2013	Up to 84 Months	9.24	9.74	60% 2002-2007 70% 2008-2013
2006 - 2013	Up to 120 Months	9.49	9.99	70% 2006-2013
2009 - 2013	Up to 144 Months	9.99	10.49	70% 2009-2013
*APR = Annual Percentage Rate Must be 15 years old or less For ALL manufactured Loans - the borrower is responsible for all fees - $289.00 For a payment example, use the LOAN CALCULATOR and enter your selected dollar amount, term and Annual Percentage Rate.

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Fixed Rate Term Loans with Securities Held as Collateral Effective April 14, 2016
Term	Rate w/ Auto Deduct	Rate w/o Auto Deduct	Maximum Loan-to-Value
3 Years	3.25%	3.75%	75%
5 Years	3.50%	4.00%	75%
7 Years	3.74%	4.24%	75%
10 Years	4.24%	4.74%	75%
15 Years	4.49%	4.99%	75%
20 Years	5.75%	6.25%	75%

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Rates

Deposit Rates

Consumer Loan Rates

Community Improvement Loan Rates

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

Mortgage Rates