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 December 13, 2018.

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 2.165%/2.70%
Next Six Months   2.365%/2.70%
Next Six Months   2.565%/2.70%
Next Six Months   2.765%/2.70%
Next Six Months   2.965%/2.70%
Last Six Months   3.165%/2.70%
15-Month CD** $1,000/$1,000 2.47%/2.50%
15-Month IRA CD** $1,000/$1,000 2.475%/2.50%
24-Month CD*** $1,000/$1,000 2.57%/2.60%
24-Month IRA CD*** $1,000/$1,000 2.575%/2.60%
60-Month CD*** $1,000/$1,000 2.86%/2.90%
60-Month IRA CD*** $1,000/$1,000 2.865%/2.90%
13-Month CD**** $1,000/$1,000 1.985%/2.00%
13-Month IRA CD**** $1,000/$1,000 1.985%/2.00%
33-Month IRA CD***** $1,000/$1,000 1.245%/1.25%
33-Month Step UP IRA CD*****  $1,000/$1,000 1.245%/1.25%

 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 - 2.165%, Next Six Months - 2.365%, Next Six Months - 2.565%, Next Six Months - 2.765%, Next Six Months - 2.965% and the Last Six Months - 3.165%.  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.  

*****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 $1,000,000 per depositor for regular CDs and $1,000,000 per depositor for IRA CDs. 

Unsecured Holiday Loan Special*

Make the season brighter with a holiday loan. Whether you need some extra cash for gifts or travel this holiday season, we've got you covered!

  • Available from November 1, 2018 through December 31, 2018
  • Promotional rate of 7.99% APR
  • Borrow up to $7,500 with a maximum term of 60 months
  • $35 application fee will be waived
  • Refinancing of existing ACNB Bank loans is not permitted
  • Payments must be automatically debited from an ACNB Bank Checking or Statement Savings account
  • No collateral is required
  • Other rates and terms are available
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 3.49% $29.30
37-60 months 3.74% $18.30
61-72 months 4.49% $15.87
Used Auto    
Model Years 2016 - Present    
1-60 months 4.24% $18.53
Model Years 2014 - 2015    
1-48 months 4.74% $22.91
Model Years 2011 - 2013    
1-36 months 5.24% $30.08

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
Unsecured Holiday Loan Special* 7.99% $20.27
     
My Money Line - Personal Line of Credit    
Line Type Annual Percentage Rate  
My Money Line with Initial Draw of $2,500 or more 10.50%*  
My Money Line without Initial Draw 11.00%  

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.

*Offer valid from November 1, 2018 through December 31, 2018, but can 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 November 1, 2018.  The total loan amount must be new borrowings from the Bank. The promotional APR is 7.99% and the monthly loan payment is $20.27 for $1,000 borrowed for a term of 60 months.  The loan payment must be automatically deducted from an ACNB Bank checking or statement savings account.  Refinancing of existing ACNB Bank loans is not permitted.  The term of the loan may range from 1-60 months.  The maximum loan amount is $7,500.  Other rates and terms are available.  No collateral is required.  The $35 application fee will be waived.

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 10.50% APR. *The introductory APR of 10.50% 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 18, 2018, the APR based upon Prime Rate plus 5.75% is 11.00%. 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 5.00% 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* 5.00%
Unsecured** 8.00%

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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 5.00% 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 5.00%. As of October 18, 2018, the APR based upon the Prime Rate minus .25% is 5.00%. 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.

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 18, 2018, the APR based upon the Prime Rate plus 2.75% is 8.00%. 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.

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 4.99% $18.87
61-120 months 4.74% $10.48
121-180 months 4.99% $7.90
181-240 months 5.99% $7.16

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 4.74% $18.75
61-120 months 4.74% $10.48
121-180 months 4.99% $7.90
181-240 months 5.99% $7.16

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 4.49% $18.64
61-120 months 4.74% $10.48
121-180 months 4.99% $7.90
181-240 months 5.99% $7.16

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 1.99%* Prime + .74% = 5.99%
$100,000 + 1.99%* Prime + .24% = 5.49%
*The APR of 1.99% 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)

   
1.85%*    
*The APR introductory rate of 1.85% is fixed for the first 12 months, and then converts to the following: 4.85% APR for the next 48 months and then a variable rate. The current variable rate is 5.99% APR.    
See disclosure 6    
     
Interest Only Home Equity Line of Credit    
Draw Period Variable Annual Percentage Rate (APR)  
Five Years Prime + .25% = 5.50%  
Ten Years Prime + .50% = 5.75%  
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.

(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.

