Looking for the best deal?

We have some special offers that might be just right for you.

5 Year Lock Home Equity Line of Credit

Our 5 Year Lock Home Equity Line of Credit is a smart, flexible and affordable way to use your home’s equity to pay for the important things in your life.1

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Extra Credit Special

Apply for our Extra Credit Student Line of Credit Special and you could save up to $125 on our easy one-time application. Apply today!2

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Save for the future with special CDs.

  Minimum to Open Interest Rate Annual Percentage Yield (APY) Balance to Earn APY Compound Method
Specials          
*13-Month CD $1,000.00 0.80% 0.80% $1,000.00 Monthly
*13-Month IRA CD $1,000.00 0.80% 0.80% $1,000.00 Quarterly
**33-Month Step Up CD $1,000.00 1.245% 1.25% $1,000.00 Monthly
**33-Month Step Up IRA CD $1,000.00 1.245% 1.25% $1,000.00 Quarterly

All interest rates and APYs are effective as of August 24, 2016. 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.

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

1Offer valid August 15, 2016 through November 4, 2016, but subject to change without notice. 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 converts to a variable rate. As of August 15, 2016, the variable APR based upon The Wall Street Journal Prime Rate plus .25% was 3.75%. 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. 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. 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 will be required and 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.

2Secured Extra Credit Line: No minimum draw is required. The Annual Percentage Rate (APR) is variable and may increase or decrease monthly on the billing date. The minimum Annual Percentage Rate (APR) is 4.00% and the maximum is 18.00%. The Annual Percentage Rate (APR) is based upon The Wall Street Journal Prime Rate minus .25%, but will never be lower than 4.00%. As of August 1, 2016, the Annual Percentage Rate (APR) based upon Prime Rate minus .25% is 3.25%. The interest rate for your line is based upon your creditworthiness. The minimum credit line amount 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. If they are not, you will be required to pay the entire outstanding balance in a single payment. Unsecured Extra Credit Line: No minimum draw is required. The Annual Percentage Rate (APR) is variable and may increase or decrease monthly on the billing date. The maximum Annual Percentage Rate (APR) is 18.00%. The Annual Percentage Rate (APR) is based upon The Wall Street Journal Prime Rate plus 2.75%. As of August 1, 2016, the Annual Percentage Rate (APR) based upon Prime Rate plus 2.75% is 6.25%. 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. Your minimum payments may not be sufficient to fully repay the principal that is outstanding on your line. If they are not, you will be required to pay the entire outstanding balance in a single payment. *A processing fee of $125 applies, however this fee will be waived for loan applications submitted before August 31, 2016. Offer subject to change without notice.


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