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Home Equity Rates

 

All interest rates are effective as of June 24, 2016.

At the Bank’s discretion, interest rates and terms may change at any time without notice.

 

Home Equity Loans

 
Home Equity Loan Annual Percentage Rate (APR) with Automatic Payments Annual Percentage Rate (APR) without Automatic Payments Payment Amount* (based on $1,000 loan, Automatic Payments and the longest term available)
1-60 months 3.29% 3.54% $18.10
61-120 months 3.59% 3.84% $9.93
121-180 months 4.15% 4.40% $7.47
181-240 months 4.45% 4.70% $6.30

Apply          See disclosures 1           Calculator


Variable Rate Home Equity Line of Credit (HELC)

Annual Percentage Rate (APR)

1.79%

For 12 months, no fees*

Current variable rate would be 3.50% APR

Apply          See disclosures 2           Calculator


Fixed Rate Home Equity Line of Credit (HELC)

Annual Percentage Rate (APR)

3.29%

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

Apply          See disclosures 3           Calculator

 

Interest Only Home Equity Line of Credit (HELC)

Term Annual Percentage Rate (APR)
Five-Year Draw Period 3.74%

 

 See disclosures 4          Calculator

 

Interest Only Home Equity Line of Credit (HELC)

Term Annual Percentage Rate (APR)
Ten-Year Draw Period 3.99%

 

See disclosures 5           Calculator

 

(1) Offer valid June 1, 2016 through June 30, 2016, but 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 June 1, 2016, given the minimum loan amount of $5,000. In addition at least $5,000 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. APR based upon line of credit up to 80% loan-to-value. *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.  *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. If the line request is over $250,000, title insurance will be required and the fee 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.

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

(2) Offer valid June 1, 2016 through June 30, 2016, but 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 June 1, 2016, given the minimum advance of $5,000 in new borrowings from the line with no fees.* At the Bank’s discretion, interest rates may change at any time without notice. The APR is fixed for the first twelve months, and then converts to a variable rate. As of June 1, 2016, the APR based upon The Wall Street Journal Prime Rate was 3.50%. The maximum APR is 18.00%. APR based upon line of credit up to 80% 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 at the end of the term. 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. If the line request is over $250,000, title insurance will be required and the fee 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.

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

(3) Offer valid June 1, 2016 through June  30, 2016, but 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 June 1, 2016, given the minimum loan amount of $5,000. In addition at least $5,000 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. APR based upon line of credit up to 80% loan-to-value. The APR is fixed for the first five years, and then converts to a variable rate. The variable APR may increase or decrease monthly based on the billing date and as of June 1, 2016, the APR based upon The Wall Street Journal Prime Rate was 3.50%. The maximum APR is 18.00%.  Property insurance is required. Your minimum payments may not be sufficient to fully repay the principal that is outstanding on your line at the end of the term. 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. If the line request is over $250,000, title insurance will be required and the fee 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.

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

(4) Standard underwriting criteria apply. Property must be located in the ACNB Bank service area. The minimum credit line amount is $5,000. 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 June 1, 2016, 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 and all fees are charged. Your minimum payments may not be sufficient to fully repay the principal that is outstanding on your line at the end of the term. 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.

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

(5) Standard underwriting criteria apply. Property must be located in the ACNB Bank service area. The minimum credit line amount is $5,000. 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 June 1, 2016, the APR based upon The Wall Street Journal Prime Rate plus a margin would be 3.99%. 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 and all fees are charged. Your minimum payments may not be sufficient to fully repay the principal that is outstanding on your line at the end of the term. 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.

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

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