(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 waived.

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 waived. Should the loan request start out in this category, but the valuation results in a loan under $100,000, the customer will pay all fees. If the loan 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. 

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 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 18, 2018, the variable APR based upon The Wall Street Journal Prime Rate plus a margin of 0.74% was 5.99%. 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 18, 2018, the variable APR based upon The Wall Street Journal Prime Rate plus a margin of 0.24% was 5.49%. 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 18, 2018, the variable APR based upon The Wall Street Journal Prime Rate plus 0.74% was 5.99%. 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 18, 2018, the APR based upon The Wall Street Journal Prime Rate plus a margin would be 5.50%. 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 18, 2018, the APR based upon The Wall Street Journal Prime Rate plus a margin would be 5.75%. 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 3.375%/5.222% $708.76
30 Years 0 3.50%/5.295% $449.04
3/1 ARM      
15 Years 0 3.875%/4.964% $733.44
30 Years 0 4.00%/5.149% $477.42
5/1 ARM      
15 Years 0 4.125%/4.759% $745.97
30 Years 0 4.25%/5.027% $491.94

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 4.125%/4.248% $745.97
  0.75 3.875%/4.108% $733.44
30 Years 0 4.625%/4.698% $514.14
  0.875 4.375%/4.522% $499.29

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%

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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%

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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%
Christmas 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)
Money Market Account for Consumers and Businesses    
$500.00 - $999.00 $1,000/$500 0.05%/0.05%
$999.01 or more $1,000/$999.01 0.05%/0.05%
Classic Money Market Account for Consumers and Businesses    
$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 or more $5,000/$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 2.165%/2.70%
Next Six Months   2.365%/2.70%
Next Six Months   2.565%/2.70%
Next Six Months   2.765%/2.70%
Next Six Months   2.965%/2.70%
Last Six Months   3.165%/2.70%
13-Month CD** $1,000/$1,000 1.985%/2.00%
15-Month CD*** $1,000/$1,000 2.47%/2.50%
33-Month Step Up CD**** $1,000/$1,000 1.245%/1.25%
24-Month CD***** $1,000/$1,000 2.57%/2.60%
60-Month CD***** $1,000/$1,000 2.86%/2.90%
Standard    
8-31 Days CD $1,000/$1,000 0.05%/0.05%
32-90 Days CD $1,000/$1,000 0.10%/0.10%
6-Month CD $500/$500 0.15%/0.15%
12-Month CD $500/$500 0.20%/0.20%
18-Month CD $500/$500 0.25%/0.25%
24-Month CD $500/$500 0.35%/0.35%
30-Month CD $500/$500 0.35%/0.35%
36-Month CD $500/$500 0.45%/0.45%
48-Month CD $500/$500 0.65%/0.65%
60-Month CD $500/$500 0.85%/0.85%

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 2.165%/2.70%
Next Six Months   2.365%/2.70%
Next Six Months   2.565%/2.70%
Next Six Months   2.765%/2.70%
Next Six Months   2.965%/2.70%
Last Six Months   3.165%/2.70%
13-Month IRA CD** $1,000/$1,000 1.985%/2.00%
15-Month IRA CD*** $1,000/$1,000 2.475%/2.50%
33-Month Step Up IRA CD**** $1,000/$1,000 1.245%/1.25%
24-Month IRA CD***** $1,000/$1,000 2.575%/2.60%
60-Month IRA CD***** $1,000/$1,000 2.865%/2.90%
Standard    
IRA Money Market $25/$25 0.1%/0.1%
+IRA Flex Account $500/$500 0.25%/0.25%
6-Month IRA CD $500/$500 0.15%/0.15%
12-Month IRA CD $500/$500 0.2%/0.2%
18-Month IRA CD $500/$500 0.25%/0.25%
24-Month IRA CD $500/$500 0.35%/0.35%
30-Month IRA CD $500/$500 0.35%/0.35%
36-Month IRA CD $500/$500 0.45%/0.45%
48-Month IRA CD $500/$500 0.65%/0.65%
60-Month IRA CD $500/$500 0.85%/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. ****33-Month Step Up CD: 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 $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 - 2.165%, Next Six Months - 2.365%, Next Six Months - 2.565%, Next Six Months - 2.765%, Next Six Months - 2.965% and the Last Six Months - 3.165%.  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. ****33-Month Step Up IRA CD: 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 $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 - 2.165%, Next Six Months - 2.365%, Next Six Months - 2.565%, Next Six Months - 2.765%, Next Six Months - 2.965% and the Last Six Months - 3.165%.  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).