## Home Equity Loans

All interest rates are effective as of April 15, 2014.

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

Home Equity Loan | Annual Percentage Rate (APR) |

1-60 months | 3.49% |

61-120 months | 3.94% |

121-180 months | 4.19% |

181-240 months | 4.44% |

see disclosures *1*

Variable Rate Home Equity Lines of Credit (HELCs) |

Annual Percentage Rate (APR) |

1.99% |

For 12 months, no fees* |

Current variable rate would be 3.25% APR |

see disclosures *2*

Fixed Rate Home Equity Lines of Credit (HELCs) | ||||

Annual Percentage Rate (APR) | ||||

3.49% | ||||

The APR is fixed for the first five years, and then converts to a variable rate. |

see disclosure *3*

Interest Only Home Equity Line of Credit | |||

Term | Annual Percentage Rate (APR) | ||

5 Year Draw Period | 3.49% |

*4*

Interest Only Home Equity Line of Credit | |||

Term | Annual Percentage Rate (APR) | ||

10 Year Draw Period | 3.74% |

*5*

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*(1)*Offer valid 2/21/2014 through 5/31/2014 but may be modified or discontinued without notice. Standard underwriting criteria apply. Property must be located in the ACNB Bank service area. The annual percentage rate is accurate, as of 4/1/2014, given a minimum loan amount of $20,000. In addition at least $20,000 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 90% loan-to-value. Property insurance is required. In the first 12 months of the loan, if you prepay principal in the amount of $5,000 or more, the Bank will not waive the original settlement costs. Payment does not include taxes and insurance; actual payment obligation will be greater. If we are unable to determine the property value with an Automated Valuation Model (AVM) and Photo Condition Report (PCR), the Bank may be required to order an appraisal. The cost of the appraisal will be the applicant’s responsibility. In addition to the information above, for properties located in the state of Maryland, mortgage recordation taxes will be paid by the borrower.

With an APR of 3.49%, the monthly loan payment is $18.19 for $1,000 borrowed for a term of 60 months. Without automatic payment deduction, the APR is 3.74%.**

With an APR of 3.94%, the monthly loan payment is $10.10 for $1,000 borrowed for a term of 120 months. Without automatic payment deduction, the APR is 4.19%.**

With an APR of 4.19%, the monthly loan payment is $7.49 for $1,000 borrowed for a term of 180 months. Without automatic payment deduction, the APR is 4.44%.**

With an APR of 4.44%, the monthly loan payment is $6.29 for $1,000 borrowed for a term of 240 months. Without automatic payment deduction, the APR is 4.69%.**

**Payment does not include taxes and insurance; actual payment obligation will be greater.

*(2)* 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, but may be modified or discontinued without notice. At least $20,000 of the loan amount or initial advance must be new borrowings at ACNB Bank to qualify for the Annual Percentage Rate (APR) and no fees. Plus, the payment must be automatically deducted from an ACNB Bank checking or statement savings account. The Annual Percentage Rate (APR) is fixed at 1.99% 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 April 1, 2014, 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 90% loan-to-value. 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 2% of the credit limit or $350, whichever is less. *Subject to appraisal requirements. If we are unable to determine the property value with an Automated Valuation Model (AVM) and Property Condition Report (PCR), the Bank may be required to order an appraisal. The cost of the appraisal will be the applicant’s responsibility. In addition to the information above, for properties located in the state of Maryland, mortgage recordation taxes will be paid by the borrower.

*(3)* Standard underwriting criteria apply. Property must be located in the ACNB Bank service area. The Annual Percentage Rate (APR) is accurate given the minimum advance of $20,000 in new borrowings from the line. 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 April 1, 2014, 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 90% loan-to-value. The interest rate for your line is based upon your creditworthiness. Property insurance is required. The payment must be automatically deducted from an ACNB Bank checking or statement savings account. 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 2% of the credit limit or $350, whichever is less. Subject to appraisal requirements. If we are unable to determine the property value with an Automated Valuation Model (AVM) and Property Condition Report (PCR), the Bank may be required to order an appraisal. The cost of the appraisal will be the applicant’s responsibility. In addition to the information above, for properties located in the state of Maryland, mortgage recordation taxes will be paid by the borrower.

*(4)* Standard underwriting criteria apply. Property must be located in the ACNB Bank service area. The credit line amount may vary from $5,000 to $150,000. This loan has a 5 year draw period, with interest only payments and a 15 year repayment period. The variable APR may increase or decrease monthly on the billing date. The interest rate for your line is based upon your creditworthiness and a minimum FICO score of 675 is required. The rate will be The Wall Street Journal Prime Rate plus a margin of 0.24%. As of April 1, 2014, the APR based upon The Wall Street Journal Prime Rate plus a margin would be 3.49%. The maximum APR is 18.00%. APR based upon line of credit up to 80% loan-to-value. Payment must be automatically deducted from an ACNB Bank checking or statement savings account. 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 2% of the credit limit or $350, whichever is less.

*(5)* Standard underwriting criteria apply. Property must be located in the ACNB Bank service area. The credit line amount may vary from $5,000 to $150,000. This loan has a 10 year draw period, with interest only payments and a 15 year repayment period. The variable APR may increase or decrease monthly on the billing date. The interest rate for your line is based upon your creditworthiness and a minimum FICO score of 700 is required. The rate will be The Wall Street Journal Prime Rate plus a margin of 0.49%. As of April 1, 2014, the APR based upon The Wall Street Journal Prime Rate plus a margin would be 3.74%. The maximum APR is 18.00%. APR based upon line of credit up to 80% loan-to-value. Payment must be automatically deducted from an ACNB Bank checking or statement savings account. 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 2% of the credit limit or $350, whichever is less.

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