Rates

Disclosures

Auto and Personal Loans

The Annual Percentage Rates (APRs) are accurate as of the effective date above. APRs for new and used auto loans based upon 90% loan-to-value. For other loans, down payment requirements vary. The interest rate for your loan is based upon your creditworthiness. A $35 processing fee applies to unsecured loans. The payment may be automatically deducted from an ACNB Bank checking or statement savings account.

My Money Line

No down payment or collateral is required for this type of loan. Initial draw of $2,500 or more must be taken at the time of closing in order to qualify for the 10.00% APR. *The introductory APR of 9.75% is fixed for the first six months of the line. Thereafter, the variable APR may increase or decrease monthly on the billing date based upon the The Wall Street Journal Prime Rate plus 5.75%.  As of March 23, 2023, the APR based upon Prime Rate plus 5.75% is 13.75%. The maximum APR is 18.00%. The interest rate for your line is based upon your creditworthiness. The minimum credit line amount is $2,500. This introductory offer may be modified or discontinued without notice. A processing fee of $35 applies.

Disclosures:

*Secured Extra Credit Line: No minimum draw is required. The APR is variable and may increase or decrease monthly on the billing date. The minimum APR is 4.00% and the maximum is 18.00%. The APR is based upon The Wall Street Journal Prime Rate minus .25%, but will never be lower than 4.00%. As of March 23, 2023, the APR based upon the Prime Rate minus .25% is 8.75%. The interest rate for your line is based upon your creditworthiness. APR based upon line of credit up to 80% loan-to-value. Loan-to-value of 90% with a 0.15% rate increase. The minimum credit line is $2,500. The credit line amount depends upon the appraised value and/or equity in your collateral, which may be your home⁺ or liquid collateral you own, such as CDs, stocks, bonds, savings or life insurance. During the draw period, quarterly interest payments are required. Additional payments may be made at any time. 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. Offer subject to change without notice. 

+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. Property insurance is required and all fees are charged. If the line request is over $250,000, title Insurance may be required and if so, 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.

**Unsecured Extra Credit Line: No minimum draw is required. The APR is variable and may increase or decrease monthly on the billing date. The maximum APR is 18.00%. The APR is based upon The Wall Street Journal Prime Rate plus 2.75%. As of March 23, 2023, the APR based upon the Prime Rate plus 2.75% is 10.75%. The interest rate for your line is based upon your creditworthiness. The minimum credit line amount is $2,500. During the draw period, quarterly interest payments are required. Additional payments may be made at any time. 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. Other rates and terms are available. Offer subject to change without notice. A processing fee of $125 applies.

Disclosures:

(1) Standard underwriting criteria apply. Property must be located in the ACNB Bank service area. The Annual Percentage Rate (APR) is accurate, as of the effective date above, but may be modified or discontinued without notice. The minimum loan amount is $3,500 and the maximum loan amount is $99,999. The interest rate for your loan is based upon your creditworthiness. APR based upon up to 80% loan-to-value. Loan-to-value of 90% with a 0.15% rate increase. Property insurance is required and all fees are charged. 

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. 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) Standard underwriting criteria apply. Property must be located in the ACNB Bank service area. The Annual Percentage Rate (APR) is accurate, as of the effective date above, but may be modified or discontinued without notice. The minimum loan amount is $100,000. The interest rate for your loan is based upon your creditworthiness. APR based upon up to 80% loan-to-value. Loan-to-value of 90% with a 0.15% rate increase. Property insurance is required and all fees are charged.

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. 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) Standard underwriting criteria apply. Property must be located in the ACNB Bank service area. The Annual Percentage Rate (APR) is accurate, as of the effective date above, but may be modified or discontinued without notice. At the Bank’s discretion, interest rates may change at any time without notice. The minimum credit line amount is $5,000 and the maximum credit line amount is $99,999. The payment can be automatically deducted from an ACNB Bank checking or statement savings account. Billing statements are also available. The APR is fixed for the first 12 months, and then converts to a variable rate. As of March 23, 2023, the variable APR based upon The Wall Street Journal Prime Rate plus a margin of 0.24% was 8.24%. The maximum APR is 18.00%. APR based upon line of credit up to 80% loan-to-value. Loan-to-value of 90% with a 0.15% rate increase. 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. Property insurance is required and all fees are charged.

