Rates

APY = Annual Percentage Yield

Fees may reduce earnings.

Rates effective as of March 29th, 2017.

Free Kasasa Cash Checking*

BalanceMinimum Required Opening DepositRateAPY
$0 - $25,000$251.9901%2.01%
$25,000+$25 0.4988%2.01% to 0.80%
All balances if qualifications not met$250.0499%0.05%

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive e-statement notice
  • Be enrolled and log into online banking

Free Kasasa Saver*

BalanceMinimum Required Opening DepositRateAPY
$0 - $100,000$250.9954%1.00%
$100,000+$25 0.4988%1.00% to 0.75%
All balances if qualifications not met$250.0499%0.05%

To earn your rewards, simply do the following activities and transactions in your Kasasa Saver account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive e-statement notice
  • Be enrolled and log into online banking
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Personal Savings

AccountMinimum Opening DepositMinimum Balance to Earn APYRateAPY
Trusty's Club3$1$10.6481%0.65%
Statement Savings$1$1000.0799%0.08%
$1$2,5000.0999%0.10%
Money Market Plus1 2 3$1$10,0000.1299%0.13%
$1$25,0000.1798%0.18%

The rate may change after the account is opened.

1 Fees could reduce earnings on the account.

2 No service charge if minimum balance is maintained.

3 Not applicable for IRAs.

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CDs

DurationMinimum Opening DepositMinimum Balance to Earn APYRateAPY
3 Month CD$500$5000.0999%0.10%
6 Month CD$500$5000.1399%0.14%
7 Month No Penalty CD 2 3$500$5000.0499%0.05%
9 Month CD$500$5000.1998%0.20%
12 Month CD$500$5000.2098%0.21%
15 Month CD$500$5000.2098%0.21%
17 Month CD$500$5000.2298%0.23%
18 Month CD$500$5000.2597%0.26%
20 Month Rising Rate CD 1$500$5001.1440%1.15%
24 Month CD$500$5000.3594%0.36%
36 Month CD$500$5000.6779% 0.68%
48 Month Rising Rate CD 1$500$5001.7853%1.80%
60 Month CD$500$5002.1487%2.17%

A penalty may be imposed for early withdrawal.

1 The rate may change after the account is opened.

2 No penalties for early withdrawal.

3 Not applicable for IRAs.

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IRAs

Account TypeMinimum Opening BalanceRateAPY
IRA Money Market Passbook $1.000.0999%0.10%
3 Month IRA CD$500.000.0999%0.10%
6 Month IRA CD $500.000.1399%0.14%
7 Month IRA CD$500.000.0499%0.05%
9 Month IRA CD$500.000.1988%0.20%
12 Month IRA CD$500.000.2098%0.21%
15 Month IRA CD$500.000.2098%0.21%
17 Month IRA CD$500.000.2298%0.23%
18 Month IRA CD$500.000.2597%0.26%
20 Month Rising Rate IRA CD$500.001.1440%1.15%
24 Month IRA CD$500.000.3594%0.36%
36 Month IRA CD$500.000.6779%0.68%
48 Month Rising Rate IRA CD$500.001.7853%1.80%
60 Month IRA CD$500.002.1487%2.17%

A penalty may be imposed for early withdrawal. You may request an account disclosure containing the term, fees, and other information for your account.

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Home Equity Loans

TermAPR
36 Months2.490%
60 Months2.490%
84 Months3.500%
120 Months3.750%
180 Months3.990%
240 Months5.750%
360 Months6.000%

Interest Rate/APR with direct deposit/automatic payment from a Harleysville Savings Bank checking account.


Above terms are available to Homeowners with Maximum LTV of 80%. Other terms available with less equity and without automatic payment - Please inquire.

Home Equity Line of Credit

INTEREST ONLY OR EVERGREEN3.99% APRMinimum Rate

Annual Percentage Rate is 3.99% APR. APR is variable monthly based on the highest New York Prime Rate published in the Wall Street Journal on the last business day of the prior billing cycle. As of 3/17/17, this index was 4.00%. Minimum APR is 3.99% APR. Maximum APR is 18% APR. The interest only line has a balloon payment due at the end of 20 years. Minimum line amount is $5,000. Rates apply to 80% loan-to-value or less for single-family, primary residence. Closing costs of $85 to $451 may apply. Your actual rate will be based on a review of your creditworthiness. Other plans available. Rates subject to change and offers may be discontinued at any time.

