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You have dreams of what lies beyond the mountain of papers, projects and exams to be completed in college. We'll help make those dreams a reality. Extra Credit, our student line of credit, can help cover the costs of tuition, books, room and board, and other education-related expenses. If you have questions, click here or call toll free 1.888.334.ACNB (2262).

Interested in more information on paying for higher education?  Click here for some helpful tips. For information on our student loan process, click here.


 Extra Credit - Student Line of Credit

  • Available upon approval of application. In most cases, Extra Credit will be a joint line of credit with both a student and parent or other legal guardian on the line. Adult students who have an established credit history may apply individually.
  • Access to cash when you need it---simply by writing an Extra Credit check or using a debit card! Checks may be made payable to the educational institution or deposited into a personal checking account to cover a wide variety of educational expenses. The debit card can be used to make purchases or get cash at the ATM.

  • The interest rate is variable and assessed only on the amount used. As payments are made, the line of credit becomes accessible over and over again. The draw period may last as long as the first 60 months of the line, depending on each student's situation.

  • The repayment schedule was designed with students in mind. During the draw period, the only payments necessary are quarterly interest payments. Additional payments may be made at any time when it fits your budget---there is no prepayment penalty.

  • No minimum amount is required to make a withdrawal.

  • When Extra Credit is secured by collateral, the collateral may be a home or liquid collateral, such as CDs, stocks, bonds, savings or life insurance. The minimum credit line amount is $5,000 when secured by a home. When secured by other collateral, the minimum amount is $2,500. The maximum amount is $300,000.

  • If Extra Credit is not secured by collateral, the minimum credit line amount is $2,500 and the maximum amount is $50,000.

  • May provide Overdraft Protection for an ACNB Bank checking account. A disbursement is transferred from Extra Credit to the overdrawn account automatically. It is the last source of funds for Overdraft Protection if other deposit accounts are accessed for Overdraft Protection. Interest begins to accrue upon transfer to the overdrawn account.

Below are some helpful links on planning and paying for higher education.

FAFSA Information 
Federal Student Aid 


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