Welcome, Guest to Phoenixville Federal Bank & Trust
Call Today 610-933-1000 Our Hours Choose a location

Rates

 

Deposit Rates

Interest Bearing Checking Accounts
ProductBalance to Obtain APYAnnual Percentage Yield
Premium Interest $0.01 to $2,499.99 0.05%
Premium Interest $2,500.00 and up 0.20%
50 N' Better None 0.05%
Direct Free Interest None 0.05%

Accounts require a $25 minimum balance to open. Interest calculated on the daily balance, simple interest credited monthly. Fees could reduce the earnings on the account.

Phoenix Money Market
BalanceAnnual Percentage Yield
Less than $2,500.00 no interest earned
$2,500.00 to $9,999.99 0.05%
$10,000.00 to $24,999.99 0.10%
$25,000.00 to $49,999.99 0.15%
$50,000.00 to $99,999.99 0.20%
$100,000.00 to $149,999.99 0.25%
$150,000.00 and up 0.35%

Interest calculated on the daily balance, daily compounding, credited monthly. $2500 Minimum required to open and earn interest. Fees could reduce the earnings on the account.

Savings Accounts
ProductMinimum Deposit to OpenBalance to Obtain APYAnnual Percentage Yield
Passbook Savings $100 $100 0.15%
Statement Savings $100 $100 0.15%
Children's Savings Club $20 $20 0.15%
Senior Gold Savings $20 $20 0.20%
Vacation Club* $10 $50 0.15%
Christmas Club* $10 $50 1.00%

Interest calculated on the daily balance, daily compounding, credited quarterly. $100 minimum required to open and earn interest on Passbook Savings or Statement Savings Accounts.
$20 minimum required to open and earn interest on Children's Savings Club and Senior Gold Savings. Fees could reduce the earnings on the account.
*Simple interest credited at maturity. Deposit at any time; withdrawals prior to maturity will require closure of account and forfeiture of interest. No service fee.

Individual Retirement Accounts
ProductMinimum Balance to Obtain APYAnnual Percentage Yield
IRA Statement Savings $20 0.15%

Interest calculated on the daily balance, daily compounding, and is credited quarterly. $20 minimum required to open and earn interest. Growth certificates of deposit are also investment options for IRAs.

Special Offers

TermMinimum BalanceAnnual Percentage Yield
Certificates of Deposit
2 Months* $10,000.00 0.40%
14 Months** $1,000.00 2.25%
27 Months** $1,000.00 2.75%
39 Months** $1,000.00 3.00%

*After funds have been on deposit for seven days, withdrawals are permitted at any time without penalty.
**Substantial penalty for early withdrawal.

TermAnnual Percentage Yield
Growth Certificates of Deposit
3 to 6 Months 1.00%
7 to 12 Months 1.30%
13 to 18 Months 1.60%
19 to 30 Months 2.25%
31 to 48 Months 2.40%
49 to 60 Months 3.00%

The minimum balance required to open a Growth Certificate of Deposit and obtain the APY is $500. A penalty may be imposed for early withdrawal. Interest is calculated on the daily balance, daily compounding, and credited quarterly.

TermAnnual Percentage Yield
Income Certificates of Deposit
6 Months 1.00%
12 Months 1.30%
18 Months 1.60%
30 Months 2.35%
60 Months 3.00%

The minimum balance required to open an Income Certificate of Deposit and obtain the APY is $5,000. A penalty may be imposed for early withdrawal. Interest is calculated on the daily balance, simple compounding, and credited on a monthly or quarterly basis.

