Rates

Make sure you're getting the best deal.

Whether you want to earn the most interest you can on your savings, or get a loan payment that fits just right with your budget, it’s smart to check and compare interest rates. 

 At the Bank’s discretion, interest rates and terms may change at any time without notice.  All interest rates are effective as of November 15, 2019.

NEW - Home Equity Loan Special 20-Year 4.99% APR. Click here to learn more.

Special CDS
Term Minimum to Open/Earn APY Interest Rate/Annual Percentage Yield (APY)
36-Month Boost CD*    
   Automatic Rate Increases    
   First Six Months $1,000/$1,000 1.19%/1.70%
   Next Six Months   1.39%/1.70%
   Next Six Months   1.59%/1.70%
   Next Six Months   1.79%/1.70%
   Next Six Months   1.99%/1.70%
   Last Six Months   2.19%/1.70%
15-Month Special CD** $1,000/$1,000 1.835%/1.85%
15-Month IRA Special CD** $1,000/$1,000 1.835%/1.85%
24-Month Special CD*** $1,000/$1,000 1.785%/1.80%
24-Month IRA Special CD*** $1,000/$1,000 1.785%/1.80%
60-Month Special CD*** $1,000/$1,000 1.690%/1.70%
60-Month IRA Special CD*** $1,000/$1,000 1.690%/1.70%
13-Month Special CD**** $1,000/$1,000 1.885%/1.90%
13-Month IRA Special CD**** $1,000/$1,000 1.885%/1.90%

 Calculators

Disclosures:

All interest rates and Annual Percentage Yields (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.

*36-Month Boost CD & IRA CD Special: Variable interest rate increases: First Six Months - 1.19%, Next Six Months - 1.39%, Next Six Months - 1.59%, Next Six Months - 1.79%, Next Six Months - 1.99% and the Last Six Months - 2.19%. There is a penalty for early withdrawals.  Fees may reduce earnings. The minimum deposit required is $1,000 and the maximum deposit is $500,000 per depositor for a regular CD and IRA CD. Maximum balance permitted is for persons, companies, government units and organizations within southcentral Pennsylvania and northern Maryland. 

**15-Month: 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 and 60-Month: 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. 

****13-Month: 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.  

 

Auto Loans

Type of Loan Interest Rate and Annual Percentage Rate (APR) with Automatic Payments* Payment Amount (based on $1,000 loan, Automatic Payments and longest term available)
New Auto    
1-36 months 4.49% $29.74
37-60 months 4.74% $18.75
61-72 months 5.49% $16.33
Used Auto    
Model Years 2016 - Present    
1-60 months 5.24% $18.98
Model Years 2014 - 2015    
1-48 months 5.74% $23.37
Model Years 2012 - 2013    
1-36 months 6.24% $30.53

Apply Now Calculators

 

Personal Loans
Type of Loan Interest Rate and Annual Percentage Rate (APR) with Automatic Payments* Payment Amount (based on $1,000 loan, Automatic Payments and longest term available)
Loan Secured by Liquid Collateral    
1-60 months 4.24% $18.53
Loan Secured by Other Collateral    
1-48 months 5.74% $23.37
Unsecured Loan $1,000 - $7,500    
1-84 months 9.24% $16.21
     
My Money Line - Personal Line of Credit    
Line Type Annual Percentage Rate  
My Money Line with Initial Draw of $2,500 or more 10.00%*  
My Money Line without Initial Draw 10.50%  

Apply Now Calculators

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 10.00% 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 October 31, 2019, the APR based upon Prime Rate plus 5.75% is 10.50%. 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.

 

Student Loan Rates

Student loans and financial aid can help you achieve the goals you have beyond college. We can help with Extra Credit, our student line of credit. You can use Extra Credit to pay for tuition, books, room and board, and other education-related expenses. 

