Rates

Contents

Deposit Rates

Consumer Loan Rates

Home Equity Loan Rates

Mortgage Rates

Community Improvement Loan Rates

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

Deposit Rates

Certificates of Deposit

Effective September 6, 2022

$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
.50
.50
.50
$500.00
12 Month Flex 12 CD
.25
.25
NA
$250.00
18 - 23 months
.70
.70
.70
$500.00
24 - 35 months
.80
.80
.80
$500.00
36 - 47 months
.998
1.00
.998
$500.00
48 - 59 months
1.094
1.10
1.094
$500.00
60 months
1.243
1.25
1.243
$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
.20
.20
.20
$100,000.00
6 - 11 months
.25
.25
.25
$100,000.00
12 - 17 months
.50
.50
.50
$100,000.00
12 Month Flex 12 CD
.25
.25
NA
$100,000.00
18 - 23 months
.70
.70
.70
$100,000.00
24 - 35 months
.80
.80
.80
$100,000.00
36 - 47 months
.998
1.00
.998
$100,000.00
48 - 59 months
1.094
1.10
1.094
$100,000.00
60 months
1.243
1.25
1.243
$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 August 3, 2022

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
1.094
1.10
 
$25,000 and over2
.15
.15
 
Base Rate
.10
.10
 
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
.15
.15
 
$50,000 - $74,999.99
.20
.20
 
$75,000 and over
.20
.20
Select Money Market - Business     $25.00
$0.00 - $9,999.99 .25 .25  
$10,000 - $24,999.99 .30 .30  
$25,000 - $49,999.99 .35 .35  
$50,000 - $74,999.99 .40 .40  
$75,000 and over .55 .55  
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 0.15% resulting in an APY that ranges from 1.10%-0.34% 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.

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Consumer Loan Rates

Personal Loans

Effective September 22, 2022

Fixed Rate - Unsecured APR* w/Auto Deduct APR* w/o Auto Deduct Credit Limit
Up to 36 Months
12.25
12.75
Up to $5,000
Up to 36 Months
12.25
12.75
$5,001 - $10,000**
37 to 60 Months 12.75 13.25
61 to 72 Months 13.25 13.75
Lines of Credit - Unsecured
  APR* Credit Limit
Personal Line of Credit 10.25 Revolving up to $5,000
Overdraft Line of Credit 10.25 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 15, 2022

Credit Score
>720
680 - 719
650 - 679
New - 2021 - 2022
APR*
4.50% (5.00%)
5.25% (5.75%)
6.75% (7.25%)
Term
6 year max
6 year max
6 year max
Loan-to-Value
100%
80%
80%
2019 - 2021
APR*
4.75% (5.25%)
5.50% (6.00%)
7.00% (7.50%)
Term
5 year max
5 year max
5 year max
Loan-to-Value
100%
80%
80%
2017 - 2018
APR*
5.75% (6.25%)
6.00% (6.50%)
7.75% (8.25%)
Term
4 year max
4 year max
4 year max
Loan-to-Value
80%
80%
80%
2015 - 2016
APR*
6.75% (7.25%)
7.00% (7.50%)
8.75% (9.25%)
Term
3 year max
3 year max
3 year max
Loan-to-Value
80%
80%
80%
2012 - 2014
APR*
7.75% (8.25%)
8.50% (9.00%)
9.75% (10.25%)
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 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 15, 2022

Credit Score
>720
680 - 719
650 - 679
New - 2021 - 2022
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%
2020 - 2021
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%
2018 - 2019
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%
2016 - 2017
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%
2012 - 2015
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 or Book Retail value - whichever is Less***

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


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Fixed Rate Term Loans (with Securities Held as Collateral)

Effective June 15, 2022

Term Rate w/ Auto Deduct Rate w/o Auto Deduct Maximum Loan-to-Value
Up to 36 Months 5.25% 5.75% 75%
37 - 60 Months 5.50% 6.00% 75%
61 - 84 Months 5.74% 6.24% 75%
85 - 120 Months 6.24% 6.74% 75%
121 - 180 Months 6.49% 6.99% 75%
181 - 240 Months 7.75% 8.25% 75%

 


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Home Equity Loan Rates

Fixed Rate Home Equity

Effective September 27, 2022

Term APR1 w/Auto Deduct APR1 w/o Auto Deduct Maximum Loan-to-Value
Up to 36 months 4.750% 5.250% 80%
37 - 60 months 4.875% 5.375% 80%
61 - 84 months 5.000% 5.500% 80%
85 - 120 months 5.500% 6.000% 80%
121 - 180 months 6.000% 6.500% 80%
181 - 240 months 6.250% 6.750% 80%

1Annual Percentage Rate (APR); effective 9/27/2022, rates are subject to change without notice.

Approval is subject to credit worthiness. The monthly payment per $1,000 borrowed at an APR of 5.500% for 120 months would be $10.85. 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.


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Equity Choice - Home Equity Line of Credit - Interest Only

Effective September 22, 2022

Term APR1 w/Auto Deduct APR1 w/o Auto Deduct Maximum Loan-to-Value
10 Year Draw Period 6.25% 6.75% 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); effective 9/22/2022, 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 6.25% APR with automatic payment from a QNB checking or savings account, 6.75% 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.


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Mortgage Rates

Land Purchase Loans

Effective June 15, 2022

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. 

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Manufactured Home Loans (Refinance Only)

Effective September 22, 2022

Manufactured Home Loans
Year Made Term Rate* w/Auto Deduct Rate* w/o Auto Deduct Maximum Loan-to-Value
2019 - 2022
Up to 120 Months
9.74
10.24
70%
2019 - 2022
121 - 240 Months
9.99
10.49
70%
2014 - 2018
Up to 120 Months
10.99
11.49
70%
2007 - 2013
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.


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Community Improvement Loans

Unsecured Fixed Rate Loan (Community Improvement Loan)

Effective June 15, 2022

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 September 22, 2022

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

10.25% 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 September 27, 2022

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 5.875% 6.375% 85%
61 - 120 months 6.500% 7.000% 85%
121 - 180 months 7.000% 7.500% 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 September 22, 2022

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 6.25% 6.75% 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 ***


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