Home Equity Loan Special

Endless Possibilities with a Home Equity Loan

How could you use the equity in your home? Our unique special gives you the security of locking in a low rate of 4.99% APR for 20 years. Any interest you pay may be tax deductible, please check with your tax advisor to be sure.

Home Equity Loan Special

A home equity loan is an excellent way for homeowners to: 

  • Finance large projects or purchases
  • Pay for unexpected expenses
  • Consolidate debt
  • Home renovation
  • Finance education
  • Buy a new car or truck
  • and much more

Don't miss out on this limited time offer!

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Home Equity Loan

  • You’ll receive the entire amount upfront.
  • Interest rates are fixed.
  • Variety of terms ranging from 1 month to 20 years.

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Home Equity Line of Credit (HELC)

  • Take what you need, when you need it.
  • Lines with variable and fixed rates.
  • Fixed interest rate for up to five years.

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Ways to Apply

Apply Online

Apply easily using our online loan application!

Apply Online

Apply By Phone

We have dedicated staff that can assist you with applying right over the phone!

Call to get started now!


Visit an Office

Our friendly knowledgeable office staff can take your application at an office convenient to you.

Use our office locator to find an office near you.

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We have a variety of calculators available for you.



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Equal Housing Lender. Member FDIC. Application must be made September 9, 2019 through November 29, 2019 but is subject to change without notice. Standard underwriting criteria apply. Property must be located in the ACNB Bank service area. The Annual Percentage Rate (APR) is effective as of August 22, 2019, but may be modified or discontinued without notice. The minimum loan amount is $5,000. The interest rate for your loan is based upon your creditworthiness. With an APR of 4.99 %, the monthly loan payment is $32.97 for $5,000 borrowed for a term of 240 months. The loan amount is up to 90% loan-to-value. There is a new money requirement of $5,000.  Property insurance is required. Payment must be automatically deducted from an ACNB Bank checking or statement savings account. Fees (Flood Certification, Lien Search, Automated Valuation Model (AVM), Property Condition Report (PCR) and mortgage recording), will be waived 1.) if the applicant has or opens an ACNB Bank Checking or Statement Savings account with recurring direct deposits.  2.) For those applicants that do not have direct deposit, fees (Flood Certification, Lien Search, Automated Valuation Model (AVM), Property Condition Report (PCR) and mortgage recording), will be waived if the applicant has or opens an ACNB Bank checking account and completes, within the first 60 days, a.) 10 Point of Sale transactions and b.) Enrollment in online banking.  If the requirements are not met within the first 60 days, the loan fees will be added to the principal balance of the loan. 3.) If the applicants cannot meet either requirement for the fee waiver, the applicant will have an option to pay for the fees at closing.  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. Subject to appraisal requirements.  If the loan request is over $250,000, Title Insurance may be required. For properties located in the state of Maryland, recordation tax applies.  Appraisal, Title Insurance and Maryland Recordation Tax fees will not be waived and the applicant will be responsible for these costs. Other rates and terms are available.