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.

Looking for the best deal?

We have some special offers that might be just right for you.

Vacation Loan Special

Apply for our Vacation Loan Special and you could borrow up to $5,000 for the trip you've been dreaming of!1

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Spring Home Equity Line of Credit

Whether you're looking to fix up your home, take a vacation, or consolidate debt, this is the loan to make it happen! Lock in your low fixed rate today!2

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Rates

 

Save for the future with special CDs.

CDs Minimum to Open Interest Rate Annual Percentage Yield (APY) Balance to Earn APY Compound Method
Specials          
*13-Month CD $1,000.00 0.80% 0.80% $1,000.00 Monthly
*13-Month IRA CD $1,000.00 0.80% 0.80% $1,000.00 Quarterly
**33-Month Step Up CD $1,000.00 1.245% 1.25% $1,000.00 Monthly
**33-Month Step Up IRA CD $1,000.00 1.245% 1.25% $1,000.00 Quarterly

The Annual Percentage Rates (APRs) are accurate as of the effective date above. The APYs assume that all interest will remain on deposit until maturity. There is a penalty for early withdrawal. Fees may reduce earnings. CD specials may be modified or discontinued without notice. *13-Month: The maximum deposit is $250,000 per depositor for regular CDs and $500,000 per depositor for IRA CDs. **33-Month Step Up: The depositor may request one rate adjustment during the initial term of this automatically renewable account. The new rate is equal to the rate for the 36-Month CD in place at the time. The maximum deposit is $250,000 per depositor for regular CDs and $500,000 per depositor for IRA CDs.

1Offer valid from June 1, 2016 through July 18, 2016, but may be modified or discontinued without notice. The interest rate for your loan is based upon your creditworthiness. The Annual Percentage Rate (APR) is accurate as of 6/1/16. At least $1,000 of the loan amount must be new borrowings at ACNB Bank. With an APR of 6.99%, the monthly loan payment is $19.80 for $1,000 borrowed for a term of 60 months. Plus, the payment must be automatically deducted from an ACNB Bank checking or statement savings account. The maximum loan amount is $5,000. No collateral is required. Refinance of existing ACNB Bank loans are prohibited. The $35 application fee is waived. Other rates and terms are available.

2Offer 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. 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.


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