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Rates

APY = Annual Percentage Yield
Fees may reduce earnings
Rates effective as of November 27, 2020
  • Personal Checking and Savings

    Harleysville Cash Rewards Checking*

    Balance Minimum Required Opening Deposit Rate APY
    Balances up to $25,000 $25 1.0053% 1.01%
    Balances over $25,000 $25 0.0699% 1.01% to 0.31%
    All balances if qualifications not met $25 0.0499% 0.05%

    *To earn your rewards, simply do the following activities and transactions in your Harleysville Cash Rewards account each monthly qualification cycle:

    • Have at least 12 debit card purchases post and settle
    • Be enrolled and receive e-statement notice
    • Be enrolled and log into online banking prior to the last business each in each Monthly Qualification Cycle

    Harleysville Saver Rewards*

    Balance Minimum Required Opening Deposit Rate APY
    Balances up to $100,000 $25 0.0999% 0.10%
    Balances over $100,000 $25 0.0699% 0.10% to 0.08%
    All balances if qualifications not met $25 0.0499% 0.05%

    *To earn your rewards, simply do the following activities and transactions in your Harleysville Saver Rewards account each monthly qualification cycle:

    • Have at least 12 debit card purchases post and settle
    • Be enrolled and receive e-statement notice
    • Be enrolled and log into online banking prior to the last business day in each Monthly Qualification Cycle

    Personal Savings

    Account Minimum Opening Deposit Minimum Balance to Earn APY Rate APY
    Trusty's Club3 $1 None 0.2996% 0.30%
    Statement Savings $1 $100 to $2,499.99 0.0499% 0.05%
    $1 $2,500 and higher 0.0599% 0.06%
    Money Market Plus1,2,3 $1 $10,000 to $24,999.99 0.0599% 0.06%
    $1 $25,000 and higher 0.0699% 0.07%

    The rate may change after the account is opened.
    1 Fees could reduce earnings on the account.
    2 No service charge if minimum balance is maintained.
    3 Not applicable for IRAs.

  • CDs

    CDs

    Duration Minimum Opening Deposit Minimum Balance to Earn APY Rate APY
    3 Month CD $500 $500 0.0399% 0.04%
    6 Month CD $500 $500 0.0399% 0.04%
    7 Month No Penalty CD 2, 3 $500 $500 0.0399% 0.04%
    9 Month CD $500 $500 0.0699% 0.07%
    12 Month CD $500 $500 0.0699% 0.07%
    15 Month CD $500 $500 0.0699% 0.07%
    17 Month CD $500 $500 0.0899% 0.09%
    18 Month CD $500 $500 0.0899% 0.09%
    20 Month Rising Rate CD 1 $500 $500 0.1499% 0.15%
    24 Month CD $500 $500 0.3494% 0.35%
    36 Month CD $500 $500 0.4491% 0.45%
    48 Month Rising Rate CD 1 $500 $500

    0.5486%

    0.55%
    60 Month CD $500 $500 0.7474% 0.75%

    A penalty may be imposed for early withdrawal.
    1 The rate may change after the account is opened.
    2 No penalties for early withdrawal.
    3 Not applicable for IRAs.

  • IRAs

    IRAs

    Account Type Minimum Opening Balance Rate APY
    IRA Statement Savings $1.00 0.0599% 0.06%
    3 Month IRA CD $500.00 0.0399% 0.04%
    6 Month IRA CD $500.00 0.0399% 0.04%
    7 Month IRA CD $500.00 0.0399% 0.04%
    9 Month IRA CD $500.00 0.0699% 0.07%
    12 Month IRA CD $500.00 0.0699% 0.07%
    15 Month IRA CD $500.00 0.0699% 0.07%
    17 Month IRA CD $500.00 0.0899% 0.09%
    18 Month IRA CD $500.00 0.0899% 0.09%
    20 Month Rising Rate IRA CD 1 $500.00 0.1499% 0.15%
    24 Month IRA CD $500.00 0.3494% 0.35%
    36 Month IRA CD $500.00 0.4491% 0.45%
    48 Month Rising Rate IRA CD 1 $500.00 0.5486% 0.55%
    60 Month IRA CD $500.00 0.7474% 0.75%

    A penalty may be imposed for early withdrawal.
    1 The rate may change after the account is opened.

  • Home Equity Loans & Line of Credit

    Home Equity Loans

    Term APR*
    36 Months 3.000%
    60 Months 3.250%
    84 Months 3.500%
    120 Months 4.000%
    180 Months 4.500%
    240 Months 6.000%
    APR = Annual Percentage Rate
    APR with direct deposit/automatic payment from a Harleysville Bank checking account.
    Above terms are available to Homeowners with Maximum LTV of 80%. Other terms available with less equity and without automatic payment - Please inquire.

    Home Equity Line of Credit

    Annual Percentage Rate is 3.990% APR. APR is variable monthly based on the highest New York Prime Rate published in the Wall Street Journal on the last business day of the prior billing cycle. As of 03/17/2020, this index was 3.250%. Minimum APR is 3.990% APR. Maximum APR is 18% APR. The interest only line has a balloon payment due at the end of 20 years. Minimum line amount is $5,000. Rates apply to 80% loan-to-value or less for single-family, primary residence. Closing costs of $200 to $650 may apply. Your actual rate will be based on a review of your creditworthiness. Other plans available. Rates subject to change and offers may be discontinued at any time.