Here’s how you’ll benefit with Extra Credit:

  • You’ll save money with interest rates that are competitive with Stafford loans. Extra Credit interest rates are connected to the Wall Street Journal Prime Rate and can go as low as 4.50% APR (Annual Percentage Rate).
  • You’ll also save by borrowing what you need when you need it. With Extra Credit, you borrow the money as you need it, and only pay interest on what you borrow.
  • Save time by applying just once. Many programs require you to reapply year after year. With Extra Credit, you simply apply one time for all that you need. The money is then available whenever you need it.
  • Access your funds 24/7, by writing a line of credit check, using telephone banking or online banking.
Extra Credit - Student Line of Credit

Line Type

Interest Rate and Annual Percentage Rate (APR)
Secured by Collateral* 4.50%
Unsecured** 7.50%

Apply Now Calculators

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 4.50% 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 4.50%. As of October 31, 2019, the APR based upon the Prime Rate minus .25% is 4.50%. The interest rate for your line is based upon your creditworthiness. 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. Property insurance is required and all fees are charged. Offer subject to change without notice. A processing fee of $125 applies.

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.

**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 October 31, 2019, the APR based upon the Prime Rate plus 2.75% is 7.50%. 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.

There are endless possibilities with a 20-Year 4.99% APR Home Equity Loan Special. Click here to learn more. 

Home Equity Loans
Loan amounts $3,500 - $50,000    
Term Annual Percentage Rate (APR) with Automatic Payments Payment Amount (based on $1,000 loan, Automatic Payments and longest term available)
1-60 months 5.49% $19.10
61-120 months 5.74% $10.97
121-180 months 5.99% $8.43
181-240 months 6.24% $7.30
20-Year Installment* 4.99%  

See disclosure 1

Other APRs available  
     
Loan amounts $50,001 - $99,999    
Term Annual Percentage Rate (APR) with Automatic Payments Payment Amount (based on $1,000 loan, Automatic Payments and the longest term available)
1-60 months 5.24% $18.98
61-120 months 5.49% $10.85
121-180 months 5.74% $8.30
181-240 months 5.99% $7.16
20-Year Installment* 4.99%  

See disclosure 2

Other APRs available  
     
Loan amounts $100,000+    
Term Annual Percentage Rate (APR) with Automatic Payments Payment Amount (based on $1,000 loan, Automatic Payments and the longest term available)
1-60 months 4.99% $18.87
61-120 months 5.24% $10.72
121-180 months 5.49% $8.17
181-240 months 5.74% $7.02
20-Year Installment* 4.99%  

See disclosure 3

Other APRs available  

Apply Now Calculators

 

Home Equity Lines of Credit (HELC)
Variable Rate Home Equity Line of Credit
Line Amount Annual Percentage Rate (APR) Variable APR
$5,000 - $99,999 2.24%* Prime + .74% = 5.49%
$100,000 + 2.24%* Prime + .24% = 4.99%
*The APR of 2.24% is fixed for the first 12 months, and then converts to a variable rate.    
See disclosures 4, 5    
     
5 Year Lock Home Equity Line of Credit    

Annual Percentage Rate (APR)

   
1.99%*    
*The APR introductory rate of 1.99% is fixed for the first 12 months, and then converts to the following: 4.99% APR for the next 48 months and then a variable rate. The current variable rate is 5.49% APR.    
See disclosure 6    
     
Interest Only Home Equity Line of Credit    
Draw Period Variable Annual Percentage Rate (APR)  
Five Years Prime + .25% = 5.00%  
Ten Years Prime + .50% = 5.25%  
See disclosures 7, 8    

Apply Now Calculators

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 $50,000. The interest rate for your loan is based upon your creditworthiness. The loan amount is up to 90% loan-to-value. 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.

*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.

(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 $50,001 and the maximum loan amount is $99,999. The interest rate for your loan is based upon your creditworthiness. The loan amount is up to 90% loan-to-value. 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.

*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.

(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. The minimum loan amount is $100,000. The interest rate for your loan is based upon your creditworthiness. The loan amount is up to 90% loan-to-value. 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.

*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.

(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 $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 October 31, 2019, the variable APR based upon The Wall Street Journal Prime Rate plus a margin of 0.74% was 5.49%. The maximum APR is 18.00%. The line amount is up to 90% loan-to-value. 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. 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. 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 October 31, 2019, the variable APR based upon The Wall Street Journal Prime Rate plus a margin of 0.24% was 4.99%. The maximum APR is 18.00%. The line amount is up to 90% loan-to-value. 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.

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.  At the Bank's discretion, interest rates may change at any time without notice. The APR is fixed for the first 60 months, and then coverts to a variable rate. As of October 31, 2019, the variable APR based upon The Wall Street Journal Prime Rate plus 0.74% was 5.49%. The maximum APR is 18.00%. APR based upon line of credit up to 90% loan-to-value. The interest rate for your line is based upon your creditworthiness. Property insurance is required and all fees are charged. 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. 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. 

