Pennsville National Bank

Current Rates

Deposits

Account Type Min Dep to Open Min Bal for APY* Interest Rate Annual % Yield
Personal Int. Freedom Checking Any $$ None 0.070% 0.07%
Business Int. Freedom Checking Any $$ None 0.070% 0.07%
Money Market Account Any $$ Up to $4,999.99 0.070% 0.07%
$5000.00 to $24,999.99 0.100% 0.10%
$25,000.00 to $99,999.99 0.250% 0.25%
$100,000.00 & Over 0.500% 0.50%
Premier Savings Any $$ Up to $499.99 0.030% 0.03%
500 to $4,999.99 0.050% 0.05%
$5000.00 to $24,999.99 0.080% 0.08%
$25,000.00 to $49,999.99 0.100% 0.10%
$50,000.00 to $99,999.99 0.150% 0.15%
$100,000.00 & Over 0.250% 0.25%
6 Month CD $500.00 $500.00 0.100% 0.10%
9 Month CD $500.00 $500.00 0.100% 0.10%
12 Month CD $500.00 $500.00 0.200% 0.20%
18 Month Rate Option CD $500.00 $500.00 0.150% 0.15%
24 Month CD $500.00 $500.00 3.000% 3.04%
30 Month Rate Option CD $500.00 $500.00 0.200% 0.20%
36 Month  CD $500.00 $500.00 2.250% 2.27%
48 Month CD $500.00 $500.00 0.400% 0.40%
Anything Club $2.00 None 0.100% 0.10%
Christmas Club $2.00 None 0.100% 0.10%
IRA Account $100.00 None 0.400% 0.40%
Money Market IRA $100.00 None 0.100% 0.10%

*APY (Annual Percentage Yield) assumes interest stays on deposit. Withdrawal of interest reduces earnings. There is a penalty for early withdrawal for Certificates of Deposits (CD’s) before maturity. These rates are good and accurate as of 4/11/2025. Rates may change at management’s discretion. For additional information call 856-678-6006. Fees could reduce earnings.

Residential Mortgages

Owner Occupied:

Type Term Interest Rate APR* Points Down Payment Pmt per $1,000 Monthly
Fixed Rate 30 years 6.375% 6.447% 0.5 5% $6.24
20 years 6.000% 6.094% 0.5 5% $7.16
15 years 5.625% 5.741% 0.5 5% $8.24
ARM’s 30 years
Adjustable Rate 1/1 4.750% 7.050% 0.5 5% $6.78
Mortgage** 3/3 5.000% 6.565% 0.5 5% $6.56
5/5 5.250% 6.399% 0.5 5% $6.53
First Time Home Buyer 30 years 6.625% 6.625% 0 3% $6.40

Non-Owner Occupied:

Type Term Interest Rate APR* Points Downpayment Payment per $1,000 Monthly
Fixed Rate 15 years 7.750% 7.828% 0.5 25% $9.41

Construction loans available.

Additional Rate/Payment Factors
Mortgage loan payments described may be increased by the inclusion of property taxes, hazard or flood insurance and private mortgage insurance, if applicable.  APR described may be increased by the inclusion of private mortgage insurance, if applicable.

*Annual Percentage Rate (APR) is effective as of November 1, 2024.  Rates subject to change without notice.
**ARM rates assume no increase in the financial index after the initial fixed period.

Download  1 Yr ARM Disclosure (PDF)
Download  3 Yr ARM Disclosure (PDF)
Download  5 Yr ARM Disclosure (PDF)

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)

Term APR* Monthly payment for each $1,000 borrowed
60 Months 5.875% $19.27
84 Months 6.375% $14.79
120 Months 6.625% $11.42
180 Months 7.625% $9.34

 

Home Equity Loans (2nd Lien Position)

Term APR* Monthly payment for each $1,000 borrowed
60 Months 6.875% $19.74
84 Months 7.375% $15.27
120 Months 7.625% $11.93
180 Months 8.625% $9.92

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

*Annual Percentage Rate (APR) is effective as of November 1, 2024. 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.

Term NEW – APR* Monthly payment for each $1,000 borrowed
24 Months 5.990% $44.33 (New/Used)
36 Months 6.490% $30.65 (New/Used)
48 Months 6.990% $23.95 (New/Used)
60 Months 7.490% $20.04 (New/Used)
72 Months 7.990% $17.53 (New/Used)

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

*Annual Percentage Rate (APR) is effective as of May 10, 2023. 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

Term APR* NEW APR* USED Monthly payment
for each $1,000
borrowed – NEW		 Monthly payment
for each $1,000
borrowed – USED
60 Months 10.750% 10.750% $21.62 $21.62
120 Months 11.750% 11.750% $14.21 $14.21
180 Months 12.750% 12.750% $12.49 $12.49

Installment Loans

Term APR* Monthly payment for each $1,000 borrowed
12 Months 11.990% $88.85
24 Months 11.990% $47.07
36 Months 11.990% $33.21
48 Months 14.990% $27.83
60 Months 14.990% $23.79

Loan Secured by Stocks / Bonds

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

Other Loans

Demand Loans – 10.490%   |   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 2, 2023. Rates subject to change without notice.

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
    • Year, make, model and trim package of vehicle (include all known extras & estimate of mileage)

    Credit Cards

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

    Home Equity Loans and Home Equity Lines of Credit

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

      Mortgage

      • Last two paystubs
      • Last two filed Federal Income Tax Returns
      • Two most recent bank statements
      • See Loan Checklist (pdf) for other documentation

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