APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 06/15/2018. Fees may reduce earnings. All rates are subject to change without notice.

Deposit Rates  Loan Rates

Deposit Rates

Kasasa Cash*Learn More

Balance Minimum Opening Deposit Rate APY
0 - $10,000 $25 1.98% 2.00%
$10,000+ $25 0.20% 2.00% to 0.36%
All balances if qualifications not met $25 0.01% 0.01%

Qualifications

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle: 

  • At least 1 direct deposit, ACH credit, or ACH payment transaction(s)
  • At least 12 debit card purchases

That's it. If you don't qualify, don't worry. Your Kasasa Cash account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month!

Kasasa Saver*Learn More

Balance Minimum to Open Rate APY
0 - $50,000 $25 0.74% 0.75%
$50,000+ $25 0.20% 0.75% to 0.38%
All balances if qualifications not met $25 0.01% 0.01%

Qualifications

Qualifying for your Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle: 

  • At least 1 direct deposit, ACH credit, or ACH payment transaction(s)
  • At least 12 debit card purchases

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month!

Certificates of Deposit*Learn More

Term Interest Rate APY Min. Balance to Obtain APY Min. Deposit
91 Day 0.25% 0.25% $1,000.00 $1,000.00
182 Day 0.50% 0.50% $1,000.00 $1,000.00
12 Month 0.75% 0.75% $1,000.00 $1,000.00
18 Month 0.90% 0.90% $1,000.00 $1,000.00
24 Month 0.95% 0.95% $1,000.00 $1,000.00
30 Month 1.00% 1.00% $1,000.00 $1,000.00
36 Month 1.20% 1.20% $1,000.00 $1,000.00
48 Month 1.49% 1.50% $1,000.00 $1,000.00
60 Month 1.64% 1.65% $1,000.00 $1,000.00
17 Month SPECIAL 1.79% 1.80% $1,000.00 $1,000.00
25 Month SPECIAL 1.94% 1.95% $1,000.00 $1,000.00
37 Month SPECIAL 2.04% 2.05% $1,000.00 $1,000.00
49 Month SPECIAL 2.13% 2.15% $1,000.00 $1,000.00
61 Month SPECIAL 2.23% 2.25% $1,000.00 $1,000.00

*Contact us at 888-716-7587 for relationship rates.

Penalty for early withdrawals applies.

Checking Accounts

Account Interest Rate APY Min. Balance to Obtain APY
Bonus Checking 0.05% 0.05% $500.01

Bonus Checking has a $500.01 minimum balance to open account.

Individual Retirement Accounts (Fixed Rate)*Learn More

Term Interest Rate APY Min. Balance to Obtain APY Min. Deposit
91 Day 0.25% 0.25% $100.00 $10.00
182 Day 0.50% 0.50% $100.00 $10.00
12 Month 0.75% 0.75% $100.00 $10.00
18 Month 0.90% 0.90% $100.00 $10.00
24 Month 0.95% 0.95% $100.00 $10.00
30 Month 1.00% 1.00% $100.00 $10.00
36 Month 1.20% 1.20% $100.00 $10.00
48 Month 1.49% 1.50% $100.00 $10.00
60 Month 1.64% 1.65% $100.00 $10.00
17 Month SPECIAL 1.79% 1.80% $100.00 $10.00
25 Month SPECIAL 1.94% 1.95% $100.00 $10.00
37 Month SPECIAL 2.04% 2.05% $100.00 $10.00
49 Month SPECIAL 2.13% 2.15% $100.00 $10.00
61 Month SPECIAL 2.23% 2.25% $100.00 $10.00

*Contact us at 888-716-7587 for relationship rates.

Your interest rate and annual percentage yield may change. A substantial penalty for early withdrawal may apply.

Individual Retirement Accounts (Variable Rate)Learn More

Term Interest Rate APY Min. Balance to Obtain APY Min. Deposit
18 Month 0.90% 0.90% $100.00 $10.00
Your interest rate and annual percentage yield may change. A substantial penalty for early withdrawal may apply.

Money MarketLearn More

Min. Balance to Obtain APY Interest Rate APY
$100 0.20% 0.20%
$2,500.01 0.25% 0.25%
$25,000.01 0.30% 0.30%
$100,000.01 0.35% 0.35%

Transaction limitations apply. The minimum balance to avoid a service fee is $2500.00. Rate is variable and can change at any time.

