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 | 4.750% | $20.44 |
| 84 Months | 5.000% | $15.41 |
| 120 Months | 5.250% | $11.69 |
| 180 Months | 5.750% | $9.05 |
Home Equity Loans (2nd Lien Position)
| Term | APR* | Monthly payment for each $1,000 borrowed |
|---|---|---|
| 60 Months | 5.750% | $20.94 |
| 84 Months | 6.000% | $15.92 |
| 120 Months | 6.250% | $12.24 |
| 180 Months | 6.750% | $9.65 |
Commercial Loans Available. Please call 856-678-6006 for more information.
*Annual Percentage Rate (APR) is effective as of February 27, 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 | 9.990% | $87.90 |
| 24 Months | 9.990% | $46.14 |
| 36 Months | 9.990% | $32.27 |
| 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 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.