Rates

Deposit Rates

Consumer Loan Rates

Mortgage Rates


 

Certificates of Deposit
Effective May 8,  2013
Term
Interest Rate
APY* Growth CD
APY* Income CD
Minimum to Open
$500.00 Minimum
 
 
 
 
26 Month Special
.70
.70
.70
$500.00
60 Month Special
1.24
1.25
1.24
$500.00
3 - 5 months
.10
.10
.10
$500.00
6 - 11 months
.15
.15
.15
$500.00
12 - 17 months
.25
.25
.25
$500.00
12 Month Flex 12 CD
.20
.20
NA
$250.00
18 - 23 months
.35
.35
.35
$500.00
24 - 35 months
.40
.40
.40
$500.00
36 - 47 months
.70
.70
.70
$500.00
48 - 59 months
1.00
1.01
1.00
$500.00
60 months
1.24
1.25
1.24
$500.00
$100,000.00 Minimum
 
 
 
 
26 Month Special
.70
.70
.70
$100,000.00
60 Month Special
1.29
1.30
1.29
$100,000.00
30 - 59 days
.10
.10
.10
$100,000.00
60 - 89 days
.10
.10
.10
$100,000.00
3 - 5 months
.15
.15
.15
$100,000.00
6 - 11 months
.20
.20
.20
$100,000.00
12 - 17 months
.30
.30
.30
$100,000.00
12 Month Flex 12 CD
.20
.20
.20
$100,000.00
18 - 23 months
.40
.40
.40
$100,000.00
24 - 35 months
.45
.45
.45
$100,000.00
36 - 47 months
.75
.75
.75
$100,000.00
48 - 59 months
1.10
1.10
1.10
$100,000.00
60 months
1.29
1.30
1.29
$100,000.00

CHECK OUT OUR 26 MONTH CD SPECIAL!

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 May 8, 2013
 
Interest Rate
APY*
Minimum to Open
Interest Checking
 
 
$25.00
$0.00 - $999.99
.05
.05
 
$1,000 and over
.05
.05
 
QNB-Rewards Checking
 
 
$25.00
$0.00 - $24,999.991
1.00
1.00
 
$25,000 and over2
.25
.25
 
Base Rate
.15
.15
 
Select Money Market
 
 
$25.00
$0.00 - $9,999.99
.10
.10
 
$10,000 - $24,999.99
.10
.10
 
$25,000 - $49,999.99
.15
.15
 
$50,000 - $74,999.99
.20
.20
 
$75,000 and over
.20
.20
 
Statement Savings
.10
.10
$5.00
EZ Saver Clubs
.10
.10
$5.00
Online eSavings
.50
.50
$5.00
Health Savings
 
 
$25.00
$0.00 - $4,999.99
.10
.10
 
$5,000 and over
.10
.10
 
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 Rate earned on balance in excess of first tier only

 

 

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Unsecured Loans
Effective May 16, 2013
Term
APR* w/Auto Deduct
APR* w/o Auto Deduct
Credit Limit
Up to 36 Months
11.75
12.00
Up to $5,000
Up to 36 Months
11.25
11.50
$5,001 - $10,000**
*APR = Annual Percentage Rate

**Borrower is required to have a credit score of 720+, own real estate and be a QNB customer.

 

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Automobile Loans
Effective May 16, 2013
Year
APR* w/Auto Deduct
APR* w/o Auto Deduct
Maximum Term
QNB will Finance
New
4.74
4.99
Up to 60 Months
100%
New
4.99
5.24
72 Mo. (Minimum $20K)
100%
1-2 Years Old
5.24
5.49
Up to 60 months
90%**
3-4 Years Old
5.49
5.74
Up to 48 months
90%**
5-6 Years Old
6.99
7.24
Up to 36 months
90%**
7-10 Years Old
8.99
9.24
Up to 36 months
80%**
*APR = Annual Percentage Rate
**Sales price OR the Book Retail Value - Whichever is less
 

 

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Motorcycle Loans
Effective May 16, 2013
Year
APR* w/Auto Deduct
APR* w/o Auto Deduct
Maximum Term
QNB will Finance
New
7.99
8.24
Up to 60 Months
100%
New
8.24
8.49
72 Mo. (Minimum $20K)
100%
1-2 Years Old
8.74
8.99
Up to 60 months
90%**
3-4 Years Old
8.99
9.24
Up to 48 months
90%**
5-6 Years Old
9.99
10.24
Up to 36 months
80%**
7-10 Years Old
11.99
12.24
Up to 36 months
70%**
*APR = Annual Percentage Rate
**Sales price OR the Book Retail Value - Whichever is less
 

 

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Land Purchase Loans
Effective May 16, 2013
Loan Type
APR* w/Auto Deduct
APR* w/o Auto Deduct
Maximum Term
Required Equity
Land Purchase
7.00
7.25
up to 120 months
65%
*APR = Annual Percentage Rate



 

