Buzz Points

Rates

Deposit Rates

Consumer Loan Rates

Mortgage Rates


 

Certificates of Deposit
Effective August 1, 2014
Term
Interest Rate
APY* Growth CD
APY* Income CD
Minimum to Open
$500.00 Minimum
 
 
 
 
 
 
 
 
 
 
 
 
 
 
3 - 5 months
.20
.20
.20
$500.00
6 - 11 months
.25
.25
.25
$500.00
12 - 17 months
.35
.35
.35
$500.00
12 Month Flex 12 CD
.30
.30
NA
$250.00
18 - 23 months
.50
.50
.50
$500.00
24 - 35 months
.65
.65
.65
$500.00
36 - 47 months
.75
.75
.75
$500.00
48 - 59 months
1.19
1.20
1.19
$500.00
60 months
1.59
1.60
1.59
$500.00
$100,000.00 Minimum
 
 
 
 
 
 
 
 
 
 
 
 
 
 
30 - 59 days
.10
.10
.10
$100,000.00
60 - 89 days
.10
.10
.10
$100,000.00
3 - 5 months
.25
.25
.25
$100,000.00
6 - 11 months
.30
.30
.30
$100,000.00
12 - 17 months
.40
.40
.40
$100,000.00
12 Month Flex 12 CD
.30
.30
NA
$100,000.00
18 - 23 months
.55
.55
.55
$100,000.00
24 - 35 months
.70
.70
.70
$100,000.00
36 - 47 months
.80
.80
.80
$100,000.00
48 - 59 months
1.24
1.25
1.24
$100,000.00
60 months
1.64
1.65
1.64
$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

 

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Checking, Money Market, Savings
Effective August 1, 2014
 
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
.15
.15
 
$25,000 - $49,999.99
.20
.20
 
$50,000 - $74,999.99
.25
.25
 
$75,000 and over
.25
.25
 
Statement Savings
.10
.10
$5.00
EZ Saver Clubs
.10
.10
$5.00
Online eSavings
.45
.45
$5.00
Health Savings
 
 
$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 0.25% resulting in an APY that ranges from 1.00%-0.40% if qualifications are met depending on the balance in the account. Base rate of 0.15% APY  applies to all balances if qualifications are not met.

 

 

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Personal Loans
Effective September 22, 2014
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
11.25
11.75
$5,001 - $10,000**
       
Lines of Credit - Unsecured APR* Credit Limit  
Personal Line of Credit 7.25 Revolving up to $2,500  
Overdraft Line of Credit 7.25 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 our LOAN CALCULATOR and enter your selected dollar amount, term and Annual Percentage Rate.

 

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Automobile Loans
Effective September 22, 2014
Credit Score
>720
680 - 719
650 - 679
620 - 649
New - 2015 - 2014
 
 
 
 
APR*
3.50% (4.00%)
4.25% (4.75%)
5.75% (6.25%)
6.25% (6.75%)
Term
6 year max
6 year max
6 year max
5 year max
LTV
100%
100%
100%
100%
 
 
 
 
 
2014-2012
 
 
 
 
APR*
3.75% (4.25%)
4.50% (5.00%)
6.00% (6.50%)
6.50% (7.00%)
Term
5 year max
5 year max
5 year max
4 year max
LTV
100%
90%
80%
80%
         
2011 - 2010        
APR*
4.75% (5.25%)
5.00% (5.50%)
6.75% (7.25%)
7.00% (7.50%)
Term
4 year max
4 year max
4 year max
3 year max
LTV
85%
85%
80%
80%
         
2009 - 2008        
APR*
5.75% (6.25%)
6.00% (6.50%)
7.75% (8.25%)
8.00% (8.50%)
Term
3 year max
3 year max
3 year max
2 year max
LTV
80%
80%
80%
80%
         
2007 - 2005        
Rate/APR*
6.75% (7.25%)
7.50% (8.00%)
8.75% (9.25%)
9.00% (9.50%)
Term
3 year max
3 year max
3 year max
2 year max
LTV
75%
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 $73.00 ***

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

 

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Motorcycle Loans
Effective September 22, 2014
Year
APR* w/Auto Deduct
APR* w/o Auto Deduct
Term
QNB will Finance
New '14 - '15
7.99
8.49
Up to 60 Months
100%
New '14 - '15
8.24
8.74
72 Mo. (Minimum $20K)
100%
1-2 Years Old'13 - '12
8.74
9.24
Up to 60 months
90%**
3-4 Years Old'11 - '10
8.99
9.49
Up to 48 months
90%**
5-6 Years Old'09 - '08
9.99
10.49
Up to 36 months
80%**
7-10 Years Old'07 - '04
11.99
12.49
Up to 36 months
70%**

*APR = Annual Percentage Rate
**Sales price OR the Book Retail Value - Whichever is less

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

 

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Land Purchase Loans
Effective September 22, 2014
Loan Type
APR* w/Auto Deduct
APR* w/o Auto Deduct
Maximum Term
Required Equity
Land Purchase
7.00
7.50
Up to 120 months
65%

*APR = Annual Percentage Rate

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


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Manufactured Home Loans (Refinance Only)
Effective September 22, 2014
Year Made
Term
APR* w/Auto Deduct
APR* w/o Auto Deduct
Loan-to-Value
2015 - 2012
Up to 60 Months
8.24
8.74
80%
2015 - 2012
61 - 84 Months
8.49
8.99
80%
2013 - 2012
85 - 120 Months
8.74
9.24
80%
2013 - 2012
121 - 180 Months
8.99
9.49
80%
2013 - 2012
181 - 240 Months
9.49
9.99
75%
Used Manufactured Homes
2000 - 2010 Up to 84 Months 9.24 9.49 70% 1997-2002 80% 2003-2007
2003 - 2010
Up to 120 Months
9.49
9.74
70% 1997-2002 80% 2003-2007
2006 - 2010
Up to 144 Months
9.99
10.24
75%

*APR = Annual Percentage Rate 

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

 

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Fixed Rate Term Loans
with Securities Held as Collateral
Effective September 22, 2014
Term Rate w/ Auto Deduct Rate w/o Auto Deduct Required Equity
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%
       

 

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