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Deposit Rates

Interest Bearing Checking Accounts
Product Balance to Obtain APY Annual Percentage Yield
Premium Interest $.01 to $2,499.99 0.05%
  $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
Balance Annual 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
Product Minimum Deposit to Open Minimum Balance to Obtain APY Annual 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 0.15%
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
IRA Statement Savings Minimum Balance to Obtain APY Annual 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
Certificates of Deposit
Term Minimum Balance Annual Percentage Yield
2 Months* $10,000.00 0.40%
14 Months** $1,000.00 1.25%
27 Months** $1,000.00 1.40%
39 Months** $1,000.00 1.55%
*After funds have been on deposit for seven days, withdrawals are permitted at any time without penalty.
**Substantial penalty for early withdrawal.
Growth Certificates of Deposit
Term Annual Percentage Yield
3 to 6 Months 0.25%
7 to 12 Months 0.40%
13 to 18 Months 0.55%
19 to 30 Months 0.85%
31 to 48 Months 1.10%
49 to 60 Months 1.75%
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.
Income Certificates of Deposit
Term Annual Percentage Yield
6 Months 0.20%
12 Months 0.40%
18 Months 0.70%
30 Months 1.10%
60 Months 1.75%
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
Term Auto Pay Coupon
  Rate APR* Rate 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
  Auto Pay APR* Coupon APR*
Home Equity Line of Credit 3.990% 4.250%
*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 (Fixed & Adjustable)
Product Rate Points APR*
30 Year 5/1  ARM CAPS 2/5 3.500% 0.00% 3.665%
10 Year 3.625% 0.00% 3.664%
15 Year 3.750% 0.00% 3.777%
20 Year 3.875% 0.00% 3.896%
30 Year 4.125% 0.00% 4.141%
* 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 97% 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
  Auto Pay Coupon
Product Term APR* APR*
New Auto Loan† 48 Month Maximum  5.750% 6.000%
Used Auto Loan†

36 Month Maximum

6.750% 7.000%

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.

Phoenixville Office

Phoenixville Office

P.O. Box 708
120 Main Street
Phoenixville, PA 19460-0708
610.933.1171
610.933.1176 (fax)

hours & directions

Royersford Office

Royersford Office

70 North Lewis Road
Royersford, PA 19468-2108
610.948.6100
610.948.5376 (fax)

hours & directions

Collegeville Office

Collegeville Office

74 Second Avenue (Rt. 29)
Collegeville, PA 19426-2648
610.489.6067
610.489.0342 (fax)

hours & directions

Pikeland Office

Pikeland Office

P.O. Box 1046
533 Kimberton Road
Kimberton, PA 19442
610.935.8301
610.935.3636 (fax)

hours & directions

Wealth Management

Wealth Management

P.O. Box 1046
533 Kimberton Road
Kimberton, PA 19442
610.935.8304
610.415.0149 (fax)

hours & directions

 

Limerick Office

Limerick Office

451 W. Ridge Pike, Ste. 201
Limerick, PA 19468
610.495.0790
610.495.0792 (fax)

hours & directions

Community Lending Office

Community Lending Office

P.O. Box 629
564 Nutt Road
Phoenixville, PA 19460
610.933.1000
 

hours & directions

Administrative Campus

Administrative Campus

P.O. Box 629
564 Nutt Road
Phoenixville, PA 19460
610.935.4555

Accounting - 610.933.1000

E-Banking - 610.933.1000

hours & directions

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