All rates are effective as of July 29, 2010. At the Bank's discretion, interest rates may be subject to change at any time without notice. No down payment required for these types of loans. The credit line amount depends upon the appraised value and equity in your primary residence. The interest rate for your line is based upon your creditworthiness. The APR may increase or decrease monthly on the billing date. It is equal to The Wall Street Journal Prime Rate, but will never be lower than 4.00%. As of
December 17, 2008
, the APR based upon The Wall Street Journal Prime Rate was 3.25%. Loans may be subject to other fees such as those for filing, flood certification, lien search and/or appraisal. For variable rate HELCs, the minimum APR is 4.00% and the maximum is 18.00%. Property insurance is required. 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, but will never be lower than 4.00%. As of
December 17, 2008
, the APR based upon The Wall Street Journal Prime Rate was 3.25%. The minimum APR is 4.00% and the maximum APR is 18.00%. No down payment required for this type of loan. The credit line amount depends upon the appraised value and equity in your primary residence. The interest rate for your line is based upon your creditworthiness. Loans may be subject to other fees such as those for filing, flood certification, lien search and/or appraisal. Property insurance is required. For current Commercial Loan Interest Rates, please contact a commercial loan officer at (717)334-3161 or toll free (888)334-2262. Click here for our calculators.Home Equity Loans
Home Equity Loan Annual Percentage Rate (APR) *Special *1-60 months 4.99% *61-120 months 5.49% *121-180 months 5.85% *181-239 months 6.99% 240 months 7.24%
Variable Rate Home Equity Lines of Credit (HELCs) Annual Percentage Rate (APR) 4.00%
Fixed Rate Home Equity Lines of Credit (HELCs) Annual Percentage Rate (APR) 6.25%