(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 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 October 31, 2019, the APR based upon The Wall Street Journal Prime Rate plus a margin would be 5.00%. The maximum APR is 18.00%. APR based upon line of credit up to 80% loan-to-value. 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. 

(8) 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 October 31, 2019, the APR based upon The Wall Street Journal Prime Rate plus a margin would be 5.25%. The maximum APR is 18.00%. APR based upon line of credit up to 80% loan-to-value. 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. 

Mortgage Rates

At the Bank’s discretion, interest rates and terms may change at any time without notice.
 
The mortgage loans in the tables below are only a few of the fixed-rate and adjustable-rate mortgage loans available at ACNB Bank for buying, building, or refinancing a home. For example, the Bank offers mortgage programs that allow for financing up to 95% of the value of the property being purchased, as well as financing for low- to moderate-income borrowers.

And, if you are currently looking for a new house, ask a lender about a free pre-approval for your mortgage loan to make your search easier. 

Adjustable Rates Mortgage
Term Points Interest Rate/Annual Percentage Rate (APR) Payment Amount (based on $100,000 loan and the longest term available)
1/1 ARM      
15 Years 0 3.125%/4.633% $696.61
30 Years 0 3.250%/4.692% $435.21
3/1 ARM      
15 Years 0 3.625%/4.431% $721.04
30 Years 0 3.750%/4.585% $463.12
5/1 ARM      
15 Years 0 3.875%/4.356% $733.44
30 Years 0 4.000%/4.545% $477.42

Prequalify Calculators

Fixed-Rate Mortgage  

Term

Points Interest Rate and Annual Percentage Rate (APR) Payment Example (based on $100,000 loan and the longest term available)
15 Years 0 3.250%/3.365% $702.67
  0.750 3.000%/3.222% $690.58
20 Years 0 3.500%/3.591% $579.96
  0.750 3.375%/3.550% $573.56
30 Years 0 3.625%/3.691% $463.12
  0.625 3.500%/3.616% $449.04

Prequalify Calculators

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.

Checking

Account Type

Minimum to Open/ Balance to Earn APY Interest Rate and Annual Percentage Rate (APR)
Advantage Rewards Plus Checking $1000.00/$1000.00 0.05%/0.05%

Apply Now Calculators

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.ACNB (2262).

Savings & Retirement Rates

Savings Accounts

Account Type

Minimum to Open/Minimum to Earn APY Interest Rate and Annual Percentage Yield (APY)
Statement Savings $50/$100 0.05%/0.05%
Buckley's Savers $10/$1 0.05%/0.05%
MyBux $10/$1 0.05%/0.05%
Business Savings $50/$100 0.05%/0.05%
Companion Savings++ $1,000/$1,000 1.98%/2.00%

Apply Now Calculators

Club Accounts

Account Type

Minimum to Open/Minimum to Earn APY Interest Rate and Annual Percentage Yield (APY)
VIP Club with Automatic Payments $5/$5 0.15%/0.15%

Calculators

Money Markets

Account Type

Minimum to Open/Minimum to Earn APY Interest Rate and Annual Percentage Yield (APY)
Consumer Money Market Account    

