Winter Loan Special

Splurge over the holidays?

If you spent more than you planned, we’re here to help you pay down your holiday debt with our Winter loan featuring a 7.24% fixed rate. Plus, we’ll waive the application fee.

Winter Loan Special

•    Unsecured Loan
•    Rate: 7.24%
•    Term: 60 month max term*
•    Max loan amount of $7,500*
•    $35.00 application fee is waived
•    Auto debit is preferred – if no auto debit, rate will be increased to 7.49%

Remember, it’s never too early to start saving for next year with our VIP Club Account. Put aside a few dollars each month throughout the year to build a fund for holiday expenses.

Christmas Club Account


  • Formerly known as the Christmas Club
  • Start saving for the holidays or vacation with just $5.
  • Pay for those extras without breaking your budget.


couple holding a key


  • Enjoy flexible access to your money while you’re earning interest.
  • Low minimum deposit of $50 makes it easy to get started.
  • Smart way to start any savings plan.


Ways to Apply

Apply Online

Apply easily using our online loan application!

Apply Online

Apply By Phone

We have dedicated staff that can assist you with applying right over the phone!

Call to get started now!


Visit an Office

Our friendly knowledgeable office staff can take your application at an office convenient to you.

Use our office locator to find an office near you.

Find an Office



We have a variety of calculators available for you.



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Member FDIC.  Offer valid from December 2, 2019 through January 31, 2020, 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 December 2, 2019.  The total loan amount must be new borrowings from the Bank. The promotional APR is 7.24% and the monthly loan payment is $19.91 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 or the rate will be increased to 7.49%.  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.