Savings & Retirement Rates

 

All interest rates are effective as of April 21, 2017.

At the Bank’s discretion, interest rates and terms may change at any time without notice.

  • Savings Accounts
    Savings Accounts Minimum to Open Interest Rate Annual Percentage Yield (APY) Minimum Balance to Earn APY Compound Method
    Statement Savings $50.00 0.05% 0.05% $100.00 Daily
    Buckley’s Savers $10.00 0.05% 0.05% $1.00 Daily
    MyBux $10.00 0.05% 0.05% $1.00 Daily
    Business Savings $50.00 0.05% 0.05% $100.00 Daily

    The interest rates and 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).

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  • Club Accounts
    Club Accounts Minimum to Open Interest Rate Annual Percentage Yield (APY) Minimum Balance to Earn APY Compound Method
    VIP Club with Automatic Payments $5.00 0.05% 0.05% $5.00 Simple Interest
    Christmas Club with Automatic Payments $5.00 0.05% 0.05% $5.00 Simple Interest

    The interest rates and 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).

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  • Money Market
    Money Markets Minimum to Open Interest Rate Annual Percentage Yield (APY) Minimum Balance to Earn APY Compound Method
    Money Market Account for Consumers and Businesses          
    $500.00 - $999.00 $1,000.00 0.05% 0.05% $500.00 Monthly
    $999.01 or more $1,000.00 0.05% 0.05% $999.01 Monthly
    Classic Money Market Account for Consumers and Businesses          
    $5,000.00 - $24,999.00 $5,000.00 0.10% 0.10% $5,000.00

    Monthly

    $24,999.01 -  $99,999.00 $5,000.00 0.10% 0.10% $24,999.01 Monthly
    $99,999.01 - $499,999.00 $5,000.00 0.10% 0.10% $99,999.01 Monthly
    $499,999.01 or more $5,000.00 0.15% 0.15% $499,999.01 Monthly

    The interest rates and 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).

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  • CDs
    CDs Minimum to Open Interest Rate Annual Percentage Yield (APY) Minimum Balance to Earn APY Compound Method
    Specials          
    15-Month CD* $1,000.00 1.145% 1.15% $1,000.00 Monthly
    60-Month CD** $1,000.00 1.59% 1.60% $1,000.00 Monthly
    13-Month CD*** $1,000.00 0.90% 0.90% $1,000.00 Monthly
    33-Month Step Up CD**** $1,000.00 1.245% 1.25% $1,000.00 Monthly
    Standard          
    8-31 Days CD $1,000.00 0.05% 0.05% $1,000.00 Simple Interest
    32-90 Days CD $1,000.00 0.10% 0.10% $1,000.00 Simple Interest
    6-Month CD $500.00 0.15% 0.15% $500.00 Monthly
    12-Month CD $500.00 0.20% 0.20% $500.00 Monthly
    18-Month CD $500.00 0.25% 0.25% $500.00 Monthly
    24-Month CD $500.00 0.35% 0.35% $500.00 Monthly
    30-Month CD $500.00 0.35% 0.35% $500.00 Monthly
    36-Month CD $500.00 0.45% 0.45% $500.00 Monthly
    48-Month CD $500.00 0.65% 0.65% $500.00 Monthly
    60-Month CD $500.00 0.85% 0.85% $500.00 Monthly

    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: Offer valid March 8, 2017 through April 30, 2017, but is subject to change without notice. The minimum deposit is $1,000 per depositor for regular CDs and $1,000.00 per depositor for IRA CDs. The maximum deposit is $250,000 per depositor for a regular CD and IRA CD. There is a penalty for early withdrawal. Must be new money. Other rates and terms are available. **60-Month: Offer valid February 15, 2017 through May 30, 2017, but is subject to change without notice. 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. Other rates and terms are available. ***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. ****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.

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  • IRAs
      Minimum to Open Interest Rate Annual Percentage Yield (APY) Minimum Balance to Earn APY Compound Method
    Specials          
    15-Month IRA CD* $1,000.00 1.145% 1.15% $1,000.00 Quarterly
    60-Month IRA CD** $1,000.00 1.59% 1.60% $1,000.00 Quarterly
    13-Month IRA CD*** $1,000.00 0.90% 0.90% $1,000.00 Quarterly
    33-Month Step Up IRA CD**** $1,000.00 1.245% 1.25% $1,000.00 Quarterly
    Standard          
    IRA Money Market $25.00 0.10% 0.10% $25.00 Quarterly
    ***IRA Flex Account $500.00 0.25% 0.25% $500.00 Quarterly
    6-Month IRA CD $500.00 0.15% 0.15% $500.00 Quarterly
    12-Month IRA CD $500.00 0.20% 0.20% $500.00 Quarterly
    18-Month IRA CD $500.00 0.25% 0.25% $500.00 Quarterly
    24-Month IRA CD $500.00 0.35% 0.35% $500.00 Quarterly
    30-Month IRA CD $500.00 0.35% 0.35% $500.00 Quarterly
    36-Month IRA CD $500.00 0.45% 0.45% $500.00 Quarterly
    48-Month IRA CD $500.00 0.65% 0.65% $500.00 Quarterly
    60-Month IRA CD $500.00 0.85% 0.85% $500.00 Quarterly

    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: Offer valid March 8, 2017 through April 30, 2017, but is subject to change without notice. The minimum deposit is $1,000 per depositor for regular CDs and $1,000.00 per depositor for IRA CDs. The maximum deposit is $250,000 per depositor for a regular CD and IRA CD. There is a penalty for early withdrawal. Must be new money. Other rates and terms are available. **60-Month: Offer valid February 15, 2017 through May 30, 2017, but is subject to change without notice. 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. Other rates and terms are available. ***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. ****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.

    ***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).

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