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 may be required and if so, 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.

(4) Standard underwriting criteria apply. Property must be located in the ACNB Bank service area. The Annual Percentage Rate (APR) is accurate, as of the effective date above, but may be modified or discontinued without notice. At the Bank’s discretion, interest rates may change at any time without notice. The minimum credit line amount is $100,000. The payment can be automatically deducted from an ACNB Bank checking or statement savings account. Billing statements are also available. The APR is fixed for the first 12 months, and then converts to a variable rate. As of March 23, 2023, the variable APR based upon The Wall Street Journal Prime Rate minus a margin of 0.26% was 7.74%. The maximum APR is 18.00%. APR based upon line of credit up to 80% loan-to-value. Loan-to-value of 90% with a 0.15% rate increase. 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. Property insurance is required and all fees are charged.

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 may be required and if so, 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.

(5) Standard underwriting criteria apply. Property must be located in the ACNB Bank service area. At the Bank’s discretion, interest rates may change at any time without notice. The APR (Annual Percentage Rate) is fixed for the first 60 months, and then converts to a variable rate. As of March 23, 2023, the variable APR is based upon The Wall Street Journal Prime Rate plus .74% was 8.74%. The maximum APR is 18.00%. APR based upon line of credit up to 80% loan-to-value/90% loan-to-value with 0.15% rate bump. The interest rate for your line is based upon your creditworthiness. 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. Property insurance is required and all fees are charged. Other rates and terms are available.

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 may be required and if so, 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.

(6) 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 0.25%. As of March 23, 2023, the APR based upon The Wall Street Journal Prime Rate plus a margin 0.25% was 8.25%.  The maximum APR is 18.00%. APR based upon line of credit up to 80% loan-to-value. Loan-to-value of 90% with a 0.15% rate increase. Automatic deduction from an ACNB Bank checking or statement savings account is preferred. 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. Property insurance is required and all fees are charged.

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 may be required and if so, 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. 

(7) 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 0.50%. As of March 23, 2023, the APR based upon The Wall Street Journal Prime Rate plus a margin of 0.50% was 8.50%. The maximum APR is 18.00%. APR based upon line of credit up to 80% loan-to-value. Loan-to-value of 90% with a 0.15% rate increase. Automatic deduction from an ACNB Bank checking or statement savings account is preferred. 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. Property insurance is required and all fees are charged.

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 may be required and if so, 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. 

Disclosures:

For both adjustable-rate and fixed-rate mortgages:

The Annual Percentage Rates (APRs) are accurate as of the effective date above. At the Bank’s discretion, interest rates and terms may change at any time without notice. Down payment requirements vary by the type of loan. Loans may be subject to other fees such as those for flood certification, filing, lien search and/or appraisal. Property insurance is required. Payment does not include taxes and insurance; actual payment obligation will be greater. Adjustable-rate mortgages have a variable APR which may increase or decrease.

Disclosures:

At the Bank's discretion, the variable interest rates and APYs may change at any time without notice. Fees may reduce earnings on these accounts. For more information, please call 717.334.3161 or toll free 1.888.334.2262.

Disclosures:

The interest rates and Annual Percentage Yields (APYs) are accurate as of the effective date above. At the Bank's discretion, the variable interest rates and APYs may change at any time without notice. Fees may reduce earnings on these accounts. For more information, please call 717.334.3161 or toll free 1.888.334.ACNB (2262).

CDs: All interest rates and APYs 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.

