Rates & Schedules

Current Rates

Deposits

Account Type Min Dep to Open Min Bal for APY* Interest Rate Annual Percentage Yield
Rainbow Account Any $$ None 0.001% 0.01%
Student Account Any $$ None 0.001% 0.01%
Interest Checking Any $$ None 0.001% 0.01%
Extreme Checking Any $$ $1,000.00 0.010% 0.01%
$5,000.00 0.015% 0.02%
$25,000.00 0.018% 0.02%
Choice Complete Any $$ None 0.010% 0.01%
Savings Account Any $$ None 0.010% 0.01%
Choice Savings Any $$ None 0.010% 0.01%
$2,000.00 0.015% 0.02%
Premier Savings Any $$ Up to $499.99 0.010% 0.01%
500 to $4,999.99 0.015% 0.02%
$5000.00 to $24,999.99 0.015% 0.02%
$25,000.00 to $49,999.99 0.015% 0.02%
$50,000.00 to $99,999.99 0.017% 0.02%
$100,000.00 & Over 0.018% 0.02%
Extreme Savings Any $$ $2,500.00 0.015% 0.02%
$5,000.00 0.015% 0.02%
$25,000.00 0.017% 0.02%
Money Market Fund(D) $5,000.00 $5,000.00 0.015% 0.02%
$10,000.00 0.017% 0.02%
$25,000.00 0.020% 0.02%
$50,000.00 0.025% 0.03%
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 0.150% 0.15%
18 Month Rate Option CD $500.00 $500.00 0.150% 0.15%
24 Month CD $500.00 $500.00 0.250% 0.25%
30 Month Rate Option CD $500.00 $500.00 0.200% 0.20%
36 Month  CD $500.00 $500.00 0.300% 0.30%
48 Month CD $500.00 $500.00 0.400% 0.40%
Anything Club $2.00 None 0.025% 0.03%
Christmas Club $2.00 None 0.025% 0.03%
IRA Account $100.00 None 0.400% 0.40%
Money Market IRA $100.00 None 0.025% 0.03%

*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 11/02/2020. Rates may change at management’s discretion. For additional information call 856-678-6006. Fees could reduce earnings.

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 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)

Term APR* Monthly payment for each $1,000 borrowed
60 Months 2.875 $17.91
84 Months 3.375 $13.39
120 Months 3.625 $9.95
180 Months 4.125 $7.46

 

Home Equity Loans (2nd Lien Position)

Term APR* Monthly payment for each $1,000 borrowed
60 Months 3.875 $18.36
84 Months 4.375 $13.84
120 Months 4.625 $10.45
180 Months 5.125 $7.98

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

*Annual Percentage Rate (APR) is effective as of March 12, 2020. 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 3.990% $43.42 (New/Used)
36 Months 4.990% $29.97 (New/Used)
48 Months 5.490% $23.26 (New/Used)
60 Months 6.490% $19.57 (New)

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

*Annual Percentage Rate (APR) is effective as of March 12, 2020. 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 7.250% 7.250% $19.92 $19.92
120 Months 8.250% 8.250% $12.27 $12.27
180 Months 9.250% 9.250% $10.30 $10.30

Installment Loans

Term APR* Monthly payment for each $1,000 borrowed
12 Months 7.990% $94.82
24 Months 7.990% $49.30
36 Months 7.990% $34.16
48 Months 10.990% $25.84
60 Months 10.990% $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 March 12, 2020. 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
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Online Banking

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.