$500.00 - $999.00

$1,000/$500 0.05%/0.05%

$999.01 and over

$1,000/$999.01 0.05%/0.05%
Consumer Classic Money Market Account    

$5,000.00 - $24,999.00

$5,000/$5,000 0.15%/0.15%

$24,999.01 -  $99,999.00

$5,000/$24,999.01 0.20%/0.20%

$99,999.01 - $499,999.00

$5,000/$99,999.01 0.25%/0.25%

$499,999.01 and over

$5,000/$499,999.01 0.30%/0.30%
Business Money Market Account     

$500.00 - $4,999.00

$500/$500 0.05%/0.05%

$4,999.01 -  $24,999.00

$500/$4,999.01 0.15%/0.15%

$24,999.01 - $99,999.00

$500/$24,999.01 0.20%/0.20%

$99,999.01 - $499,999.00

$500/$99,999.01 0.25%/0.25%

$499,999.01 and over

$500/$499,999.01 0.30%/0.30%

Apply Now Calculators

CDs

Account Type

Minimum to Open/Minimum to Earn APY Interest Rate and Annual Percentage Yield (APY)
Specials    
36-Month Boost CD*    
   Automatic Rate Increases    
   First Six Months $1,000/$1,000 1.19%/1.70%
   Next Six Months   1.39%/1.70%
   Next Six Months   1.59%/1.70%
   Next Six Months   1.79%/1.70%
   Next Six Months   1.99%/1.70%
   Last Six Months   2.19%/1.70%
13-Month Special CD** $1,000/$1,000 1.885%/1.90%
15-Month Special CD*** $1,000/$1,000 1.835%/1.85%
24-Month Special CD***** $1,000/$1,000 1.785%/1.80%
60-Month Special CD***** $1,000/$1,000 1.690%/1.70%
Standard    
8-31 Days CD $1,000/$1,000 0.05%/0.05%
32-90 Days CD $1,000/$1,000 0.100%/0.10%
6-Month CD $500/$500 0.150%/0.15%
12-Month CD $500/$500 0.200%/0.20%
18-Month CD $500/$500 0.250%/0.25%
24-Month CD $500/$500 0.350%/0.35%
30-Month CD $500/$500 0.350%/0.35%
36-Month CD $500/$500 0.450%/0.45%
48-Month CD $500/$500 0.650%/0.65%
60-Month CD $500/$500 0.850%/0.85%
Companion Savings++ $1,000/$1,000 1.98%/2.00%

Calculators

IRA

Account Type

Minimum to Open/Minimum to Earn APY Interest Rate and Annual Percentage Yield (APY)
Specials    
36-Month Boost IRA CD*    
  Automatic Rate Increases    
  First Six Months $1,000/$1,000 1.19%/1.70%
  Next Six Months   1.39%/1.70%
  Next Six Months   1.59%/1.70%
  Next Six Months   1.79%/1.70%
  Next Six Months   1.99%/1.70%
  Last Six Months   2.19%/1.70%
13-Month IRA Special CD** $1,000/$1,000 1.885%/1.90%
15-Month IRA Special CD*** $1,000/$1,000 1.835%/1.85%
24-Month IRA Special CD***** $1,000/$1,000 1.785%/1.80%
60-Month IRA Special CD***** $1,000/$1,000 1.690%/1.70%
Standard    
IRA Money Market $25/$25 0.100%/0.10%
+IRA Flex Account $500/$500 0.250%/0.25%
6-Month IRA CD $500/$500 0.150%/0.15%
12-Month IRA CD $500/$500 0.200%/0.20%
18-Month IRA CD $500/$500 0.250%/0.25%
24-Month IRA CD $500/$500 0.350%/0.35%
30-Month IRA CD $500/$500 0.350%/0.35%
36-Month IRA CD $500/$500 0.450%/0.45%
48-Month IRA CD $500/$500 0.650%/0.65%
60-Month IRA CD $500/$500 0.850%/0.85%

Calculators

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. ***15-Month: 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 and 60-Month: 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. **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.  *36-Month Boost Special CD: Variable interest rate increases: First Six Months - 1.19%, Next Six Months - 1.39%, Next Six Months - 1.59%, Next Six Months - 1.79%, Next Six Months - 1.99% and the Last Six Months - 2.19%.  There is a penalty for early withdrawals.  Fees may reduce earnings. The minimum deposit required is $1,000 and the maximum deposit is $500,000 per depositor for a regular CD and IRA CD. Maximum balance permitted is for persons, companies, government units and organizations within southcentral Pennsylvania and northern Maryland. Other rates and terms are available.

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. ***15-Month: 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 and 60-Month: 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. **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.  *36-Month Boost Special IRA CD: Variable interest rate increases: First Six Months - 1.19%, Next Six Months - 1.39%, Next Six Months - 1.59%, Next Six Months - 1.79%, Next Six Months - 1.99% and the Last Six Months - 2.19%. There is a penalty for early withdrawals.  Fees may reduce earnings. The minimum deposit required is $1,000 and the maximum deposit is $500,000 per depositor for a regular CD and IRA CD. Maximum balance permitted is for persons, companies, government units and organizations within southcentral Pennsylvania and northern Maryland. Other rates and terms are available.

+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.ACNB (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 April 1, 2019 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.