Rates

Deposit Rates

Effective 01/06/2020

Savings and Checking Accounts
Type	Minimum Balance for APY*	Minimum Deposit to Open	Interest Rate	APY*
Statement Savings	$50	$50	0.25%	0.25%
Relationship Checking	$1,000	$100	0.10%	0.10%
55+ Relationship Checking	$1,000	$100	0.10%	0.10%

Money Market Account
Type	Minimum Balance for APY*	Minimum Deposit to Open	Interest Rate	APY*
Money Market Account	$50	$50	0.25%	0.25%
Money Market Account	$2,500	$50	0.25%	0.25%
Money Market Account	$20,000	$50	0.30%	0.30%
Money Market Account	$50,000	$50	0.40%	0.40%
Money Market Account	$100,000	$50	0.50%	0.50%
Money Market Account	$200,000	$50	0.60%	0.60%

*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
Type	Minimum Balance for APY*	Minimum Deposit to Open	Interest Rate	APY*
6 Month	$1,000	$1,000	1.00%	1.00%
1 Year	$1,000	$1,000	1.59%	1.60%
18 Month Bump-Up	$1,000	$1,000	1.59%	1.60%
2 Year	$1,000	$1,000	1.64%	1.65%
3 Year	$1,000	$1,000	1.69%	1.70%
40 Month Bump-Up	$1,000	$1,000	1.69%	1.70%
4 Year	$1,000	$1,000	1.79%	1.80%
5 Year	$1,000	$1,000	1.79%	1.80%

IRA Accounts
Type	Minimum Balance for APY*	Minimum Deposit to Open	Interest Rate	APY*
1 Year	$1,000	$1,000	1.59%	1.60%
18 Month Bump-Up	$1,000	$1,000	1.59%	1.60%
2 Year	$1,000	$1,000	1.64%	1.65%
3 Year	$1,000	$1,000	1.69%	1.70%
40 Month Bump-Up	$1,000	$1,000	1.69%	1.70%
4 Year	$1,000	$1,000	1.79%	1.80%
5 Year	$1,000	$1,000	1.79%	1.80%
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 2/11/2020

Mortgage Loans
Term	Rate	APR¹	Notes
15 Year Fixed	2.950%	2.969%	0 Points, 95% LTV²
20 Year Fixed	3.330%	3.347%	0 Points, 95% LTV²
30 Year Fixed	3.650%	3.663%	0 Points, 95% LTV²

Maximum loan amount $750,000. Please contact us for amounts greater than $750,000.

First Time Home Buyer
Term	Rate	APR¹	Notes
30 Year Fixed	3.525%	3.538%	0 Points, 95% LTV²

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 2.950%, you would make 180 monthly P&I payments of $1,032.27. This payment does not include escrow for taxes and insurance. APR is based on a $150,000 loan with 20% down.

Home Equity Loans
First Lien Position			Second Lien Position
Term	Minimum	APR¹	Term	Minimum	APR¹
5 Years	$12,500	4.000%	5 Years	$12,500	5.000%
7 Years	$15,000	4.000%	7 Years	$15,000	5.000%
10 Years	$20,000	4.250%	10 Years	$20,000	5.250%
15 Years	$30,000	4.500%	15 Years	$30,000	5.500%
20 Years	$40,000	4.500%	20 Years	$40,000	5.500%
25 Years	$50,000	4.500%	25 Years	$50,000	5.500%

Maximum loan amount: 80% of value less any mortgage balance.

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, $12,500 home equity loan with an APR of 4.000%, you would make 60 monthly payments of $230.21.

Home Equity Line of Credit
Variable rate based on prime rate – No margin Minimum Line Amount – $10,000 Maximum Line Amount – $500,000. 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. For further information, please see one of our Loan Officers

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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