Rates

Deposit Rates

Effective

Savings and Checking Accounts
Type	Minimum Balance for APY*	Minimum Deposit to Open	Interest Rate	APY*
Statement Savings	$50	$50	0.50%	0.50%
Relationship Checking	$1,000	$100	0.05%	0.05%
55+ Relationship Checking	$1,000	$100	0.05%	0.05%

Money Market Account
Type	Minimum Balance for APY*	Minimum Deposit to Open	Interest Rate	APY*
Money Market Account	$50	$50	0.50%	0.50%
Money Market Account	$2,500	$50	0.50%	0.50%
Money Market Account	$20,000	$50	0.70%	0.70%
Money Market Account	$50,000	$50	1.00%	1.00%
Money Market Account	$100,000	$50	1.50%	1.50%
Money Market Account	$200,000	$50	2.00%	2.00%

*APY means Annual Percentage Yield. Minimum daily balance is the amount of principal in the account each day. Fees could reduce earnings on your account. Rate subject to change. Speak to a Customer Service Representative for more information.

Certificate of Deposit
For certificates of deposit in excess of $250,000, please inquire about additional rates and terms.
Type	Minimum Deposit to Open	Interest Rate	APY*
6 Month	$1,000	4.169%	4.250%
1 Year	$1,000	4.649%	4.750%
18 Month Bump-Up	$1,000	3.928%	4.000%
2 Year	$1,000	3.928%	4.000%
3 Year	$1,000	3.690%	3.750%
40 Month Bump-Up	$1,000	3.445%	3.500%
4 Year	$1,000	2.960%	3.000%
5 Year	$1,000	2.960%	3.000%

IRA Accounts
Type	Minimum Balance for APY*	Minimum Deposit to Open	Interest Rate	APY*
1 Year		$1,000	4.649%	4.750%
18 Month Bump-Up		$1,000	3.928%	4.000%
2 Year		$1,000	3.928%	4.000%
3 Year		$1,000	3.690%	3.750%
40 Month Bump-Up		$1,000	3.445%	3.500%
4 Year		$1,000	2.960%	3.000%
5 Year		$1,000	2.960%	3.000%
Money Market Account	$50	$50	See above Money Market rates

¹APY (Annual Percentage Yield) assumes interest remains on deposit until maturity. Minimum daily balance is the amount of principal in the account each day. Penalty may be assessed for early withdrawal, and a withdrawal will reduce earnings. For certificates with the Bump Up option, the interest rate and APY may be changed once during the term of the certificate. Rate subject to change. Traditional and Roth IRAs available. Speak to a Customer Service Representative for more information.

Lending Rates (Owner Occupied)

Effective

Mortgage Loans
Term	Rate	APR¹
15 Year Fixed	6.500%	6.702%
20 Year Fixed	6.625%	6.788%
30 Year Fixed	6.750%	6.876%

Maximum loan amount $766,550. Please contact us for amounts greater than $766,550.

Maximum Loan to value (LTV): 95%. Private Mortgage Insurance required on all mortgage loans over 80% LTV.

The displayed Annual Percentage Rate (APR) for the loan products shown above is based on the interest rate (Rate), points (if applicable) and certain estimated finance charges.

¹APR = Annual Percentage Rate. PMI insurance is required on all mortgage loans over 80% LTV. Property insurance is required. Other rates and terms are available. Rates are subject to change. Subject to credit approval. For further information, please see one of our Loan Officers.

²LTV = Loan to Value Ratio.

Example: Based on a 15 year fixed rate mortgage loan with a rate of 6.500%, you would make 180 monthly P&I payments of $1,306.67. This payment does not include escrow for taxes and insurance. APR is based on a $150,000 loan with 20% down.

First-Time Homebuyer Program
Term	Rate	APR
30 Year Fixed	6.500%	6.527%

Maximum Loan Amount $383,275.

Home Equity Loans
Term	Minimum	First Lien Position APR¹	Second Lien Position APR
5 Years	$25,000	6.500%	7.000%
7 Years	$25,000	6.500%	7.000%
10 Years	$25,000	6.750%	7.250%
15 Years	$50,000	7.000%	7.500%
20 Years	$50,000	7.500%	8.000%

Maximum loan amount: 80% of value less any mortgage balance. Maximum loan: $750,000

¹APR = Annual Percentage Rate. Property insurance is required. Other rates and terms are available. Rates are subject to change. Subject to credit approval. For further information, please see one of our Loan Officers.

Example: Based on a 5 year, $25,000 home equity loan with an APR of 6.500%, you would make 60 monthly payments of $489.16.

Home Equity Line of Credit
Variable rate as low as prime rate. Minimum line amount – $25,000 Maximum line amount – $750,000 Maximum APR: 7.000% above the initial APR. Apart from this "Rate Cap", there is no limit on the amount by which the rate can change during any one-year period. APR = Annual Percentage Rate. Property insurance is required. Other rates and terms are available. Rates are subject to change. Subject to credit approval. Maximum Loan-To-Value (LTV) ratio is 90%. Title insurance and an appraisal are required on lines over $400,000.

For more information on our loan products, please see one of our Loan Officers. Rates and fees are subject to change without notice. All loan products are subject to credit approval. Our primary lending area is Montgomery and Berks Counties.

NMLS#504402

Rates

Deposit Rates

Lending Rates (Owner Occupied)

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