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Tips

Your guide for better financial decisions.

Home Equity Loan vs. Line of Credit

Home Equity Loan vs. HELOC: Which Is Right for You?

If you've built equity in your home, you may be able to use it to help pay for a major expense, make home improvements, consolidate debt or reach another financial goal.Two common options are a home equity loan and a home equity line of credit …

September 15, 2026

What’s Your Credit, and Why Does It Matter?

Understand what your credit is and how to protect it.

We hear a lot about credit history, credit reports, credit scores, and credit monitoring. But, what does it all mean and why is it important? Your credit matters because it affects your ability to get a loan, housing, insurance, and more. It’s …

By Lisa Miller October 28, 2023

Adams County Real Estate Market Update

Adams County Real Estate Market

ACNB Bank’s mortgage lending team reached out to a few realtors in Adams County recently to help assess the current status of the real estate market in our community.First, we asked if we are in a “Buyer’s Market” or a “Seller’s Market”.  All …

By Arthur L. Rathell, III June 26, 2022

Preparing for the financial impact of natural disaster

Preparing for the Financial Impact of Natural Disasters

As witnessed recently in a number of areas in the United States, natural disasters such as a severe storm, fire or flood can happen at any time. These tragedies cause damage to homes and property, and create financial challenges. We often prepare for …

By Sheila J. Fleischer February 3, 2022

Mobile Phone with Credit Score on Screen

Understanding Your Credit

We hear a lot about credit---credit history, credit reports, credit scores, credit monitoring. Your credit matters because it affects your ability to get a loan, housing, insurance, and more. It’s important to understand what your credit is and how …

By Angela Boswell October 27, 2021

Consolidate Debt

Managing Debt

By the time young people today reach midlife, they are more likely to be buried under student loans and saddled with credit card debit---and, perhaps, a large mortgage---than they are to have an established emergency fund and plans for retirement. In …

By Barbara Morrison-Ritenour October 24, 2020