Rates & Schedules

Current Rates

Deposits

Account TypeMin. Dep. to OpenMin. Bal. to Get APY*Interest RateAPY*
Interest BearingAny $$None0.001%0.01%
FUN(D) AccountCall for more info
CHOICE CompleteAny $$None0.125%0.13%
CHOICE SavingsAny $$None 0.125% 0.13%
CHOICE SavingsAny $$$2000 0.175% 0.18%
Savings AccountAny $$None 0.125% 0.13%
Money Market IRA$100None0.250%0.25%
IRA Account$100None1.050%1.05%
Extreme CheckingAny $$$1000 0.125% 0.13%
$5000 0.150% 0.15%
$25000 0.175% 0.18%
Extreme SavingsAny $$$2500 0.150% 0.15%
$5000 0.150% 0.15%
$25000 0.165% 0.17%
Premier SavingsAny $$Up to $499.99 0.101% 0.10%
$500 to $4,999.99 0.150% 0.15%
$5,000 to $24,999.99 0.150% 0.15%
$25,000 to $49,999.99 0.150% 0.15%
$50,000 to $99,999.99 0.165% 0.17%
$100,000 & Over 0.175% 0.18%
6 Month CD$500$5000.350%0.35%
9 Month CD$500$5000.385%0.39%
12 Month CD$500$5000.400%0.40%
24 Month CD$500$5000.650%0.65%
36 Month CD$500$5001.000%1.00%
48 Month CD$500$5001.050%1.05%
18 Month Stmt CD$500$500 0.400% 0.40%
30 Month Stmt CD$500$5000.600%0.60%
Christmas Club$2None 0.025% 0.03%
Anything Club$2None 0.025% 0.03%

*APY (Annual Percentage Yield) assumes interest stays on deposit.  Withdrawal of interest reduces earnings.  These rates are good and accurate as of November 20, 2018.  Rates may change at managements discretion.  For additional information call 678-6006. Fees could reduce earnings. A penalty will be imposed for early withdrawal from a Certificate of Deposit (CD).

Mortgages

Please call 856-678-6006 and ask for the Loan Department for our most recent mortgage rates.
Commercial Loans Available. Please call 856-678-6006 for more information. Or you can email Loans@PennsvilleNB.com and we will respond normally within 24 hours M-F.

Home Equity

Add 0.75% to these rates if the payment is not automatically deducted from a Pennsville National Bank account.

Home Equity Loans (1st Lien Position)

TermAPR*Monthly payment for each $1,000 borrowed
60 Months5.125%$18.93
84 Months5.375%$14.31
120 Months5.625%$10.92
180 Months6.125%$8.51

Home Equity Loans (2nd Lien Position)

TermAPR*Monthly payment for each $1,000 borrowed
60 Months6.125%$19.39
84 Months6.375%$14.79
120 Months6.625%$11.42
180 Months7.125%$9.06

Commercial Loans Available. Please call 856-678-6006 for more information.

*Annual Percentage Rate (APR) is effective as of November 20, 2018. Rates subject to change without notice.

Auto Loans

Add 0.50% to these rates if the payment is not automatically deducted from a Pennsville National Bank account.

TermNEW - APR*  Monthly payment for each $1,000 borrowed
24 Months3.990%$43.42 (New/Used)
36 Months4.990%$29.97 (New/Used)
48 Months5.490%$23.26 (New/Used)
60 Months6.490%$19.57 (New)

Commercial Loans Available. Please call 856-678-6006 for more information.

*Annual Percentage Rate (APR) is effective as of November 20, 2018. Rates subject to change without notice.

Other Loans

Add 0.500% to these rates if the payment is not automatically deducted from a Pennsville National Bank account (excludes Mastercard/Visa and Demand Loans).

Recreational Vehicle Rates

TermAPR* NEWAPR* USEDMonthly payment
for each $1,000
borrowed - NEW
Monthly payment
for each $1,000
borrowed - USED
60 Months7.250%7.250%$19.92$19.92
120 Months8.250%8.250%$12.27$12.27
180 Months9.250%9.250%$10.30$10.30

Installment Loans

TermAPR*Monthly payment for each $1,000 borrowed
12 Months9.990%$87.90
24 Months9.990%$46.14
36 Months9.990%$32.27
48 Months10.990%$25.84
60 Months10.990%$21.75

Loan Secured by Stocks/Bonds

Will finance 75% of market value. Up to 48 months at Prime + 1.000%.

Other Loans

Demand Loans – 6.490%   |   Visa – Current rates found here

Commercial Loans Available. Please call 856-678-6006 for more information.

*Annual Percentage Rate (APR) is effective as of November 20, 2018. Rates subject to change without notice.

Fee Schedule

Interest Bearing Accounts

  • Monthly minimum balance fee if the average monthly balance drops below $600 is $6.00

CHOICE Complete

  • Monthly minimum balance fee if the combined average monthly balance drops below $10,000 is $10.00

Freedom Checking and Freedom Business Checking

  • Monthly minimum balance fee if the average monthly balance drops below $300.00 is $2.00.

Rainbow Account

  • Monthly minimum balance fee if the average monthly balance drops below $500.00 is $2.00.

Regular Checking Accounts

  • Monthly minimum balance fee if the average monthly balance drops below $1,000 is $6.00

Convenience Checking Accounts

  • No balance requirement. Monthly maintenance fee is $2.00 – Per check charge of $0.25 each.

CHOICE Savings Accounts

  • Monthly minimum balance fee if the average monthly balance drops below $1,000 is $10.00
  • Per check charge (Excess above 3 per month) is $10.00

Other Checking Account Fees

  • Insufficient Funds Fee (per item) $39.76
  • Daily Negative Balance Charge $6.00
  • Stop Payment Charge $14.89

Savings Accounts

  • On average balances of $50 or less at the end of a calendar quarter is $2.00

Other Savings Fees

  • Insufficient Funds Fee (per item) $39.76
  • Checking and Savings Insufficient Funds Fees applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means as applicable.

Items Needed to Apply for a Loan

Installment Loans

  • Last two pay stubs
  • If self-employed, most recently filed Federal Income Tax Return

Auto/RV/Boat Loans

  • Last two pay stubs
  • If self-employed, most recently filed Federal Income Tax Return
  • If self-employed, make, model and year of vehicle (include all known extras & estimate of mileage)

Home Equity Loans and Home Equity Lines of Credit

  • Last two paystubs
  • If self-employed, most recently filed Federal Income Tax Return
  • Copy of Deed
  • Copy of property tax bill
  • Copy of Homeowners Insurance Policy

Credit Cards

  • Last two paystubs
  • If self-employed, most recently filed Federal Income Tax Return

If you have lost your ATM card or VISA Check Card and are unable to reach us during regular hours, please call 1-800-472-3272.