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 October 10, 2018
| $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
|
| 17 Month SPECIAL** | 2.13 | 2.15 | 2.13 | $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 | ||||
|---|---|---|---|---|
| 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
|
|
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 or Individual Retirement Accounts.
Early withdrawal penalties may apply. Fees may reduce earnings
Checking, Money Market, Savings
Effective January 16, 2019
| 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
|
1.34
|
1.35
|
|
|
|
$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
|
.85
|
.85
|
$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 1.35%-0.63% 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 December 20, 2018
| 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 | 9.50 | Revolving up to $5,000 | |
| Overdraft Line of Credit | 9.50 | 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 December 20, 2018
|
Credit Score
|
>720
|
680 - 719
|
650 - 679
|
|---|---|---|---|
|
New - 2017 - 2018
|
|||
|
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%
|
|
2015 - 2017
|
|||
|
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%
|
| 2013 - 2014 | |||
|
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%
|
| 2011 - 2012 | |||
|
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%
|
| 2008 - 2010 | |||
|
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 $78.00 ***
***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 December 20, 2018
|
Credit Score
|
>720
|
680 - 719
|
650 - 679
|
|---|---|---|---|
|
New - 2017 - 2018
|
|||
|
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%
|
|
2016-2017
|
|||
|
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%
|
| 2014 - 2015 | |||
|
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%
|
| 2012 - 2013 | |||
|
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%
|
| 2008 - 2011 | |||
|
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 $78.00***
***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 December 20, 2018
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 December 20, 2018
These loan rates are limited to loans for repairs or improvements mandated by a Municipality, Borough or County
9.50% 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 December 20, 2018
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 December 20, 2018
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 | 5.50% | 6.00% | 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 December 20, 2018
|
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 December 20, 2018
| Manufactured Home Loans | ||||
|---|---|---|---|---|
| Year Made | Term | Rate* w/Auto Deduct | Rate* w/o Auto Deduct | Maximum Loan-to-Value |
|
2018 - 2015
|
Up to 120 Months
|
8.74
|
9.24
|
80%
|
|
2018 - 2015
|
121 - 240 Months
|
8.99
|
9.49
|
80%
|
|
2010 - 2014
|
Up to 120 Months
|
9.99
|
10.49
|
70%
|
|
2003 - 2009
|
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 December 20, 2018
| 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% |
