Rates
Deposit Rates
Consumer Loan Rates
Mortgage Rates
Certificates of Deposit
Effective May 7, 2008
|
|
Term
|
Interest Rate
|
APY* Growth CD
|
APY* Income CD
|
Minimum to Open
|
|
May 18-Month Variable IRA1 |
1.70
|
1.71
|
-
|
$100.00
|
|
$500.00 +
|
|
|
|
|
|
Specials:
18 Month CD
|
3.20
|
3.25
|
3.20
|
$500.00
|
|
3 - 5 months
|
1.98
|
2.00
|
1.98
|
$500.00
|
|
6 - 11 months
|
2.47
|
2.50
|
2.47
|
$500.00
|
|
12 - 17 months
|
2.71
|
2.75
|
2.71
|
$500.00
|
|
12 Month Flex 12 CD
|
2.62
|
2.65
|
N/A
|
$250.00
|
|
18 - 29 months
|
3.20
|
3.25
|
3.20
|
$500.00
|
|
30 - 35 months
|
2.81
|
2.85
|
2.81
|
$500.00
|
|
36 - 47 months
|
2.81
|
2.85
|
2.81
|
$500.00
|
|
48 - 59 months
|
2.81
|
2.85
|
2.81
|
$500.00
|
|
60 months
|
2.96
|
3.00
|
2.96
|
$500.00
|
|
$100,000.00 +
|
|
|
|
|
|
Specials:
18 Month CD
|
3.20
|
3.25
|
3.20
|
$100,000.00
|
|
30 - 59 days
|
2.25
|
2.28
|
2.25
|
$100,000.00
|
|
60 - 89 days
|
2.25
|
2.28
|
2.25
|
$100,000.00
|
|
3 - 5 months
|
2.10
|
2.12
|
2.10
|
$100,000.00
|
|
6 - 11 months
|
2.60
|
2.63
|
2.60
|
$100,000.00
|
|
12 - 17 months
|
2.85
|
2.89
|
2.85
|
$100,000.00
|
|
12 Month Flex 12 CD3 |
N/A
|
N/A
|
N/A
|
$100,000.00
|
|
18 - 29 months
|
3.20
|
3.25
|
3.20
|
$100,000.00
|
|
30 - 35 months
|
2.86
|
2.90
|
2.86
|
$100,000.00
|
|
36 - 47 months
|
2.86
|
2.90
|
2.86
|
$100,000.00
|
|
48 - 59 months
|
2.86
|
2.90
|
2.86
|
$100,000.00
|
|
60 months
|
3.00
|
3.05
|
3.00
|
$100,000.00
|
Check out our 9 Month CD! 2.85 APY, 2.81 rate!
