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OTHER RATES AND TERMS AVAILABLE.
Offer valid through February 28, 2012 but may be modified or discontinued without notice. At least $10,000 of the loan amount or initial advance must be new borrowings at ACNB Bank. The property must be located in the ACNB Bank service area. The Annual Percentage Rate (APR) is fixed at 2.99% for the first 12 billing cycles. Thereafter, the APR may increase or decrease monthly on the billing date and is equal to The Wall Street Journal Prime Rate. As of January 27, 2012, the APR based upon the Wall Street Journal Prime Rate is 3.25%. The maximum APR is 18.00%. The interest rate is based upon your creditworthiness. The loan or line amount is up to 85% loan-to-value. Property insurance is required. Standard underwriting criteria apply. Your minimum payments may not be sufficient to fully repay the principal that is outstanding on your line. If they are not, you will be required to pay the entire outstanding balance in a single payment. For properties located in the state of Maryland, mortgage recordation taxes will be paid by the borrower. The prepayment penalty for home equity secured lines of credit terminated in the first 36 months is $350.
Equal Housing Lender. Member FDIC.