**8-Month CD: The maximum deposit is $1,000,000 per depositor for regular CDs and $1,000,000 per depositor for IRA CDs. There is a penalty for early withdrawal.  Maximum balance of $1,000,000.00 permitted for persons, companies, government units, and organizations within Southcentral Pennsylvania.

***13-Month CD: The maximum deposit is $1,000,000 per depositor. Maximum balance permitted is for persons, companies, government units and organizations within Southcentral Pennsylvania and Northern Maryland. 

***15-Month CD: The minimum deposit is $1,000.00 per depositor for regular CDs and $1,000.00 per depositor for IRA CDs. The maximum deposit i*s $250,000.00 per depositor for a regular CD and IRA CD. There is a penalty for early withdrawal. Maximum balance of $250,000.00 per depositor.

*****24-Month CD: The minimum deposit is $1,000.00 per depositor for regular CDs and $1,000.00 per depositor for IRA CDs. The maximum deposit is $250,000.00 per depositor for a regular CD and IRA CD. There is a penalty for early withdrawal. Maximum balance of $250,000.00 per depositor.

******60-Month Special CD APY (Annual Percentage Yield): The minimum deposit is $1,000.00 per depositor for regular CDs and $1,000.00 per depositor for IRA CDs. The maximum deposit is $250,000.00 per depositor for a regular CD and IRA CD. There is a penalty for early withdrawal. Maximum balance of $250,000.00 per depositor.

IRAs: All interest rates and APYs are accurate as of the effective date above. On IRA CDs, 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.

**8-Month IRA CD: The maximum deposit is $1,000,000 per depositor. Maximum balance permitted is for persons, companies, government units and organizations within Southcentral Pennsylvania and Northern Maryland. 

***13-Month IRA CD: The maximum deposit is $1,000,000 per depositor. Maximum balance permitted is for persons, companies, government units and organizations within Southcentral Pennsylvania and Northern Maryland. 

****15-Month IRA CD: The minimum deposit is $1,000.00 per depositor for regular CDs and $1,000.00 per depositor for IRA CDs. The maximum deposit is $250,000.00 per depositor for a regular CD and IRA CD. There is a penalty for early withdrawal.

*****24-Month IRA CD: The minimum deposit is $1,000.00 per depositor for regular CDs and $1,000.00 per depositor for IRA CDs. The maximum deposit is $250,000.00 per depositor for a regular CD and IRA CD. There is a penalty for early withdrawal. Maximum balance of $250,000.00 per depositor.

******60-Month Special IRA APY (Annual Percentage Yield): The minimum deposit is $1,000.00 per depositor for regular CDs and $1,000.00 per depositor for IRA CDs. The maximum deposit is $250,000.00 per depositor for a regular CD and IRA CD. There is a penalty for early withdrawal. Maximum balance of $250,000.00 per depositor.

+The IRA Flex Account will mature 18 months after it is opened. Unlimited deposits may be made into the account. The minimum deposit amount is $25.00.

The IRA Money Market and IRA Flex Account are variable rate accounts. At the Bank’s discretion, interest rates and APYs may change at any time without notice. Fees may reduce earnings on these accounts. For more information, please call 717.334.3161 or toll free 1.888.334.2262.

++Companion Savings: New money is required for the savings account.  The companion savings account is a limited transaction account opened the same day as a new or reinvesting CD(s) with a balance up to the amount of the CD(s). This variable interest rate and annual percentage yield (APY) is effective as of October 6, 2021 and is subject to change without notice. The APY assumes that all interest will remain on deposit until maturity.  Open with $1,000, and keep a $1,000 daily balance in the account to avoid the $3 monthly fee. You need to keep at least a $1,000 daily balance in the account to earn interest. Fees may reduce earnings. Interest will be calculated monthly using the daily balance method. Unlimited withdrawals in person.  A CD of a term equal to or greater than 12 months must be opened in conjunction with the establishment of a companion account. The total value of the CD opened in conjunction with the companion account can never be less than the dollar value of funds placed into the companion account.