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Rates

Deposit Rates

Consumer Loan Rates

Mortgage Rates


Certificates of Deposit
Effective November 4, 2009
Term
Interest Rate
APY* Growth CD
APY* Income CD
Minimum to Open
November 18-Month Variable IRA1
.19
.19
-
$100.00
$500.00 +
SPECIAL: 15 Month CD
1.98
2.00
1.98
$500.00
3 - 5 months
0.65
0.65
0.65
$500.00
6 - 11 months
0.75
0.75
0.75
$500.00
12 - 17 months
1.24
1.25
1.24
$500.00
12 Month Flex 12 CD
1.19
1.20
NA
$250.00
18 - 29 months
1.49
1.50
1.49
$500.00
30 - 35 months
1.98
2.00
1.98
$500.00
36 - 47 months
2.08
2.10
2.08
$500.00
48 - 59 months
2.47
2.50
2.47
$500.00
60 months
2.96
3.00
2.96
$500.00
$100,000.00 +
SPECIAL: 15 Month CD
1.98
2.00
1.98
$100,000.00
30 - 59 days
0.75
0.75
0.75
$100,000.00
60 - 89 days
0.75
0.75
0.75
$100,000.00
3 - 5 months
0.75
0.75
0.75
$100,000.00
6 - 11 months
0.85
0.85
0.85
$100,000.00
12 - 17 months
1.34
1.35
1.34
$100,000.00
12 Month Flex 12 CD
N/A
N/A
N/A
$100,000.00
18 - 29 months
1.59
1.60
1.59
$100,000.00
30 - 35 months
2.08
2.10
2.08
$100,000.00
36 - 47 months
2.18
2.20
2.18
$100,000.00
48 - 59 months
2.57
2.60
2.57
$100,000.00
60 months
3.10
3.15
3.10
$100,000.00
Check out our 15 Month CD! 2.00% APY, 1.98% rate
IMPORTANT: Special CD rates apply to initial term of CD ONLY

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

1. Variable rate account, the interest rate may vary


Checking, Money Markets, Savings
Effective November 4, 2009
Interest Rate
APY*
Minimum to Open
Interest Checking
$25.00
$0.00 - $999.99
.05
.05
$1,000 and over
.05
.05
eRewards Checking
$25.00
$0.00 - $24,999.991
3.20
3.25
$25,000 and over2
1.01
1.01
Base Rate
.15
.15
Money Market
$25.00
$0.00 - $1,499.99
.25
.25
$1,500 and over
.40
.40
Select Money Market
$25.00
$0.00 - $9,999.99
.65
.65
$10,000 - $24,999.99
.75
.75
$25,000 - $49,999.99
.90
.90
$50,000 - $74,999.99
1.00
1.00
$75,000 and over
1.10
1.11
Statement Savings
.25
.25
$5.00
EZ Saver
.25
.25
$5.00
Online eSavings
1.84
1.85
$5.00
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


Unsecured Loans
Effective April 21, 2009
Term
APR* w/Auto Deduct
APR* w/o Auto Deduct
Credit Limit
Up to 36 Months
15.50
15.75
Up to $2,500
Up to 36 Months
12.50
12.75
$2,501 - $10,000**
*APR = Annual Percentage Rate

**Borrower is required to have a credit score of 750 or higher, own real estate and be a QNB customer.


Automobile Loans
Effective April 21, 2009
Year
APR* w/Auto Deduct
APR* w/o Auto Deduct
Maximum Term
QNB will Finance
New
6.74
6.99
Up to 60 Months
100%
New
6.74
6.99
72 Mo. (Minimum $20K)
100%
1-2 Years Old
7.74
7.99
Up to 60 months
90%**
3-4 Years Old
8.24
8.49
Up to 48 months
80%**
5-6 Years Old
9.24
9.49
Up to 36 months
70%**
7-10 Years Old
11.49
11.74
Up to 36 months
60%**
*APR = Annual Percentage Rate
**OR the Book Retail Value - Whichever is less
(Motorcycle Loans add .50% to current vehicle rate)


Land Purchase Loans
Effective April 21, 2009
Loan Type
APR* w/Auto Deduct
APR* w/o Auto Deduct
Maximum Term
Required Equity
Land Purchase
9.50
9.75
up to 120 months
65%
*APR = Annual Percentage Rate


