Rates

APY = Annual Percentage Yield

Fees may reduce earnings.

Rates effective as of September 24th, 2019.

Kasasa Cash Checking*

Balance Minimum Required Opening Deposit Rate APY
Balances up to $25,000 $25 1.9901% 2.01%
Balances over $25,000 $25 0.4988% 2.01% to 0.80%
All balances if qualifications not met $25 0.0499% 0.05%

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash 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

Kasasa Saver*

Balance Minimum Required Opening Deposit Rate APY
Balances up to $100,000 $25 0.9954% 1.00%
Balances over $100,000 $25 0.4988% 1.00% to 0.75%
All balances if qualifications not met $25 0.0499% 0.05%

To earn your rewards, simply do the following activities and transactions in your Kasasa Saver 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
Back to Top

Personal Savings

Account Minimum Opening Deposit Minimum Balance to Earn APY Rate APY
Trusty's Club3 $1 None 0.6481% 0.65%
Statement Savings $1 $100 to $2,499.99 0.0799% 0.08%
$1 $2,500 and higher 0.0999% 0.10%
Money Market Plus1 2 3 $1 $10,000 to $24,999.99 0.1299% 0.13%
$1 $25,000 and higher 0.1798% 0.18%

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.

Back to Top

CDs

Duration Minimum Opening Deposit Minimum Balance to Earn APY Rate APY
3 Month CD $500 $500 0.0999% 0.10%
6 Month CD $500 $500 0.1399% 0.14%
7 Month No Penalty CD 2 3 $500 $500 0.1998% 0.20%
9 Month CD $500 $500 1.4898% 1.50%
12 Month CD $500 $500 0.2098% 0.21%
15 Month CD $500 $500 0.2098% 0.21%
17 Month CD $500 $500 0.2298% 0.23%
18 Month CD $500 $500 0.2597% 0.26%
20 Month Rising Rate CD 1 $500 $500 1.0054% 1.01%
24 Month CD $500 $500 1.0054% 1.01%
36 Month CD $500 $500 1.1935% 1.20%
48 Month Rising Rate CD 1 $500 $500 1.7853% 1.80%
60 Month CD $500 $500 2.1487% 2.17%

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.

Back to Top

IRAs

Account Type Minimum Opening Balance Rate APY
IRA Statement Savings $1.00 0.0999% 0.10%
3 Month IRA CD $500.00 0.0999% 0.10%
6 Month IRA CD $500.00 0.1399% 0.14%
7 Month IRA CD $500.00 0.1998% 0.20%
9 Month IRA CD $500.00 1.4898% 1.50%
12 Month IRA CD $500.00 0.2098% 0.21%
15 Month IRA CD $500.00 0.2098% 0.21%
17 Month IRA CD $500.00 0.2298% 0.23%
18 Month IRA CD $500.00 0.2597% 0.26%
20 Month Rising Rate IRA CD 1 $500.00 1.0054% 1.01%
24 Month IRA CD $500.00 1.0054% 1.01%
36 Month IRA CD $500.00 1.1935% 1.20%
48 Month Rising Rate IRA CD 1 $500.00 1.7853% 1.80%
60 Month IRA CD $500.00 2.1487% 2.17%

A penalty may be imposed for early withdrawal.

1 The rate may change after the account is opened.

Back to Top

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%
   

Interest 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

INTEREST ONLY OR EVERGREEN 5.00% APR Minimum Rate

Annual Percentage Rate is 5.00% 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 09/20/2019, this index was 5.00%. Minimum APR is 3.99% 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.

Back to Top

Mortgage Loans

Duration Rate Points APR Rate Lock
15 Yr Fixed

Conforming

3.500% 0 3.500% 60 Days
30 Yr Fixed

Conforming

4.000% 0 4.000% 60 Days

Maximum Loan - $484,350

Owner Occupied

Purchase - Maximum LTV 95%

Refinance - Maximum LTV 90%

Construction/Permanent - Maximum LTV 80%

(NOTE: 1 Year ARM Program Not Available on Construction Loans)

Extended Rate Locks are Available

Duration Rate Points APR Rate Lock
15 Yr. Fixed 3.500% 0 3.500% 120 days
20 Yr. Fixed 3.625% 1 3.739% 60 days
3.875% 0 3.875% 60 days
25 Yr. Fixed 3.750% 1 3.845% 60 days
4.000% 0 4.000% 60 days
30 Yr. Fixed 3.750% 1 3.832% 60 days
4.000% 0 4.000% 60 days
5/1 ARM 3.250% 1 3.655% 120 days
caps 2% / 4% life 3.500% 0 3.662% 120 days
7/1 ARM 3.500% 1 3.715% 120 days
caps 2% / 4% life 3.750% 0 3.750% 120 days
10/1 ARM 3.625% 1 3.755% 120 days
caps 2% / 4% life 3.875% 0 3.827% 120 days

Non-Conforming

  • Maximum Loan - $484,350
  • Owner Occupied
  • Purchase - Maximum LTV 95% (1 Unit), 90% (2 - 4 Units)
  • Refinance - Maximum LTV 90%
  • Construction/Permanent - Maximum LTV 80%
  • (NOTE: 1 Year ARM Program Not Available on Construction Loans)
  • Extended Rate Locks are Available

Jumbo Mortgages

  • Owner Occupied
  • Purchase/Refinance - Maximum LTV 90%; please call for rates over 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
Back to Top

Mortgage Conversion Rates

Conversion Rates - Single Family Residential, Owner Occupied

Length of Loan Loan Interest Rate APR
Contract 30 Year ARM 3.750% 3.834%
30 Year 4.000% 4.126%
25 Year 4.000% 4.145%
20 Year 3.875% 4.048%
15 Year 3.500% 3.721%
10 Year 3.250% 3.569%
Back to Top

Auto Loans

Vehicle Type Loan Term APR
New (2018-2019) 60 Months 6.50%
New (2018-2019) 72 Months 7.00%
Used (2017-2019) 60 Months 7.00%
Used (2013-2016) 36 Months 7.50%
Back to Top

Special Community Homebuyer Plan

Funds limited to purchases only in Montgomery and Bucks Counties
Qualifying Factors
Loan Type Loan Interest Rate Points APR Rate Lock
30 Yr. Fixed 3.375% 1 3.456% 60 days
30 Yr. Fixed 3.625% 0 3.625% 60 days
5/1 ARM 2.875% 1 3.524% 120 days
caps2% / 4% life 3.125% 0 3.531% 120 days
Back to Top

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
Back to Top

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 4.250% 1 4.400% 120 days
15 Yr. Fixed 4.500% 0 4.500% 120 days
20 Yr. Fixed 5.000% 1 5.121% 60 days
20 Yr. Fixed 5.250% 0 5.250% 60 days
25 Yr. Fixed 5.250% 1 5.353% 60 days
25 Yr. Fixed 5.500% 0 5.500% 60 days
30 Yr. Fixed 5.250% 1 5.340% 60 days
30 Yr. Fixed 5.500% 0 5.500% 60 days
5/1 ARM 4.250% 1 4.013% 120 days
caps 2% / 4% life 4.500% 0 4.020% 120 days
7/1 ARM 4.500% 1 4.193% 120 days
caps 2% / 4% life 4.750% 0 4.229% 120 days
10/1 ARM 5.000% 1 4.628% 120 days
caps 2% / 4% life 5.250% 0 4.702% 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

Helpful tools

Qualification Calendar

Easily locate the monthly qualification calendar.

Online Banking

Save time and enroll in Online Banking

Free Checking

Get a New Checking Account today