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Manufactured Home Loans
Effective May 16, 2013
Year Made
Term
APR* w/Auto Deduct
APR* w/o Auto Deduct
Loan-to-Value
2013 - 2009
Up to 60 Months
8.24
8.49
80%
2013 - 2009
61 - 84 Months
8.49
8.74
80%
2013 - 2009
85 - 120 Months
8.74
8.99
80%
2013 - 2009
121 - 180 Months
8.99
9.24
80%
2013 - 2009
181 - 240 Months
9.49
9.74
75%
1998 - 2008
Up to 84 Months
9.24
9.49
70% 1997-2002 80% 2003-2007
2001 - 2008
Up to 120 Months
9.49
9.74
70% 1997-2002 80% 2003-2007
2004 - 2008
Up to 144 Months
9.99
10.24
75%
*APR = Annual Percentage Rate
 

 

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Fixed Rate Home Equity Loans
Effective May 16, 2013
Term
APR* w/Auto Deduct
APR* w/o Auto Deduct
Required Equity
Up to 36 months
2.99
3.24
80%
37 - 60 months
3.24
3.49
80%
61 - 84 months
3.74
3.99
80%
85 - 120 months
4.24
4.49
80%
121-180 months
4.49
4.74
80%
181-240 months
5.49
5.74
80%
*APR = Annual Percentage Rate

**Flat fee of $150 for ALL Fixed Rate Home Equity Loans under $25,000 of new money. QNB pays ALL the fees on H.E. loans in excess of $25,000 new money. Bi-weekly payments available for ALL Fixed Rate Home Equity Loans (W/auto deduct)
*Any customer cancelling a loan after the search and/or appraisal has been ordered pays ALL fees incurred*
Note: All rates are 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.

For a payment example, use our LOAN CALCULATOR and enter your selected dollar amount, term and Annual Percentage Rate.

 

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Investment Properties
Effective May 16, 2013
Non-Owner Occupied 1-4 Units: 75%LTV
Term
APR* w/Auto Deduct
APR* w/o Auto Deduct
Required Equity
Up to 60 months
8.50
8.75
75% Maximum LTV
61 - 120 months
9.25
9.50
75% Maximum LTV
 

 

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Revolving Credit Lines
Effective May 16, 2013
Maximum 80% LTV and one (1) additional point to all fixed rates.
ARM PROGRAMS NOT AVAILABLE FOR CONSTRUCTION!
Product
APR*
Unsecured Line of Credit - Revolving up to $2,500
7.25
Overdraft Line of Credit - Revolving up to $2,000
7.25
Equity Choice Line of Credit (rate w/ auto deduct)
Promo - 6 months
1.99
Equity Choice Line of Credit (rate w/o auto deduct)
Promo - 6 months
2.49
Equity Choice Line of Credit (rate w/ auto deduct)
10 Year Draw Period - Prime Interest Only 		3.25
Equity Choice Line of Credit (rate w/o auto deduct)
10 Year Draw Period - (Prime + 1/2) Interest Only 		3.75

Colmar Opening Promo may open at any branch March 1st - May 31st


*APR = Annual Percentage Rate

Variable rate accounts, maximum APR = 18.00%

Property insurance required on all loans secured by real estate.

 

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Fixed Rate Mortgages
Owner Occupied
Effective May 14, 2013
Term
Rates
Points
APR*
30 Year Fixed
3.500
2.0
3.706
 
3.625
1.0
3.749
 
3.750
0.0
3.792
 
 
 
 
20 Year Fixed
3.500
1.0
3.672
 
3.625
0.0
3.683
 
 
 
 
 
 
 
 
15 Year Fixed
3.000
0.0
3.074
 
 
 
 
 
 
 
 
 
 
 
 
*APR = Annual Percentage Rate

Note: All rates are 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.

For a payment example, use our LOAN CALCULATOR and enter your selected dollar amount, term and Annual Percentage Rate.

APR calculation based on a loan with 20% down and a loan amount of $100,000.00. The Rates, Terms and programs are subject to change without notice.

Construction Loans:Maximum 80% LTV and one (1) additional point to all fixed rates. ARM programs not available for construction.

 

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Hybrid Adjustable Rate Mortgages
Effective May 14,  2013
Program
Rates
Points
APR*
10-1-1(Not Convertible)
4.000
1.0
3.507
 
4.375
0.0
3.664
7-1-1(Not Convertible)
3.500
1.0
3.021
 
3.875
0.0
3.119
5-1-1(Not Convertible)
3.375
1.0
2.846
 
3.500
0.0
2.810
*APR = Annual Percentage Rate

 

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1 Year ARM Program
Effective May 14, 2013
Rates
Points
APR*
2.500
2.0
2.613
2.750
0.0
2.480
*APR = Annual Percentage Rate

 

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3 Year ARM Program
Effective May 14, 2013
Rates
Points
APR*
2.750
2.0
3.086
2.850
0.0
2.951
*APR = Annual Percentage Rate

 

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