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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


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