Rates
Contents
Deposit Rates
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
Rates Tables
Certificates of Deposit
Effective January 1, 2020
| $500.00 Minimum | ||||
|---|---|---|---|---|
| Term |
Interest Rate
|
APY* Growth CD
|
APY* Income CD
|
Minimum to Open
|
|
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
|
| 13 Month SPECIAL** | 1.69 | 1.70 | 1.69 | $500.00 |
|
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 | ||||
|---|---|---|---|---|
| Term |
Interest Rate
|
APY* Growth CD
|
APY* Income CD
|
Minimum to Open
|
|
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
|
| 13 Month SPECIAL** | 1.69 | 1.70 | 1.69 |
$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
**Maximum balance of $250,000.00. This CD special is not available for Municipal Deposit Accounts.
Early withdrawal penalties may apply. Fees may reduce earnings
Checking, Money Market, Savings
Effective January 1, 2020
| Interest Checking | ||||
|---|---|---|---|---|
| Interest Rate | APY* | Minimum to Open | ||
| Interest Checking - Personal | .05 | .05 | $25.00 | |
|
Business Interest - Community
|
.20
|
.20
|
$25.00
|
|
|
QNB-Rewards Checking
|
|
|
$25.00
|
|
|
$0.00 - $24,999.991
|
1.29
|
1.30
|
|
|
|
$25,000 and over2
|
.45
|
.45
|
|
|
|
Base Rate
|
.25
|
.25
|
|
|
|
Select Money Market - Personal
|
|
|
$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
|
|
|
| Select Money Market - Business | $25.00 | |||
| $0.00 - $9,999.99 | .20 | .20 | ||
| $10,000 - $24,999.99 | .25 | .25 | ||
| $25,000 - $49,999.99 | .30 | .30 | ||
| $50,000 - $74,999.99 | .45 | .45 | ||
| $75,000 and over | .50 | .50 | ||
|
Escrow Money Market
|
|
|
||
| $0.00 - $1,499.99 | .10 | .10 | ||
| $15,000 and over | .15 | .15 | ||
|
Statement Savings
|
.10
|
.10
|
$5.00
|
|
|
EZ Saver Clubs
|
.10
|
.10
|
$5.00
|
|
|
Online eSavings
|
.80
|
.80
|
$5.00
|
|
|
Health Savings Indiv/Family
|
|
|
$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 0.45% resulting in an APY that ranges from 1.30%-0.62% if qualifications are met depending on the balance in the account. Base rate of 0.25% APY applies to all balances if qualifications are not met.
Personal Loans
Effective January 1, 2020
| 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 | 8.75 | Revolving up to $5,000 | |
| Overdraft Line of Credit | 8.75 | 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.
Automobile Loans
Effective January 1, 2020
|
Credit Score
|
>720
|
680 - 719
|
650 - 679
|
|---|---|---|---|
|
New - 2019 - 2020
|
|||
|
APR*
|
3.50% (4.00%)
|
4.25% (4.75%)
|
5.75% (6.25%)
|
|
Term
|
6 year max
|
6 year max
|
6 year max
|
|
Loan-to-Value
|
100%
|
80%
|
80%
|
|
2017 - 2019
|
|||
|
APR*
|
3.75% (4.25%)
|
4.50% (5.00%)
|
6.00% (6.50%)
|
|
Term
|
5 year max
|
5 year max
|
5 year max
|
|
Loan-to-Value
|
100%
|
80%
|
80%
|
| 2015 - 2016 | |||
|
APR*
|
4.75% (5.25%)
|
5.00% (5.50%)
|
6.75% (7.25%)
|
|
Term
|
4 year max
|
4 year max
|
4 year max
|
|
Loan-to-Value
|
80%
|
80%
|
80%
|
| 2013 - 2014 | |||
|
APR*
|
5.75% (6.25%)
|
6.00% (6.50%)
|
7.75% (8.25%)
|
|
Term
|
3 year max
|
3 year max
|
3 year max
|
|
Loan-to-Value
|
80%
|
80%
|
80%
|
| 2010 - 2012 | |||
|
Rate/APR*
|
6.75% (7.25%)
|
7.50% (8.00%)
