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
- Investment Properties (Only Available as Adjustable Rate Mortgages)
- 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 June 15, 2021
| $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
|
.25
|
.25
|
.25
|
$500.00
|
|
12 Month Flex 12 CD
|
.25
|
.25
|
NA
|
$250.00
|
|
18 - 23 months
|
.35
|
.35
|
.35
|
$500.00
|
|
24 - 35 months
|
.40
|
.40
|
.40
|
$500.00
|
|
36 - 47 months
|
.55
|
.55
|
.55
|
$500.00
|
|
48 - 59 months
|
.60
|
.60
|
.60
|
$500.00
|
|
60 months
|
.747
|
.75
|
.747
|
$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
|
.25
|
.25
|
.25
|
$100,000.00
|
|
12 Month Flex 12 CD
|
.25
|
.25
|
NA
|
$100,000.00
|
|
18 - 23 months
|
.35
|
.35
|
.35
|
$100,000.00
|
|
24 - 35 months
|
.40
|
.40
|
.40
|
$100,000.00
|
|
36 - 47 months
|
.55
|
.55
|
.55
|
$100,000.00
|
|
48 - 59 months
|
.60
|
.60
|
.60
|
$100,000.00
|
|
60 months
|
.747
|
.75
|
.747
|
$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
Checking, Money Market, Savings
Effective May 11, 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 | .10 | .10 | |
| $10,000 - $24,999.99 | .15 | .15 | |
| $25,000 - $49,999.99 | .20 | .20 | |
| $50,000 - $74,999.99 | .30 | .30 | |
| $75,000 and over | .45 | .45 | |
|
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
|
.45
|
.45
|
$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.
Consumer Loan Rates
Personal Loans
Effective May 5, 2022
| 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 | 8.00 | Revolving up to $5,000 |
| Overdraft Line of Credit | 8.00 | 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.
Automobile Loans
Effective January 3, 2022
|
Credit Score
|
>720
|
680 - 719
|
650 - 679
|
|---|---|---|---|
|
New - 2021 - 2022
|
|||
|
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%
|
|
2019 - 2021
|
|||
|
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%
|
| 2017 - 2018 | |||
|
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%
|
| 2015 - 2016 | |||
|
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%
|
| 2012 - 2014 | |||
|
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 $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.
Motorcycle Loans
Effective January 3, 2022
|
Credit Score
|
>720
|
680 - 719
|
650 - 679
|
|---|---|---|---|
|
New - 2021 - 2022
|
|||
|
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%
|
|
2020 - 2021
|
|||
|
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%
|
| 2018 - 2019 | |||
|
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%
|
| 2016 - 2017 | |||
|
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%
|
| 2012 - 2015 | |||
|
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 $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***
Fixed Rate Term Loans (with Securities Held as Collateral)
Effective January 3, 2022
| 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% |
Home Equity Loan Rates
Fixed Rate Home Equity
Effective March 9, 2022
| Term | APR1 w/Auto Deduct | APR1 w/o Auto Deduct | Maximum Loan-to-Value |
|---|---|---|---|
| Up to 36 months | 3.875% | 4.375% | 80% |
| 36 - 60 months | 4.125% | 4.625% | 80% |
| 61-84 months | 4.375% | 4.875% | 80% |
| 85-120 months | 4.625% | 5.125% | 80% |
| 121-180 months | 5.375% | 5.875% | 80% |
| 181-240 months | 5.875% | 6.375% | 80% |
1Annual Percentage Rate (APR); effective 3/9/2022, rates are subject to change without notice.
Approval is subject to credit worthiness. Maximum loan amount is $500,000/no minimum. The monthly payment per $1,000 borrowed at an APR of 4.625% for 120 months would be $10.42. 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 5, 2022
| Term | APR1 w/Auto Deduct | APR1 w/o Auto Deduct | Maximum Loan-to-Value |
|---|---|---|---|
| 10 Year Draw Period | 4.00% | 4.50% | 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 5/5/2022, 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 4.00% APR with automatic payment from a QNB checking or savings account, 4.50% APR without automatic payment.
The maximum line amount is $500,000/no minimum. 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 January 3, 2022
|
Loan Type
|
APR* w/Auto Deduct
|
APR* w/o Auto Deduct
|
Maximum Term
|
Maximum Loan-to-Value
|
|---|---|---|---|---|
|
Land Purchase
|
8.50
|
9.00
|
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 January 3, 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
|
8.74
|
9.24
|
80%
|
|
2018 - 2022
|
121 - 240 Months
|
8.99
|
9.49
|
80%
|
|
2014 - 2018
|
Up to 120 Months
|
9.99
|
10.49
|
70%
|
|
2007 - 2013
|
Up to 120 Months
|
9.99
|
10.49
|
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 January 3, 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
|
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 ***
Unsecured Personal Line of Credit (Community Improvement Loan)
Effective May 5, 2022
These loan rates are limited to loans for repairs or improvements mandated by a Municipality, Borough or County.
8.00% 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 ***
Fixed Rate Home Equity (Community Improvement Loan)
Effective March 9, 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 | 4.125% | 4.625% | 85% |
| 61 - 120 months | 4.625% | 5.125% | 85% |
| 121-180 months | 5.375% | 5.875% | 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 5, 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 | 4.00% | 4.50% | 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 ***
