Rates

Lending Rates

*APR denotes Annual Percentage Rate
Want to use your home's equity for home improvements, debt consolidation, purchase additional real estate, college education, and more? With a home equity loan from PFB&T, you can. You'll enjoy competitive, fixed rates, an easy application process, and potential tax benefits. Please consult a qualified tax advisor to determine if interest may be tax deductible. The actual interest rates and APRs available to you are subject to credit approval, including; credit score, debt to income ratio, and/or secondary market guidelines, and may be different than the interest rates and APRs displayed above. Home equity rates are for single-family, owner-occupied residences and second homes. The property cannot be owned by a Trust. Maximum LTV = 80%. No application fees. Estimated closing costs $243.75 ($122.75-$450.00 recording fee, & $121.00-$250.00 tax monitoring fee).   

With a home equity loan you'll have a fixed interest rate and a fixed, predictable monthly P&I payment, for the entire term (1-20 year repayment terms) of the loan.  You receive the money you are borrowing in one lump sum payment upfront.  

For 1 to 4 family investment real estate (non-owner occupied properties) please contact the Consumer Loan Department at (610) 933-1000.

*APR denotes Annual Percentage Rate
Want to use your home's equity for home improvements, debt consolidation, purchase additional real estate, college education, and more? With a home equity line of credit (HELOC) from PFB&T, you can. You'll enjoy a variable interest rate that offers affordable interest only payments, an easy application process, and potential tax benefits. Please consult a qualified tax advisor to determine if interest may be tax deductible. Auto Pay Rate assumes that the monthly payment will be made from an existing or new checking account with PFB&T. The actual interest rates and APRs available to you are subject to credit approval, including; credit score, debt to income ratio, and/or secondary market guidelines, and may be different than the interest rates and APRs displayed above. Maximum APR is 18%. HELOC rates are for single-family, owner-occupied residences and second homes. The property cannot be owned by a Trust. Maximum LTV = 80%. No application fees. Estimated closing costs $243.75 ($122.75-$450.00 recording fee & $121.00-$250.00 tax monitoring fee).   

With a HELOC you'll have a variable rate. The variable rate based off of a publicly available index, prime rate, as published in the Wall Street Journal, which is currently 8.50%. The variable interest rate will be equal to the prime rate minus .26% (margin) if you opt to have the monthly payment to be Auto Pay from a new or existing deposit account with PFB&T or prime rate if you opt to pay the monthly payment with the monthly statement/coupon.     

With a HELOC, you draw money from the line of credit as needed during the draw period. You can make multiple withdrawals during this time, up to your maximum credit line. The draw period lasts 15 years.   

Your payment is an interest only payment based on the outstanding balance each month.

The repayment period gives you 15 years from the maturity date (the expiration of the draw period) to repay the balance.  

For 1 to 4 family investment real estate (non-owner occupied properties) please contact the Consumer Loan Department at (610) 933-1000. 

* APR denotes Annual Percentage Rate. Rates are effective for 90 days from application.
The actual interest rates and APRs available to you are subject to credit approval, including; 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 $501, which includes Appraisal, Credit Report & Flood Certification fees. Maximum loan to value is 95% for purchase and 90% 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 90 business days from the date of application. Extended rate options and upfront fees are available.
Mortgage rates and fees are for owner-occupied residences only. The property cannot be owned by a Trust. For inquiries on other types of properties or any other information, please contact the Loan Department at (610) 933-1000.

Deposit Rates

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.

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.

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.

$10 minimum to open and $50 minimum to obtain APY on Christmas Club Accounts and Vacation Club Accounts. 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.

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

Special Offers

*The minimum balance required to open and obtain the APY is $10,000. Interest is calculated on the daily balance, daily compounding, and credited at maturity. After funds have been on deposit for seven days, withdrawals are permitted at any time without penalty. 

**The minimum balance required to open and obtain the APY is $1,000. Interest is calculated on the daily balance, daily compounding, and credited quarterly. Substantial penalty for early withdrawal. Fees could reduce the earnings on the account.

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. Fees could reduce the earnings on the account.

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 interest, and credited on a monthly or quarterly basis. Fees could reduce the earnings on the account.

**NOTICE**

Please note that the Annual Percentage Yields (APYs) shown here are accurate as of the current date.