Rates
Deposit Rates
Consumer Loan Rates
Mortgage Rates
Certificates of Deposit
Effective May 1, 2012
|
|
Term
|
Interest Rate
|
APY* Growth CD
|
APY* Income CD
|
Minimum to Open
|
|
$500.00 Minimum
|
|
|
|
|
|
15 Month Special
|
.70
|
.70
|
.70
|
$500.00
|
|
60 Month Special
|
1.69
|
1.70
|
1.69
|
$500.00
|
|
3 - 5 months
|
.20
|
.20
|
.20
|
$500.00
|
|
6 - 11 months
|
.25
|
.25
|
.25
|
$500.00
|
|
12 - 17 months
|
.45
|
.45
|
.45
|
$500.00
|
|
12 Month Flex 12 CD
|
.40
|
.40
|
NA
|
$250.00
|
|
18 - 23 months
|
..50
|
.50
|
.50
|
$500.00
|
|
24 - 35 months
|
.60
|
.60
|
.60
|
$500.00
|
|
36 - 47 months
|
1.00
|
1.01
|
1.00
|
$500.00
|
|
48 - 59 months
|
1.25
|
1.26
|
1.25
|
$500.00
|
|
60 months
|
1.69
|
1.70
|
1.69
|
$500.00
|
|
$100,000.00 Minimum
|
|
|
|
|
|
15 Month Special
|
.70
|
.70
|
.70
|
$100,000.00
|
|
60 Month Special
|
1.73
|
1.75
|
1.73
|
$100,000.00
|
|
30 - 59 days
|
.15
|
.15
|
.15
|
$100,000.00
|
|
60 - 89 days
|
.20
|
.20
|
.20
|
$100,000.00
|
|
3 - 5 months
|
.25
|
.25
|
.25
|
$100,000.00
|
|
6 - 11 months
|
.30
|
.30
|
.30
|
$100,000.00
|
|
12 - 17 months
|
.50
|
.50
|
.50
|
$100,000.00
|
|
12 Month Flex 12 CD
|
.40
|
.40
|
.40
|
$100,000.00
|
|
18 - 23 months
|
.55
|
.55
|
.55
|
$100,000.00
|
|
24 - 35 months
|
.65
|
.65
|
.65
|
$100,000.00
|
|
36 - 47 months
|
1.04
|
1.05
|
1.04
|
$100,000.00
|
|
48 - 59 months
|
1.30
|
1.31
|
1.30
|
$100,000.00
|
|
60 months
|
1.73
|
1.75
|
1.73
|
$100,000.00
|
CHECK OUT OUR 60 MONTH CD SPECIAL!
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
|
Checking, Money Market, Savings
Effective May 1, 2012
|
|
|
Interest Rate
|
APY*
|
Minimum to Open
|
|
EZ Checking & Select 50
|
|
|
$25.00
|
|
$0.00 - $999.99
|
.05
|
.05
|
|
|
$1,000 and over
|
.05
|
.05
|
|
|
QNB-Rewards Checking
|
|
|
$25.00
|
|
$0.00 - $24,999.991
|
1.24
|
1.25
|
|
|
$25,000 and over2
|
.50
|
.50
|
|
|
Base Rate
|
.15
|
.15
|
|
|
Select Money Market
|
|
|
$25.00
|
|
$0.00 - $9,999.99
|
.10
|
.10
|
|
|
$10,000 - $24,999.99
|
.15
|
.15
|
|
|
$25,000 - $49,999.99
|
.20
|
.20
|
|
|
$50,000 - $74,999.99
|
.30
|
.30
|
|
|
$75,000 and over
|
.40
|
.40
|
|
|
Statement Savings
|
.15
|
.15
|
$5.00
|
|
EZ Saver Clubs
|
.15
|
.15
|
$5.00
|
|
Online eSavings
|
.90
|
.90
|
$5.00
|
|
Health Savings
|
|
|
$20.00
|
|
$0.00 - $4,999.99
|
.10
|
.10
|
|
|
$5,000 and over
|
.15
|
.15
|
|
Checking, Savings and Money Market accounts are all Variable Rate Accounts. The interest rates may vary. 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 16, 2012
