Buzz Points

Rates

Deposit Rates

Consumer Loan Rates

Mortgage Rates


 

Certificates of Deposit
Effective July 9, 2014
Term
Interest Rate
APY* Growth CD
APY* Income CD
Minimum to Open
$500.00 Minimum
 
 
 
 
37 Month Special
1.36
1.37
1.36
$500.00
 
 
 
 
 
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
 
 
 
 
37 Month Special
1.36
1.37
1.37
$100,000.00
 
 
 
 
 
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

CHECK OUT OUR 37 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 July 9, 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 April 9, 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 April 9, 2014
Credit Score
>720
680 - 719
650 - 679
620 - 649
2014 - 2013
 
 
 
 
APR*
2.50% (3.00%)
3.00% (3.50%)
3.75% (4.25%)
6.25% (6.75%)
Term
6 year max
6 year max
6 year max
5 year max
LTV
100%
100%
90%
80%
 
 
 
 
 
2012-2011
 
 
 
 
APR*
2.50% (3.00%)
3.00% (3.50%)
4.00% (4.50%)
6.50% (7.00%)
Term
5 year max
5 year max
5 year max
4 year max
LTV
100%
100%
80%
80%
         
2010 - 2009        
APR*
3.25% (3.75%)
3.75% (4.25%)
4.50% (5.00%)
7.00% (7.50%)
Term
4 year max
4 year max
4 year max
3 year max
LTV
85%
85%
80%
80%
         
2008 - 2007        
APR*
3.50% (4.00%)
4.00% (4.50%)
5.00% (5.50%)
8.00% (8.50%)
Term
3 year max
3 year max
3 year max
2 year max
LTV
80%
80%
80%
80%
         
2006 - 2004        
Rate/APR*
4.00% (4.50%)
4.50% (5.00%)
6.00% (6.50%)
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.

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 April 9, 2014
Year
APR* w/Auto Deduct
APR* w/o Auto Deduct
Term
QNB will Finance
New '13 - '14
7.99
8.49
Up to 60 Months
100%
New '13 - '14
8.24
8.74
72 Mo. (Minimum $20K)
100%
1-2 Years Old'12 - '11
8.74
9.24
Up to 60 months
90%**
3-4 Years Old'10 - '09
8.99
9.49
Up to 48 months
90%**
5-6 Years Old'08 - '07
9.99
10.49
Up to 36 months
80%**
7-10 Years Old'06 - '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 April 9, 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 April 9, 2014
Year Made
Term
APR* w/Auto Deduct
APR* w/o Auto Deduct
Loan-to-Value
2014 - 2011
Up to 60 Months
8.24
8.74
80%
2014 - 2011
61 - 84 Months
8.49
8.99
80%
2014 - 2011
85 - 120 Months
8.74
9.24
80%
2014 - 2011
121 - 180 Months
8.99
9.49
80%
2014 - 2011
181 - 240 Months
9.49
9.99
75%
Used Manufactured Homes
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 

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 Home Equity Loans
Effective April 9, 2014
Term
APR* w/Auto Deduct
APR* w/o Auto Deduct
Required Equity
   
Up to 36 Months 3.25 3.75 80%
37 -  60 months
3.50
4.00
80%
61 - 84 months
3.74
4.24
80%
85 - 120 months
4.24
4.74
80%
121-180 months
4.49
4.99
80%
181-240 months
5.75
6.25
80%
*APR = Annual Percentage Rate

QNB pays all fees on Fixed Rate Home Equity Loans with $5,000 minimum.  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 a payment example, use our LOAN CALCULATOR and enter your selected dollar amount, term and Annual Percentage Rate.

 

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Equity Choice - Home Equity Line of Credit
Effective July 1, 2014
Product
APR*
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

*APR = Annual Percentage Rate

Required Equity - 80%

Variable rate accounts, maximum APR = 18.00%

Property insurance is, and flood insurance may be required.

 

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Fixed Rate Term Loans
with Securities Held as Collateral
Effective April 9, 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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Fixed Rate Mortgages
Owner Occupied
Effective July 24, 2014
Term
Rates
Points
APR*
30 Year Fixed
4.000
3.0
4.298
 
4.125
2.0
4.338
 
4.250
1.0
4.379
 
4.375
0.0
4.419
20 Year Fixed
3.625
3.0
4.031
 
3.750
2.0
4.040
 
3.875
1.0
4.049
 
4.125
0.0
4.185
15 Year Fixed
3.000
3.0
3.513
 
3.000
2.0
3.364
 
3.125
1.0
3.344
 
3.375
0.0
3.450
10 Year Fixed 3.250 0.00 3.357

*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.

Investment Properties: Non-Owner Occupied 1-4 Units: 75% LTV

Jumbo Mortgages   (Loan limit over $ 417,001.00)
Effective July 24, 2014
Term
Rates
Points
APR*
15 Year Fixed
3.625
0.0
3.698

*APR = Annual Percentage Rate

Rates are also available within the Hybrid ARM Products 

 

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Hybrid Adjustable Rate Mortgages
Effective July 24,  2014
Program
Rates
Points
APR*
10-1-1(Not Convertible)
3.750
1.0
3.347
 
3.990
0.0
3.416
7-1-1(Not Convertible)
3.250
1.0
2.902
 
3.500
0.0
2.940
5-1-1(Not Convertible)
3.000
1.0
2.713
 
3.125
0.0
2.678
*APR = Annual Percentage Rate

 

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1 Year ARM Program
Effective July 24,  2014
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 July 24,  2014
Rates
Points
APR*
2.750
2.0
3.580
2.850
0.0
3.442
*APR = Annual Percentage Rate

 

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