    INTEREST ONLY OR EVERGREEN 3.990% APR* Minimum Rate

    Annual Percentage Rate is 3.990% APR. APR is variable monthly based on the highest New York Prime Rate published in the Wall Street Journal on the last business day of the prior billing cycle. As of 03/17/2020, this index was 3.250%. Minimum APR is 3.990% APR. Maximum APR is 18% APR. The interest only line has a balloon payment due at the end of 20 years. Minimum line amount is $5,000. Rates apply to 80% loan-to-value or less for single-family, primary residence. Closing costs of $200 to $650 may apply. Your actual rate will be based on a review of your creditworthiness. Other plans available. Rates subject to change and offers may be discontinued at any time.

    APR = Annual Percentage Rate
  • Mortgage Loans

    Mortgage Loans

    Duration Rate Points APR* Rate Lock
    15 Yr Fixed Conforming 3.000% 0 3.000% 120 Days
    30 Yr Fixed Conforming 3.000% 0 3.000% 60 Days
    APR = Annual Percentage Rate
    Maximum Loan - $510,400
    Owner Occupied
    Purchase - Maximum LTV 95%
    Refinance - Maximum LTV 90%


     
    Duration Rate Points APR* Rate Lock
    15 Yr. Fixed 3.000% 0 3.000% 120 days
    20 Yr. Fixed 3.500% 1 3.614% 60 days
    3.750% 0 3.750% 60 days
    25 Yr. Fixed 3.625% 1 3.720% 60 days
    3.875% 0 3.875% 60 days
    30 Yr. Fixed 3.625% 1 3.707% 60 days
    3.875% 0 3.875% 60 days
    5/1 ARM 2.750% 1 3.074% 120 days
    caps 2% / 4% life 3.000% 0 3.082% 120 days
    7/1 ARM 3.000% 1 3.147% 120 days
    caps 2% / 4% life 3.250% 0 3.183% 120 days
    10/1 ARM 3.125% 1 3.205% 120 days
    caps 2% / 4% life 3.375% 0 3.277% 120 days

    Non-Conforming

    • APR = Annual Percentage Rate
    • Maximum Loan - $510,400
    • Owner Occupied
    • Purchase - Maximum LTV 95% (1 Unit), 90% (2 - 4 Units)
    • Refinance - Maximum LTV 80%
    • Construction/Permanent - Maximum LTV 80%
    • (NOTE: 1 Year ARM Program Not Available on Construction Loans)
    • Extended Rate Locks are Available

    Jumbo Mortgages

    • APR = Annual Percentage Rate
    • Owner Occupied
    • Purchase - Maximum LTV 90%/Refinance - Maximum LTV 80%
    • Construction/Permanent - Maximum LTV 80%
    • Please call for rates for loans of $750,001 or higher.
    • (NOTE: 1 Year ARM Program Not Available on Construction Loans)
    • Extended Rate Locks are Available
  • Special Community Homebuyer Program

    Special Community Homebuyer Program

    Funds limited to purchases only in Montgomery, Bucks and Chester Counties Qualifying Factors

    Loan Type Loan Interest Rate Points APR* Rate Lock
    30 Yr. Fixed 3.250% 1 3.330% 60 days
    30 Yr. Fixed 3.500% 0 3.500% 60 days
    5/1 ARM 2.375% 1 2.946% 120 days
    caps 2% / 4% life 2.625% 0 2.954% 120 days
     APR = Annual Percentage Rate
  • Mortgage Conversion

    Conversion Rates – Single Family Residential, Owner Occupied

    Length of Loan Loan Interest Rate APR*
    Contract 30 Year ARM 2.625% 2.704%
     APR = Annual Percentage Rate
  • Auto Loans

    Auto Loans

    Vehicle Type Loan Term APR*
    New (2020-2021) 60 Months 6.50%
    New (2020-2021) 72 Months 7.00%
    Used (2019-2021) 60 Months 7.00%
    Used (2015-2018) 36 Months 7.50%
     APR = Annual Percentage Rate
  • Homeowners Lots

    Homeowners Lots

    • Maximum LTV - 75% - Purchase
    • Maximum LTV - 75% - Refinance (No Cash)
    • Maximum Loan Amount - $250,000
    • Extended Rate Locks are Available
    Loan Type Loan Interest Rate Points APR Rate Lock
    15 Yr. Fixed 4.875% 1 5.028% 120 days
  • 1-4 Unit, Residential, Investor

    1-4 Unit, Residential, Investor

    • Purchase - Maximum LTV - 80% for 1 - 4 Units
    • Purchase - Maximum LTV - 80%
    • Extended Rate Locks are Available
    • Minimum Loan Amount - $80,000
    Loan Type Loan Interest Rate Points APR* Rate Lock
    15 Yr. Fixed 3.750% 1 3.898% 120 days
    15 Yr. Fixed 4.000% 0 4.000% 120 days
    20 Yr. Fixed 4.500% 1 4.618% 60 days
    20 Yr. Fixed 4.750% 0 4.750% 60 days
    25 Yr. Fixed 4.625% 1 4.724% 60 days
    25 Yr. Fixed 4.875% 0 4.875% 60 days
    30 Yr. Fixed 4.625% 1 4.712% 60 days
    30 Yr. Fixed 4.875% 0 4.875% 60 days
    5/1 ARM 3.750% 1 3.343% 120 days
    caps 2% / 4% life 4.000% 0 3.350% 120 days
    7/1 ARM 4.000% 1 3.549% 120 days
    caps 2% / 4% life 4.250% 0 3.586% 120 days
    10/1 ARM 4.500% 1 4.019% 120 days
    caps 2% / 4% life 4.750% 0 4.093% 120 days
    *APR = Annual Percentage Rate
    Call for details on Swing Loans, Second Homes, or Residential Properties with over 4 units and loans over $750,000. Rates are subject to change without notice.
    APR is based on a $125,000 selling price with 20% down
    Equal Housing Lender
Rates are effective November 27, 2020 and are subject to change.
Subject to credit approval