|
|
Term
|
APR* w/Auto Deduct
|
APR* w/o Auto Deduct
|
Credit Limit
|
|
Up to 36 Months
|
11.75
|
12.00
|
Up to $2,500
|
|
Up to 36 Months
|
11.25
|
11.50
|
$2,501 - $10,000**
|
*APR = Annual Percentage Rate
**Borrower is required to have a credit score of 750+, own real estate and be a QNB customer.
|
Automobile Loans
Effective April 16, 2012
|
|
Year
|
APR* w/Auto Deduct
|
APR* w/o Auto Deduct
|
Maximum Term
|
QNB will Finance
|
|
New
|
5.24
|
5.49
|
Up to 60 Months
|
100%
|
|
New
|
5.49
|
5.74
|
72 Mo. (Minimum $20K)
|
100%
|
|
1-2 Years Old
|
5.74
|
5.99
|
Up to 60 months
|
90%**
|
|
3-4 Years Old
|
5.99
|
6.24
|
Up to 48 months
|
80%**
|
|
5-6 Years Old
|
7.49
|
7.74
|
Up to 36 months
|
70%**
|
|
7-10 Years Old
|
9.49
|
9.74
|
Up to 36 months
|
60%**
|
*APR = Annual Percentage Rate
**Sales price OR the Book Retail Value - Whichever is less
(Motorcycle Loans add 2.00% to current vehicle rate)
|
Land Purchase Loans
Effective April 16, 2012
|
|
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 16, 2012
|
|
Year Made
|
Term
|
APR* w/Auto Deduct
|
APR* w/o Auto Deduct
|
Loan-to-Value
|
|
2012 - 2008
|
Up to 60 Months
|
8.24
|
8.49
|
80%
|
|
2012 - 2008
|
61 - 84 Months
|
8.49
|
8.74
|
80%
|
|
2012 - 2008
|
85 - 120 Months
|
8.74
|
8.99
|
80%
|
|
2012 - 2008
|
121 - 180 Months
|
8.99
|
9.24
|
80%
|
|
2012 - 2008
|
181 - 240 Months
|
9.49
|
9.74
|
75%
|
|
1997 - 2007
|
Up to 84 Months
|
9.24
|
9.49
|
70% 1997-2002 80% 2003-2007
|
|
2000 - 2007
|
Up to 120 Months
|
9.49
|
9.74
|
70% 1997-2002 80% 2003-2007
|
|
2003 - 2007
|
Up to 144 Months
|
9.99
|
10.24
|
75%
|
*APR = Annual Percentage Rate
|
Fixed Rate Home Equity Loans
Effective April 16, 2012
|
|
Term
|
APR* w/Auto Deduct 1st Lien
|
APR* w/Auto Deduct Jr. Lien
|
APR* w/o Auto Deduct 1st Lien
|
APR* w/o Auto Deduct Jr. Lien
|
Required Equity
|
|
Up to 36 months
|
2.99
|
3.74
|
3.24
|
3.99
|
85%
|
|
37 - 60 months
|
3.24
|
3.99
|
3.49
|
4.24
|
85%
|
|
61 - 84 months
|
3.75
|
4.50
|
4.00
|
4.75
|
85%
|
|
85 - 120 months
|
4.24
|
4.99
|
4.49
|
5.24
|
85%
|
|
121-180 months
|
4.74
|
5.49
|
4.99
|
5.74
|
80%
|
|
181-240 months
|
5.50
|
6.25
|
5.75
|
6.50
|
80%
|
*APR = Annual Percentage Rate
**Flat fee of $150 for ALL Fixed Rate Home Equity Loans under $25,000 of new money. QNB pays ALL the fees on H.E. loans in excess of $25,000 new money up to 85% LTV. Maximum loan amount of $50,000 in excess of 80% LTV. Bi-weekly payments available for ALL Fixed Rate Home Equity Loans (W/auto deduct)
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 16, 2012
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
|
|
|
Revolving Credit Lines
Effective April 16, 2012
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
|
*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 May 10, 2012
|
|
Term
|
Rates
|
Points
|
APR*
|
|
30 Year Fixed
|
3.625
|
3.0
|
3.916
|
|
|
3.750
|
2.0
|
3.959
|
|
|
3.875
|
1.0
|
4.001
|
|
|
4.125
|
0.0
|
4.168
|
|
20 Year Fixed
|
3.500
|
3.0
|
3.905
|
|
|
3.625
|
2.0
|
3.914
|
|
|
3.750
|
1.0
|
3.924
|
|
|
3.875
|
0.0
|
3.934
|
|
15 Year Fixed
|
3.000
|
3.0
|
3.513
|
|
|
3.000
|
2.0
|
3.364
|
|
|
3.000
|
1.0
|
3.218
|
|
|
3.125
|
0.0
|
3.199
|
*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 May 10, 2012
|
|
Program
|
Rates
|
Points
|
APR*
|
|
10-1-1(Not Convertible)
|
4.000
|
1.0
|
3.556
|
|
|
4.375
|
0.0
|
3.713
|
|
7-1-1(Not Convertible)
|
3.500
|
1.0
|
3.089
|
|
|
3.875
|
0.0
|
3.187
|
|
5-1-1(Not Convertible)
|
3.375
|
1.0
|
2.929
|
|
|
3.500
|
0.0
|
2.893
|
|
*APR = Annual Percentage Rate
|
1 Year ARM Program
Effective May 10, 2012
|
|
Rates
|
Points
|
APR*
|
|
2.750
|
2.0
|
2.715
|
|
2.875
|
0.0
|
2.569
|
|
*APR = Annual Percentage Rate
|
3 Year ARM Program
Effective May 10, 2012
|
|
Rates
|
Points
|
APR*
|
|
2.750
|
2.0
|
3.045
|
|
3.000
|
0.0
|
2.943
|
|
*APR = Annual Percentage Rate
|
|
 |
