Home Equity Loans

All interest rates are effective as of February 3, 2012.

At the Bank's discretion, interest rates may be subject to change at any time without notice.

Standard underwriting criteria apply. Property must be located in the ACNB Bank service area.

The Annual Percentage Rate (APR) is accurate, as of the effective date above, given a minimum loan amount of $10,000. In addition at least $10,000 of the loan amount must be new borrowings at ACNB Bank to qualify for the APR and no fees.** Plus, the payment must be automatically deducted from an ACNB Bank checking or statement savings account. The interest rate for your loan is based upon your creditworthiness. The loan amount is up to 85% loan-to-value. Property insurance is required. The prepayment penalty for home equity installment loans terminated in the first 36 months is $350.

With an APR of 3.74%, the monthly loan payment is $18.30 for $1,000 borrowed for a term of 60 months.  Without automatic payment deduction, the APR is 3.99%.

With an APR of 3.99%, the monthly loan payment is $10.12 for $1,000 borrowed for a term of 120 months.  Without automatic payment deduction, the APR is 4.24%.

With an APR of 4.24%, the monthly loan payment is $7.52 for $1,000 borrowed for a term of 180 months.  Without automatic payment deduction, the APR is 4.49%.

With an APR of 4.49%, the monthly loan payment is $6.32 for $1,000 borrowed for a term of 240 months.  Without automatic payment deduction, the APR is 4.74%.

**In addition to the information above, for properties located in the state of Maryland, mortgage recordation taxes will be paid by the borrower.

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. The prepayment penalty for home equity lines of credit terminated in the first 36 months is $350.

**In addition to the information above, for properties located in the state of Maryland, mortgage recordation taxes will be paid by the borrower.

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The APR is accurate given a minimum advance of $10,000 in new borrowings from the line. Loans may be subject to other fees such as those for filing, flood certification, lien search and/or appraisal, however fees are waived** with $10,000 in new borrowings. The APR is fixed for the first five years, and then converts to a variable rate. The variable APR may increase or decrease monthly on the billing date and is equal to The Wall Street Journal Prime Rate, with a minimum APR of 3.25%. As of January 27, 2012, the APR based upon The Wall Street Journal Prime Rate was 3.25%. The maximum APR is 18.00%. APR based upon line of credit up to 85% loan-to-value. The interest rate for your line is based upon your creditworthiness. Standard underwriting criteria apply. Property must be located in the ACNB Bank service area. Property insurance is required. 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. The prepayment penalty for home equity lines of credit terminated in the first 36 months is $350.

**In addition to the information above, for properties located in the state of Maryland, mortgage recordation taxes will be paid by the borrower.

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