Savings AccountsLearn More

Account Interest Rate APY Min. Balance to Obtain APY
Passbook Savings 0.10% 0.10% $100.00
Statement Savings 0.10% 0.10% $100.01
Christmas Club 0.10% 0.10% $10.00
Vacation Club 0.10% 0.10% $10.00

Your interest rate and annual percentage yield may change.

- For Christmas Club, an additional .25% interest rate when funds are transferred to a PennCrest BANK checking or saving account upon maturity. Penalty for early withdrawals applies.

- For Vacation Club, an additional .25% interest rate when funds are transferred to a PennCrest BANK checking or saving account upon maturity. Penalty for early withdrawals applies.

Loan Rates

Auto LoansLearn More

Loan Type Term in Months APR Payment per $1,000
New Automobile 60 3.490% $18.19
New Automobile 66 3.490% $16.67
New Automobile 72 3.490% $15.41
Used Automobile 72 3.490% $15.41

 

Home Equity LoansLearn More

Term in Months APR Payment per $1,000
36 3.490% $29.30
60 3.490% $18.19
120 3.990% $10.12
180 4.240% $7.52
240 4.490% $6.32

 

Rate requires monthly payments to be automatically drafted from PennCrest BANK checking account. (Other rates and terms available)

- For 181-240 Months Term, Subordinate Lien position only

 

Home Equity Lines of CreditLearn More

Term Introductory APR Fully Indexed APR
Revolving 3.740% 4.750%

 

APR = Annual Percentage Rate. APR is variable, and may increase after consummation. Introductory Rate applicable for the first six billing cycles of the account.

- For a Home Equity Line of Credit, It can be up to 80% of appraised value. The borrower required to pay a $415.75 closing fee if account is closed within two years of origination date.

- Fully Indexed Interest Rate APR is variable, and may increase after consummation, up to a maximum of 18%.

Personal Lines of CreditLearn More

Loan Type Term in Months Introductory APR Fully Indexed APR
Personal Line of Credit Revolving 6.740% 10.000%
Overdraft Line of Credit Revolving N/A 10.000%

 

APR is variable, and may increase after consummation. Introductory Rate applicable for the first six billing cycles of the account.

- Fully Indexed Interest Rate APR is variable, and may increase after consummation, up to a maximum of 18%.

Mortgage LoansLearn More

Type Interest Rate APR Points Payment per $1,000
10-Year Fixed Rate 3.875% 3.908% 0 $10.07
15-Year Fixed Rate 4.000% 4.023% 0 $7.40
20-Year Fixed Rate 4.375% 4.393% 0 $6.26
30-Year Fixed Rate 4.500% 4.513% 0 $5.07
1 Year Adjustable Rate 3.125% 4.936% 1 $4.28
1 Year Adjustable Rate 3.250% 4.860% 0 $4.35

 

Mortgage interest rates may vary throughout the day. To get the most current rates please contact your nearest PennCrest BANK location or call toll-free 1-888-716-7587.

- Loan amounts up to $453,100. 20% down payment or equity required. Rate requires monthly payments to be automatically drafted from PennCrest BANK checking account. (Other rates and terms available).

- For 1 Year Adjustable Rates, APR is variable and may increase after closing.

- For First Time Homebuyers, stop by your nearest PennCrest branch office or call for full program details.

Biweekly Mortgage LoansLearn More

Type Interest Rate APR Points Payment per $1,000
10-Year Fixed Rate 3.750% 3.776% 0 $10.01
15-Year Fixed Rate 3.875% 3.890% 0 $7.33
20-Year Fixed Rate 4.250% 4.258% 0 $6.19
30-Year Fixed Rate 4.375% 4.378% 0 $4.99

 

Mortgage interest rates may vary throughout the day. To get the most current rates please contact your nearest PennCrest BANK location or call toll-free 1-888-716-7587.

- Loan amounts up to $453,100. 20% down payment or equity required. Rate requires bi-weekly payments to be automatically drafted every 14 days from a PennCrest BANK checking account. This allows the loan to payoff at a faster amortization. (Other rates and terms available).

Personal LoansLearn More

Product Term in Months Interest Rate/APR Payment per $1,000
Secured Installment Loan 60 4.490% $18.64
Unsecured Installment Loan 60 6.490% $19.56
Share Loan Interest Only 2.000%  

 

For both Secured & Unsecured Installment Loans, the rate requires monthly payments to be automatically drafted from PennCrest BANK checking account. (Other rates and terms available). APR, terms and conditions may vary based on qualifications.

- For Share Loan, APR is variable and may increase after consummation. The APR is above the collateral rate.