Rates

 

 

 

Rates are accurate as of April 1, 2019. All rates are subject to change without notice.

 

 

CHECKING / SAVINGS

Min. Opening Deposit

Min. Balance to Earn Stated APY*

APY*

 

Savings 01

$250 – $4,999.99

$5.00

$250.00

0.15%

 

5,000 & over

 

 

0.15%

 

 

Secondary Savings 04

$250 – $4,999.99

 

$250.00

0.15%

 

5,000 & over

 

 

0.15%

 

 

Junior Savers

 

 

 

 

$50 & over

 

$50.00

0.15%


 

Christmas Club Accounts

$250 & over

 

$250.00

0.15%


 

 

 

 

 

Vacation Club Accounts

$250 & over

 

$250.00

0.15%


 

IRA Savings

$100 & over

 

$100.00

0.25%


 

 

 

 

 

Money Market Accounts

$2,500 – $24,999.99

$2,500.00

0.15%


$25,000 – $99,999.99

 

0.15%


$100,000 & over

 

0.25%



Money Market rate is calculated monthly and may change after account opening. Fees could reduce earnings.
 

 

Checking Accounts

All Balances

 

 

0.00%


 

Business Checking Accounts

$5,000 – $24,999.99

$5,000.00

0.15%


$25,000 – $99,999.99

 

0.15%


$100,000 & over

 

0.15%



Business Checking rate is calculated monthly and may change after account opening. Fees could reduce earnings.

 

Share Certificates of Deposit  [CDs]

Min. Deposit

 

APY*


6-month

$500.00

 

0.35%

 

12-month

$500.00

 

0.50%

 

18-month

 $500.00

 

0.50%

 

24-month

$500.00

 

1.50%

 

30-month

$500.00

 

1.00%

 

36-month

$500.00

 

2.27%

 

60-month

$500.00

 

2.78%

 


Penalty for early withdrawal of share certificates:

15 months or less – 90 days dividends

18 months and over – 180 days dividends

Fees for early withdrawal may reduce earnings.

 

Super Saver Certificate

Min. Deposit

 

APY*


12 months

$1,000.00

 

0.40%


Allows for deposits of $500 or more during term.

One withdrawal per year with no penalty as long as balance remains above $1000. Additional
withdrawals have 90 days dividend penalty. Penalty may reduce earnings.

IRA CERTIFICATES

Min. Deposit


APY*


 

$500.00

 

 

 

Traditional

 

 

 

 

18-month

 

 

0.50%


36-month

 

 

2.27%


60-month

 

 

2.78%



Roth
18-month


 



0.50%




36-month

 

 

2.27%


48-month

 

 

2.38%


60-month

 

 

2.78%



Coverdell
18-month


 



0.50%




36-month

 

 

2.27%


48-month

 

 

2.38%


60-month

 

 

2.78%


 

 

CONSUMER LOAN PRODUCTS

Visa EMV-chip Enabled Credit Card

 

APR**

 

Rates based on credit worthiness

 as low as

9.90%

 

 

BUSINESS Visa EMV-chip Enabled Credit Card

 

APR**

 

Rates based on credit worthiness

 

Prime + 4%

 

 

Checking Plus Line of Credit

 

APR**

 

Rates based on credit worthiness

 as low as

10.25%

 

Rate adjusts January 1 & July 1

 

 

 


Certificate Secured

3.00% APR** above the rate on the deposit instrument.

Term on CD secured loans cannot exceed the term of the Certificate of Deposit being used as collateral.

 

Share Secured

 

APR**

 

Up to 120 months

 

3.50%

 

 

 

 

 

 

 

HOME EQUITY LOAN PRODUCTS

Rate based on credit worthiness

Account

APR*

Monthly Payment per $1,000

 

5 Years Fixed Rate Home Equity

3.75%

$913.50

 

$5,000 min, $500,000 max, 80% max LTV, 1-4 family owner occupied. Illustrative payment example based on a $50,000 loan amount. NO APPLICATION FEES!

 

10 Years Fixed Rate Home Equity

4.25%

$511.15

 

$5,000 min, $500,000 max, 80% max LTV, 1-4 family owner occupied. Illustrative payment example based on a $50,000 loan amount. NO APPLICATION FEES!

 

15 Years Fixed Rate Home Equity

4.75%

$388.06

 

$5,000 min, $500,000 max, 80% max LTV, 1-4 family owner occupied. Illustrative payment example based on a $50,000 loan amount. NO APPLICATION FEES!

 

*APR = Annual Percentage Rate

Property insurance required. APR is subject to change without notice. Offer may be modified or withdrawn at any time without prior notice. Maximum appraisal costs $500.

 

Home Equity Line of Credit

5.25%

 

 

Rate adjusts twice a year. APR is based on the highest Prime Rate published in The Wall Street Journal as of most recent index available as of May 1st for the July 1st annual percentage rate adjustment and November 1st for the Januaruy 1st annual percentage rate adjustment. The current Prime Rate, as of November 1, 2018 is 5.25%. The APR is variable and may change at any time. The 5.25% APR is a variable APR, which is Prime Rate plus 0.00% margin added. Maximum APR is 15.00% [ceiling]. Minimum APR is 4.00% [floor]. Rates are subject to change without notice.

 

*APR = Annual Percentage Rate

Property insurance required. APR is subject to change without notice. Offer may be modified or withdrawn at any time without prior notice. Maximum appraisal costs $500.

 

Consult your tax advisor regarding the deductibility of interest.

 

 

MORTGAGES

Costs vary with loan type and term.

 

Click here  to experience "White Glove Treatment" from our Strategic Partner, Unifirst Mortgage--a locally owned and operated, full service mortgage banking organization--a members-only benefit!

Contact the loan department for additional information.
 

 

VEHICLE LOANS

New Vehicles

Rates based on credit worthiness

2019-2018

 

 

APR**

 

New – 36 months

as low as

3.75%

 

New – up to 60 months

 as low as

3.75%

 

New – over 60 months

 as low as

4.25%

 

 

Used Vehicles

Rates based on credit worthiness

2017-2010

 

 

APR**

 

Used – 36 months

 as low as

4.75%

 

Used – up to 60 months

 as low as

4.75%

 

2009 and Older

 

 

 

Used – 36 months

 as low as

6.50%

 

Used – up to 60 months

 as low as

6.50%

 

 

Recreational Vehicles 

Rates based on credit worthiness

APR**

 

36 months

 as low as

6.50%

 

Up to 60 months

 as low as

6.50%

 

Over 60 months

 as low as

6.50%

 

 

 

.25 basis point reduction with transfer from primary checking account for new, used, or recreational vehicle loans; home equity fixed rate loans; and signature loans.

Subject to Credit Approval

 

All rates are subject to change without notice.

 

*APY – Annual Percentage Yield

**APR – Annual Percentage Rate

 

 

RICHLAND OFFICE & ADMINISTRATIVE OFFICES

532 Oakridge Drive
Johnstown, PA 15904
814.266.4987
MOXHAM OFFICE

522 Central Avenue
Johnstown, PA 15902
814.535.4646
SOMERSET OFFICE

180 Beacon Street
Somerset, PA 15501
814.445.3997
EBENSBURG OFFICE

169 Mini Mall Road Suite 110
Ebensburg, PA 15931
814.472.0615

Routing/Transit Number: 231381569