Rates

Contents

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

Rates Tables

Certificates of deposit

Effective March 28, 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
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

Early withdrawal penalties may apply. Fees may reduce earnings


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Checking, Money Market, Savings

Effective March 28, 2018

Interest Checking
  Interest Rate APY* Minimum to Open
Interest Checking - Personal .05 .05 $25.00
Business Interest - Community
.10
.10
$25.00
QNB-Rewards Checking
 
 
$25.00
$0.00 - $24,999.991
1.19
1.20
 
$25,000 and over2
.35
.35
 
Base Rate
.20
.20
 
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 .15 .15  
$10,000 - $24,999.99 .20 .20  
$25,000 - $49,999.99 .25 .25  
$50,000 - $74,999.99 .30 .30  
$75,000 and over .30 .30  
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
.70
.70
$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 0.35% resulting in an APY that ranges from 1.20%-0.52% 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 14, 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 9.00 Revolving up to $5,000  
Overdraft Line of Credit 9.00 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 14, 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. 


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Motorcycle Loans

Effective June 14, 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 June 14, 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 June 14, 2018

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

9.00% 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 June 14, 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 June 14, 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 5.00% 5.50% 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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Land Purchase Loans

Effective June 14, 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. 

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Manufactured Home Loans (Refinance Only)

Effective June 14, 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. 


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Fixed Rate Term Loans
with Securities Held as Collateral

Effective June 14, 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%

 

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