Savings & Loan Rates

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Share Account Rates

Share Account rates effective January 1, 2020.  Dividends paid January 30, 2020. 
Account Type
Annual Percentage Yield
Notes
​Main Shares
0.10%
$25.00 minimum balance required
Christmas Club
0.10%
Value
Vacation Club
0.10%
  
Health Savings
0.10%
  
IRA
0.10%
 
Premium Checking
0.10%
No minimum balance required  

Certificates of Deposit (CD)

CD rates effective January 22, 2020.  CD Rates subject to change on Wednesdays.
Term
Annual Percentage Rate
Annual Percentage Yield
6 Month
0.70%
0.70%
12 Month
0.75%
0.75%
24 Month
0.71%
0.71%
36 Month
0.75%
0.75%
60 Month
0.85%
0.85%
$500.00 Minimum CD Balance is Required. 
Early Withdrawal Penalty for CD's up to 6 months is 90 days dividends.  Early Withdrawal Penalty for CD's with terms of 12 months and over are 180 days dividends. 

Loan Rates​*

​All loan rates effective January 01 - 31, 2020.  
All rates shown based on "A" credit score (720 or higher)

Signature/Personal Loan Rates

Loan Type
Term
Annual Percentage Rate
Value
Standard
up to 60 months  
9.00%
Maximum loan is 15% of income, not to exceed $10,000
Seasonal Special
up to 12 months
7.25%
​Maximum loan amount $2000

New Auto Loans (2020-2018 Model Years Only*)

Term
Annual Percentage Rate
Notes
up to 48 months
as low as 3.25%
  
up to 60 months
as low as 3.75%
Value
up to 72 months
as low as 4.25%
Value of vehicle must be over $20,000
up to 84 months
as low as 4.75%
New Title Only.  Value of vehicle must be over $25,000.
*New title only or Dealer Demo with 5,000 miles or less

Used Vehicle Loans

Year
Term
Annual Percentage Rate
Notes
2020-2016
up to 48 months
as low as 3.75%
  
  
up to 60 months
as low as 4.25%
 
   
up to 72 months
as low as 4.75%
Value of vehicle must be over $20,000.
2015 - 2013 (80% NADA Value)
up to 48 months
as low as 4.50%
  
  
up to 60 months
as low as 5.00%
Value of vehicle must be over $20,000.  
2012 & older (80% NADA Value)
up to 36 months
as low as 5.25%
  
  
up to 48 months
as low as 6.00%
Loan must be over $20,000
Antique & Classic Vehicles**
up to 48 months
as low as 3.25%
 **  
  
up to 60 months
as low as 3.75%
**  
   
up to 72 months
as low as 4.25%
**  
   
up to 84 months
as low as 4.75%
**  
Used vehicle loans will be up to 80% of the NADA retail value of the vehicle. 
** All Antique & Classic Vehicles maximum loan value not to exceed insured appraisal & must carry insurance equal to loan.  All Antique & Classic Vehicles must conform to PA Department of Transportation's rules and regulations to qualify.

Home Equity Loans

Loan Type
Term
Annual Percentage Rate
Notes
Loan
1 - 60 months
as low as 3.50%
***
  
61 - 120 months
as low as 4.00%
***
   
121 - 180 months
as low as 4.50%
***
Line of Credit
up to 60 months
5.00%
  Variable Rate
***Home Equity Loans maximum loan to value 80% of equity.

Share Secured Loans

Annual Percentage Rate
Notes
Minimum 3.75%
Rate charged will be 2% above item being used as security for loan and rounded to the nearest 1/10th basis point.  Examples of security include regular share account or certificates of deposit. 

VISA Credit Cards

Type
Annual Percentage Rate
Notes
VISA Classic
​10.90%
Must have credit score over 639.
VISA Classic - Balance Transfer
7.00%
Value
​VISA Platinum
​8.95%
Must have credit score over 679.
​*Credit Based Lending.  Lending rates are based on FICO Credit Score at time of application, with the exception of Covered-by-Shares loans.