Lending Rates

Home Equity Loans
TermAuto Pay RateAuto Pay APR*Coupon RateCoupon APR*
1 to 5 years 4.125% 4.194% 4.375% 4.445%
6 to 10 years 4.500% 4.538% 4.750% 4.789%
11 to 15 years 4.875% 4.903% 5.125% 5.154%
16 to 20 years 5.250% 5.274% 5.500% 5.524%

*APR = Annual Percentage Rate
Please note that the interest rates and APRs shown here are available to borrowers with an excellent credit history. The actual interest rates and APRs available to you will be based on credit score, debt to income ratio, and/or secondary market guidelines, and may be different than the interest rates and APRs displayed above.
Application fee (nonrefundable) $225 for loan amounts less than $250,000. Loan amounts equal to or greater than $250,000 require a complete appraisal report (FNMA 1004) which increases the application fee (nonrefundable) to $525.
Home equity rates and fees are for single family owner/occupied residences with LTV's up to 80%. For 1 to 4 non-owner occupied properties, and for inquiries on other types of properties, please contact the Consumer Loan Department at (610) 933-1000.

Home Equity Lines of Credit
ProductAuto Pay APR*Coupon APR*
Home Equity Line of Credit 4.99% 5.25%

*APR = Annual Percentage Rate
Please note that the interest rates and APRs shown here are available to borrowers with an excellent credit history. The actual interest rates and APRs available to you will be based on credit score, debt to income ratio, and/or secondary market guidelines, and may be different than the interest rates and APRs displayed above.
No Application fee applicable on this product. Minimum monthly payment is 1.5% of the month end balance or $50 minimum. Variable rate product subject to change daily with the APR based on the Wall Street Journal Prime Rate plus or minus a margin. Maximum APR is 18%. Rates, terms, fees and margins vary by loan property type, occupancy, LTV, loan amount and Coupon vs. Auto-pay. The rates above reflect the current rates for a single family, owner occupied residences for loan amounts less than $250,000.00 and LTV's up to 80%. Please contact the Retail Lending Department for further details at (610) 933-1000.

Mortgages
ProductRatePointsAPR*
15 Year 4.500% 0.00% 4.528%
20 Year 4.750% 0.00% 4.773%
30 Year 4.875% 0.00% 4.892%

* APR = Annual Percentage Rate
Please note that the interest rates and APRs shown here are available to borrowers with an excellent credit history. The actual interest rates and APRs available to you will be based on credit score, debt to income ratio, and/or secondary market guidelines, and may be different than the interest rates and APRs displayed above.
The non-refundable application fee is $500, which includes Appraisal, Credit Report & Flood Certification fees. Maximum loan to value is 95% for purchase and 80% for refinance. Based on:
• Loan amount
• Loan to value
• Purchase or refinance
Rates and fees are subject to change daily and are based on the rate in effect the day we receive a completed application, along with payment of the application deposit.
Completed applications may lock in their rate, which will be honored as long as they provide the remaining documentation to the Bank within two (2) business days. If an application remains incomplete, the interest rate will float until the application is considered complete by the Bank's Lending Department.
Mortgage rates are locked for a standard term of 45 business days from the date of application. Extended rate options and upfront fees are available.
Mortgage rates and fees are for single family owner/occupied residences. For inquiries on other types of properties or any other information, please contact the Loan Department at (610) 933-1000.

Consumer Loans
ProductTermAuto Pay APR*Coupon APR*
New Auto Loan 48 Month Maximum 5.75% 6.00%
Used Auto Loan 36 Month Maximum 6.750% 7.00%
Personal Loan - Unsecured Maximum $3,000 36 Month 14.25% 14.50%
Personal Loan - Unsecured Maximum $5,000 36 Month 13.25% 13.50%

* APR = Annual Percentage Rate
†Required down payment of 20%
Please note that the interest rates and APRs shown here are available to borrowers with an excellent credit history. The actual interest rates and APRs available to you will be based on credit score, debt to income ratio, and/or secondary market guidelines, and may be different than the interest rates and APRs displayed above.
**NOTICE**
From time to time changes are made to the content herein. We may make changes in the products and/or services described herein at any time without advising you.

 

Online Banking

Personalization Settings

Welcome

Phoenixville Federal Bank & Trust would like to personalize your banking experience. Please enter your first name below.

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to any other source.

Please do not remind again

x

Locations & Hours

Contact Us

Rates

News & Community Events

Accessibility

Back to Top