Rates

 

Deposit Rates

Effective 01/06/2020

Savings and Checking Accounts

Type

Minimum Balance for APY*Minimum Deposit to OpenInterest RateAPY*
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 OpenInterest RateAPY*
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 OpenInterest RateAPY*
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 OpenInterest RateAPY*
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

RateAPR¹Notes
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

RateAPR¹Notes
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 PositionSecond Lien Position  

Term

Minimum

APR¹TermMinimumAPR¹
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

 

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