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 May 7, 2008
|
|
|
Interest Rate
|
APY*
|
Minimum to Open
|
|
Interest Checking
|
|
|
$25.00
|
|
-$0.00 - $999.99
|
.15
|
.15
|
|
|
-$1,000 and over
|
.15
|
.15
|
|
|
Money Market
|
|
|
$25.00
|
|
-$0.00 - $1,499.99
|
.25
|
.25
|
|
|
-$1,500 and over
|
.50
|
.50
|
|
|
Select Money Market
|
|
|
$25.00
|
|
-$0.00 - $9,999.99
|
1.24
|
1.25
|
|
|
-$10,000 - $24,999.99
|
1.74
|
1.75
|
|
|
-$25,000 - $49,999.99
|
1.98
|
2.00
|
|
|
-$50,000 - $74,999.99
|
1.98
|
2.00
|
|
|
-$75,000 and over
|
1.98
|
2.00
|
|
|
Statement Savings
|
.40
|
.40
|
$5.00
|
|
EZ Saver
|
.25
|
.25
|
$5.00
|
Fees may reduce earnings
*APY = Annual Percentage Yield
|
Unsecured Loans
Effective May 5, 2008
|
|
Term
|
APR* w/Auto Deduct
|
APR* w/o Auto Deduct
|
Credit Limit
|
|
Up to 36 Months
|
15.50
|
15.75
|
Up to $5,000
|
|
Up to 36 Months
|
12.50
|
12.75
|
$5,001 - $10,000**
|
*APR = Annual Percentage Rate
**Borrower is required to have a credit score of 720 or higher, own real estate and be a QNB customer.
|
Automobile Loans
Effective May 5, 2008
|
|
Year
|
APR* w/Auto Deduct
|
APR* w/o Auto Deduct
|
Maximum Term
|
QNB will Finance
|
|
New-2008 & 2007
|
6.74
|
6.99
|
Up to 60 Mo. (72 Mos. minimum $20K)
|
100%
|
|
Used-2007 & 2006
|
7.74
|
7.99
|
Up to 60 months
|
90%**
|
|
Used-2005 & 2004
|
8.24
|
8.49
|
Up to 48 months
|
80%**
|
|
Used-2003 & 2002
|
9.24
|
9.49
|
Up to 36 months
|
70%**
|
|
Used-2001 & older
|
11.49
|
11.74
|
Up to 36 months
|
70%**
|
*APR = Annual Percentage Rate
**OR the Book Retail Value - Whichever is less
(Motorcycle Loans add .50% to current vehicle rate)
|
Land Purchase Loans
Effective May 5, 2008
|
|
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 May 5, 2008
|
|
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 - 1995
|
Up to 84 Months
|
9.24
|
9.49
|
70%
|
Minimum 650
|
|
1996 - 1998
|
Up to 120 Months
|
9.49
|
9.74
|
70%
|
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 May 5, 2008
|
|
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
|
6.49
|
6.74
|
85%
|
|
181 - 240 months
|
6.99
|
7.24
|
80%
|
|
up to 120 months
|
8.74
|
8.99
|
86 - 100%
|
Check out our new 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 May 5, 2008
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%
|
|
61 - 120 months
|
9.25
|
9.50
|
70%
|
|
*APR = Annual Percentage Rate
|
Revolving Credit Lines
Effective May 5, 2008
Maximum 80% LTV and one (1) additional point to all fixed rates.
ARM PROGRAMS NOT AVAILABLE FOR CONSTRUCTION!
|
|
Product
|
APR*
|
|
Unsecured Line of Credit
|
9.00
|
|
Overdraft Line of Credit
|
9.00
|
|
Equity Choice Line of Credit
(Prime Rate minus 1/2% with automatic payment)
|
4.50
|
|
Equity Choice Line of Credit
(Prime Rate without automatic payment)
|
5.00
|
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 = 18.0%
Property insurance required on all loans secured by real estate.
|
Fixed Rate Mortgages
Owner Occupied
Effective May 9, 2008
|
|
Term
|
Rates
|
Points
|
APR*
|
|
30 Year Fixed
|
5.375
|
3.0
|
5.720
|
|
|
5.625
|
2.0
|
5.880
|
|
|
5.750
|
1.0
|
5.913
|
|
|
6.125
|
0.0
|
6.196
|
|
20 Year Fixed
|
5.250
|
3.0
|
5.712
|
|
|
5.375
|
2.0
|
5.713
|
|
|
5.625
|
1.0
|
5.841
|
|
|
5.875
|
0.0
|
5.969
|
|
15 Year Fixed
|
4.875
|
3.0
|
5.331
|
|
|
5.000
|
2.0
|
5.423
|
|
|
5.250
|
1.0
|
5.520
|
|
|
5.625
|
0.0
|
5.742
|
Ask About Our First Time Homebuyer Products
*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 aloan 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 May 9, 2008
|
|
Program
|
Rates
|
Points
|
APR*
|
|
10-1-1(Not Convertible)
|
5.750
|
1.0
|
5.347
|
|
|
6.125
|
0.0
|
5.507
|
|
7-1-1(Not Convertible)
|
5.625
|
1.0
|
5.035
|
|
|
6.000
|
0.0
|
5.138
|
|
5-1-1(Not Convertible)
|
5.500
|
1.0
|
4.804
|
|
|
5.875
|
0.0
|
4.861
|
|
*APR = Annual Percentage Rate
|
1 Year ARM Program
Effective May 9, 2008
|
|
Rates
|
Points
|
APR*
|
|
4.750
|
2.0
|
4.417
|
|
6.000
|
0.0
|
4.356
|
|
*APR = Annual Percentage Rate
|
3 Year ARM Program
Effective May 9, 2008
|
|
Rates
|
Points
|
APR*
|
|
5.500
|
2.0
|
5.375
|
|
6.750
|
0.0
|
5.511
|
|
*APR = Annual Percentage Rate
|
|
 |
