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Savings & Loan Rates
Share Account Rates
Share Account rates effective January 1, 2023. Dividends will pay January 31st, 2023.
Account Type |
Annual Percentage Yield |
Notes |
Main Shares |
0.05% |
$25.00 minimum balance required |
Christmas Club |
0.05% |
|
Vacation Club |
0.05% |
|
Health Savings |
0.05% |
|
IRA |
0.05% |
|
Premium Checking |
0.05% |
No minimum balance required |
Certificates of Deposit (CD)
CD rates effective January 12, 2022. CD Rates subject to change on Wednesdays.
Term |
Annual Percentage Rate |
Annual Percentage Yield |
6 Month |
0.05% |
0.05% |
12 Month |
0.10% |
0.10% |
24 Month |
0.15% |
0.15% |
36 Month |
0.20% |
0.20% |
60 Month |
0.20% |
0.20% |
$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.
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 1, 2023.
All rates shown based on "A" credit score (720 or higher)
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 |
10.50% |
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 (2023-2021 Model Years Only*)
Term |
Annual Percentage Rate |
Notes |
up to 48 months |
as low as 4.75% |
|
up to 60 months |
as low as 5.00% |
Value |
up to 72 months |
as low as 5.50% |
Value of vehicle must be over $20,000 |
up to 84 months |
as low as 6.00% |
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 |
2023-2019 |
up to 48 months |
as low as 5.25% |
|
up to 60 months |
as low as 5.75% |
||
up to 72 months |
as low as 6.25% |
Value of vehicle must be over $20,000. |
|
2018 - 2016 (80% NADA Value) |
up to 48 months |
as low as 6.00% |
|
up to 60 months |
as low as 6.50% |
Value of vehicle must be over $20,000. |
|
2015 & older (80% NADA Value) |
up to 36 months |
as low as 6.75% |
|
up to 48 months |
as low as 7.50% |
Loan must be over $20,000 |
|
Antique & Classic Vehicles** |
up to 48 months |
as low as 4.75% |
** |
up to 60 months |
as low as 5.25% |
** |
|
up to 72 months |
as low as 5.75% |
** |
|
up to 84 months |
as low as 6.25% |
** |
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.
** 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 4.75% |
*** |
61 - 120 months |
as low as 5.00% |
*** |
|
121 - 180 months |
as low as 5.25% |
*** |
|
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 5.00% |
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% |
|
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.
