Rates
Contents
Deposit Rates
Consumer Loan Rates
- Personal
- Automobile
- Motorcycle
- Fixed Rate Term Loan (with Securities Held as Collateral)
Home Equity Loan Rates
Mortgage Rates
- Land Purchase
- Manufactured Home Loans (Refinance Only)
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
- Home Equity Line of Credit
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.
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.
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.
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.
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***
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% |
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.
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.
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.
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.
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 ***
