Rates & Schedules

Current Rates

Deposits

Account Type	Min. Dep. to Open	Min. Bal. to Get APY*	Interest Rate	APY*
Interest Bearing	Any $$	None	0.001%	0.01%
FUN(D) Account	Call for more info
CHOICE Complete	Any $$	None	0.125%	0.13%
CHOICE Savings	Any $$	None	0.125%	0.13%
CHOICE Savings	Any $$	$2000	0.175%	0.18%
Savings Account	Any $$	None	0.125%	0.13%
Money Market IRA	$100	None	0.250%	0.25%
IRA Account	$100	None	1.050%	1.05%
Extreme Checking	Any $$	$1000	0.125%	0.13%
		$5000	0.150%	0.15%
		$25000	0.175%	0.18%
Extreme Savings	Any $$	$2500	0.150%	0.15%
		$5000	0.150%	0.15%
		$25000	0.165%	0.17%
Premier Savings	Any $$	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	$500	0.350%	0.35%
9 Month CD	$500	$500	0.385%	0.39%
12 Month CD	$500	$500	0.400%	0.40%
24 Month CD	$500	$500	0.650%	0.65%
36 Month CD	$500	$500	1.000%	1.00%
48 Month CD	$500	$500	1.050%	1.05%
18 Month Stmt CD	$500	$500	0.400%	0.40%
30 Month Stmt CD	$500	$500	0.600%	0.60%
Christmas Club	$2	None	0.025%	0.03%
Anything Club	$2	None	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)

Term	APR*	Monthly payment for each $1,000 borrowed
60 Months	3.5000%	$18.19
84 Months	4.000%	$13.67
120 Months	4.250%	$10.25
180 Months	4.750%	$7.78

Home Equity Loans (2nd Lien Position)

Term	APR*	Monthly payment for each $1,000 borrowed
60 Months	4.500%	$18.65
84 Months	5.000%	$14.14
120 Months	5.250%	$10.73
180 Months	5.750%	$8.31

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

*Annual Percentage Rate (APR) is effective as of August 21, 2019. 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 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

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 June 11, 2019. 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

Apply for a Loan

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.