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Mortgage Loans

DurationRatePointsAPRRate Lock
15 Yr Fixed

Conforming

3.250%03.250%60 Days
30 Yr Fixed

Conforming

4.250%04.250%60 Days

Maximum Loan - $424,100

Purchase - Maximum LTV 95%

Refinance - Maximum LTV 90%

Construction/Permanent - Maximum LTV 80%

(NOTE: 1 Year ARM Program Not Available on Construction Loans)

Extended Rate Locks are Available

DurationRatePointsAPRRate Lock
15 Yr. Fixed3.250%03.250%120 days
20 Yr. Fixed3.875%13.990%60 days
4.125%04.125%60 days
25 Yr. Fixed4.000%14.097%60 days
4.250%04.250%60 days
30 Yr. Fixed4.000%14.084%60 days
4.250%04.250%60 days
5/1 ARM3.125%13.874%120 days
caps 2% / 4% life3.375%03.881%120 days
7/1 ARM3.250%13.815%120 days
caps 2% / 4% life3.500%03.850%120 days
10/1 ARM3.750%13.989%120 days
caps 2% / 4% life4.000%04.061%120 days

Non-Conforming

  • Maximum Loan - $424,100
  • Purchase - Maximum LTV 95% (1 Unit), 90% (2 - 4 Units)
  • Refinance - Maximum LTV 90%
  • Construction/Permanent - Maximum LTV 80%
  • (NOTE: 1 Year ARM Program Not Available on Construction Loans)
  • Extended Rate Locks are Available

Jumbo Mortgages

  • Purchase/Refinance - Maximum LTV 90%; please call for rates over 80%
  • Construction/Permanent - Maximum LTV 80%
  • Please call for rates for loans of $750,001 or higher.
  • (NOTE: 1 Year ARM Program Not Available on Construction Loans)
  • Extended Rate Locks are Available
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Mortgage Conversion Rates

Conversion Rates - Single Family Residential, Owner Occupied

Length of LoanLoan Interest RateAPR
Contract 30 Year ARM4.250%4.337%
30 Year4.250%4.377%
25 Year4.250%4.397%
20 Year4.125%4.300%
15 Year3.250%3.469%
10 Year3.250%3.569%
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Auto Loans

Vehicle TypeLoan TermAPR
New (2016-2017)60 Months6.50%
New (2016-2017)72 Months7.00%
Used (2015-2017)60 Months7.00%
Used (2011-2014)36 Months7.50%
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Special Community Homebuyer Plan

Funds limited to purchases only in Montgomery and Bucks Counties
Qualifying Factors
Loan Type Loan Interest RatePointsAPRRate Lock
30 Yr. Fixed3.625%13.707%60 days
30 Yr. Fixed3.875%03.875%60 days
5/1 ARM2.750%13.743%120 days
caps2% / 4% life3.000%03.750%120 days
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Homeowners Lots

  • Maximum LTV - 75% - Purchase
  • Maximum LTV - 75% - Refinance (No Cash)
  • Maximum Loan Amount - $250,000
  • Extended Rate Locks are Available
  • Loan Type Loan Interest RatePointsAPRRate Lock
    15 Yr. Fixed5.125%15.280%120 days
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    1-4 Unit, Residential, Investor:

  • Purchase - Maximum LTV - 80% for 1 - 4 Units
  • Purchase - Maximum LTV - 80%
  • Extended Rate Locks are Available
  • Minimum Loan Amount - $80,000
  • Loan Type Loan Interest RatePointsAPRRate Lock
    15 Yr. Fixed4.000%14.149%120 days
    15 Yr. Fixed4.250%04.250%120 days
    20 Yr. Fixed4.750%14.869%60 days
    20 Yr. Fixed5.000%05.000%60 days
    25 Yr. Fixed5.000%15.101%60 days
    25 Yr. Fixed5.250%05.250%60 days
    30 Yr. Fixed5.000%15.089%60 days
    30 Yr. Fixed5.250%05.250%60 days
    5/1 ARM3.750%13.742%120 days
    caps 2% / 4% life4.000%03.749%120 days
    7/1 ARM4.000%13.877%120 days
    caps 2% / 4% life4.250%03.913%120 days
    10/1 ARM4.750%14.421%120 days
    caps 2% / 4% life5.000%04.494%120 days

    *APR = Annual Percentage Ratec

    Call for details on Swing Loans, Second Homes, or Residential Properties with over 4 units and loans over $750,000. Rates are subject to change without notice.

    APR is based on $125,000 with 20% down

    Equal Housing Lender

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    Helpful tools

    Qualification Calendar

    Easily locate the monthly qualification calendar.

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