|
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 $81.00 ***
***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.
Motorcycle Loans
Effective January 1, 2020
|
Credit Score
|
>720
|
680 - 719
|
650 - 679
|
|---|---|---|---|
|
New - 2019 - 2020
|
|||
|
APR*
|
7.99% (8.49%)
|
8.49% (8.99%)
|
8.99% (9.49%)
|
|
Term
|
5 year max
|
5 year max
|
5 year max
|
|
Loan-to-Value
|
80%
|
80%
|
80%
|
|
2018-2019
|
|||
|
APR*
|
8.74% (9.24%)
|
9.24% (9.74%)
|
9.74% (10.24%)
|
|
Term
|
5 year max
|
5 year max
|
5 year max
|
|
Loan-to-Value
|
80%
|
80%
|
80%
|
| 2016 - 2017 | |||
|
APR*
|
8.99% (9.49%)
|
9.49% (9.99%)
|
9.99% (10.49%)
|
|
Term
|
4 year max
|
4 year max
|
4 year max
|
|
Loan-to-Value
|
80%
|
80%
|
80%
|
| 2014 - 2015 | |||
|
APR*
|
9.99% (10.49%)
|
10.49% (10.99%)
|
10.99% (11.49%)
|
|
Term
|
3 year max
|
3 year max
|
3 year max
|
|
Loan-to-Value
|
80%
|
80%
|
80%
|
| 2010 - 2013 | |||
|
Rate/APR*
|
11.99% (12.49%)
|
12.49% (12.99%)
|
12.99% (13.49%)
|
|
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 $81.00***
***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
Unsecured Fixed Rate
Effective January 1, 2020
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 - Unsecured Personal Line of Credit
Effective January 1, 2020
These loan rates are limited to loans for repairs or improvements mandated by a Municipality, Borough or County
8.75% 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 ***
Community Improvement Loans - Fixed Rate Home Equity
Effective January 1, 2020
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%
*** Written estimates for excavation, installation fee and/or hook-up fee required at application ***
Community Improvement Loans - Equity Choice - Home Equity Line of Credit - Interest Only
Effective January 1, 2020
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 | 4.75% | 5.25% | 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 ***
Land Purchase Loans
Effective January 1, 2020
|
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.
Manufactured Home Loans (Refinance Only)
Effective January 1, 2020
| Manufactured Home Loans | ||||
|---|---|---|---|---|
| Year Made | Term | Rate* w/Auto Deduct | Rate* w/o Auto Deduct | Maximum Loan-to-Value |
|
2019 - 2016
|
Up to 120 Months
|
8.74
|
9.24
|
80%
|
|
2019 - 2016
|
121 - 240 Months
|
8.99
|
9.49
|
80%
|
|
2011 - 2015
|
Up to 120 Months
|
9.99
|
10.49
|
70%
|
|
2004 - 2010
|
Up to 120 Months
|
9.99
|
10.49
|
60%
|
|
|
||||
*APR = Annual Percentage Rate
For ALL Manufactured Loans - the borrower is responsible for all fees - $289.00
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.
Fixed Rate Term Loans
with Securities Held as Collateral
Effective January 1, 2020
| Term | Rate w/ Auto Deduct | Rate w/o Auto Deduct | Maximum Loan-to-Value |
|---|---|---|---|
| Up to 36 Months | 3.25% | 3.75% | 75% |
| 37 - 60 Months | 3.50% | 4.00% | 75% |
| 61 - 84 Months | 3.74% | 4.24% | 75% |
| 85 - 120 Months | 4.24% | 4.74% | 75% |
| 121 - 180 Months | 4.49% | 4.99% | 75% |
| 181 - 240 Months | 5.75% | 6.25% | 75% |