Manufactured Home Loans
Effective April 21, 2009
Year Made
Term
APR* w/Auto Deduct
APR* w/o Auto Deduct
Loan-to-Value**
Credit Score needed
2008 - 2004
Up to 180 Months
7.99
8.24
80%
700+ for both applicants
2008 - 2004
181 to 240 Months
8.24
8.49
80%
700+ for both applicants
2008 - 2004
Up to 60 Months
8.24
8.49
80%
650 - 700
2008 - 2004
61 - 84 Months
8.49
8.74
80%
650 - 700
2008 - 2004
85 - 120 Months
8.74
8.99
80%
650 - 700
2008 - 2004
121 - 180 Months
8.99
9.24
80%
650 - 700
2008 - 2004
181 - 240 Months
9.49
9.74
80%
650 - 700
1993 - 2003
Up to 84 Months
9.24
9.49
70% 1992-1998 80% 1991-2003
Minimum 650
1996 - 2003
Up to 120 Months
9.49
9.74
70% 1993-1998 80% 1999-2003
Minimum 650
1999 - 2003
Up to 144 Months
9.99
10.24
80%
Minimum 650
*APR = Annual Percentage Rate
**Loan-to-value (LTV) is based upon the Agreement of Sale if brand-new or an Appraisal - 80% LTV


Fixed Rate Home Equity
Effective April 21, 2009
Maximum Term
APR* w/Auto Deduct
APR* w/o Auto Deduct
Required Equity
Up to 36 months
5.95
6.20
85%
37 - 60 months
5.95
6.20
85%
61-84 months
6.24
6.49
85%
85 - 120 months
6.49
6.74
85%
121 - 180 months
6.74
6.99
85%
181 - 240 months
7.125
7.375
80%
up to 120 months
8.74
8.99
86 - 90%
Check out our 240 month Fixed Rate Home Equity Loan! Bi-weekly payments now available for all Fixed Rate Home Equity Loans (with auto payment)

*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.


Investment Properties
Effective April 21, 2009
Non-Owner Occupied 1-4 Units: 70% LTV
Term
APR* w/Auto Deduct
APR* w/o Auto Deduct
Required Equity
Up to 60 months
8.50
8.75
70% Maximum LTV
61 - 120 months
9.25
9.50
70% Maximum LTV
*APR = Annual Percentage Rate


Revolving Credit Lines
Effective April 21, 2009

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
(Prime Rate minus 1/2% with automatic payment) Minimum APR = 4.00%, Maximum APR = 18.00%
4.00
Equity Choice Line of Credit
(Prime Rate without automatic payment) Minimum APR = 4.50%, Maximum APR = 18.00%
4.50
ASK ABOUT OUR NEW EQUITY CHOICE LINE OF CREDIT - THE ONLY LOAN YOU'LL EVER NEED!
*APR = Annual Percentage Rate

Variable rate accounts, maximum APR = 18.00%

Property insurance required on all loans secured by real estate.


Fixed Rate Mortgages
Owner Occupied
Effective November 18, 2009
Term
Rates
Points
APR*
30 Year Fixed
4.625
3.0
4.957
4.750
2.0
4.994
4.875
1.0
5.031
5.125
0.0
5.193
20 Year Fixed
4.625
3.0
5.079
4.625
2.0
4.956
4.750
1.0
4.961
5.000
0.0
5.092
15 Year Fixed
4.500
3.0
5.074
4.500
2.0
4.919
4.500
1.0
4.766
4.625
0.0
4.740
*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.


Hybrid Adjustable Rate Mortgages
Effective November 18, 2009
Program
Rates
Points
APR*
10-1-1(Not Convertible)
5.500
1.0
4.663
5.625
0.0
4.660
7-1-1(Not Convertible)
5.375
1.0
4.154
5.500
0.0
4.135
5-1-1(Not Convertible)
5.250
1.0
3.767
5.375
0.0
3.735
*APR = Annual Percentage Rate


1 Year ARM Program
Effective November 18, 2009
Rates
Points
APR*
4.750
2.0
3.028
6.000
0.0
3.065
*APR = Annual Percentage Rate


3 Year ARM Program
Effective November 18, 2009
Rates
Points
APR*
5.500
2.0
4.504
6.750
0.0
4.701
*APR = Annual Percentage Rate

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