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Monday, Tuesday, Wednesday, Friday:
9:00 a.m. - 5:00 p.m.
Thursday:
9:00 a.m. - 6:00 p.m.




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Loan Rates

HOME EQUITY LINE OF CREDIT
| Loan |
Term |
APR as low as* |
Notes |
| HOME EQUITY LINE OF CREDIT |
REVOLVING |
|
Adjusted quarterly based on Prime Rate plus a "margin". That margin may be as low as 0%, but your margin may vary based on your credit score at time of application. There is a $150 application / appraisal fee. Maximum amount: 80% of appraised value. |
*APR=Annual Percentage Rate.
Your actual rate is based on your FICO/Emperica credit risk score.
[More on HOME EQUITY LINE OF CREDIT] | [Return to top of page].
HOME EQUITY LOAN (FIXED RATE)
| Loan |
Term |
APR as low as* |
Notes |
| HOME EQUITY |
01-05 YR |
5.50% |
Based upon appraisal by a Pa. State Certified Appraiser, maximum amount up to 80% of the appraised value. There is a $150 application/appraisal fee. |
| HOME EQUITY |
06-10 YR |
6.25% |
Based upon appraisal by a Pa. State Certified Appraiser, maximum amount up to 80% of the appraised value. There is a $150 application/appraisal fee. |
| HOME EQUITY |
11-20 YR |
7.00% |
Based upon appraisal by a Pa. State Certified Appraiser, maximum amount up to 80% of the appraised value. There is a $150 application/appraisal fee. |
*APR=Annual Percentage Rate.
Your actual rate is based on your FICO/Emperica credit risk score.
[More on HOME EQUITY LOAN (FIXED RATE)] | [Return to top of page].
FIRST MORTGAGE LOANS
| Loan |
Term |
APR as low as* |
Notes |
| 1 YR ADJUSTABLE (ARM) |
Up to 30 YR |
4.75% |
Up to 80% of appraised value. First year rate is shown. After that, APR is based on 1-year T-Bill plus a "margin". The lowest margin is 1.75%, but your margin may vary based on your Credit Score at time of application. In any event, APR would rise or fall no more than 1% per year; Minimum APR (over life of loan): your initial rate; Maximum APR (over life of loan): 5% above the initial rate. 1 Point. $350 application fee. Title insurance required. |
| 5 YR FIXED RATE BALLOON MORTGAGE |
Up to 30 YR |
5.25% |
1 point. Up to 80% of appraised value. $350 application fee. Title insurance required. |
| 5 YR FIXED RATE BALLOON MORTGAGE (No points) |
Up to 30 YR |
5.75% |
No points. Up to 80% of appraised value. $350 application fee. Title insurance required. |
*APR=Annual Percentage Rate.
Your actual rate is based on your FICO/Emperica credit risk score.
[More on FIRST MORTGAGE LOANS] | [Return to top of page].
BRIDGE LOANS
| Loan |
Term |
|
Notes |
| BRIDGE LOAN |
1 YR |
|
APR* as low as Prime + 1%. $275 fees. Interest-only payments made monthly. Principal due at end of term. |
*APR=Annual Percentage Rate.
Your actual rate is based on your FICO/Emperica credit risk score.
[More on BRIDGE LOANS] | [Return to top of page].
VEHICLE LOANS
| Loan |
Term |
APR as low as* |
Notes |
| NEW Vehicles |
1-4 YR |
4.95% |
Up to 100% (for those who qualify) of the sales price (EXCLUDING tax, tags, etc.) |
| NEW Vehicles |
5 YR |
5.95% |
Up to 100% (for those who qualify) of the sales price (EXCLUDING tax, tags, etc.) |
| NEW Vehicles |
6 YR |
6.50% |
Up to 100% (for those who qualify) of the sales price (EXCLUDING tax, tags, etc.) |
| USED Vehicles (2003, 2004, 2005 Models) |
1-4 YR |
6.25% |
For up to 100% (for those who qualify) of NADA retail vehicle value (EXCLUDING tax, tags, etc.) |
| USED Vehicles (2003, 2004, 2005 Models) |
5 YR |
6.75% |
For up to 100% (for those who qualify) of NADA retail vehicle value (EXCLUDING tax, tags, etc.) Loan must be for $15,000 or more. |
| USED Vehicles (2006, 2007 Models) |
1-4 YR |
5.95% |
For up to 100% (for those who qualify) of NADA retail vehicle value (EXCLUDING tax, tags, etc.) |
| USED Vehicles (2006, 2007 Models) |
5 YR |
6.25% |
For up to 100% (for those who qualify) of NADA retail vehicle value (EXCLUDING tax, tags, etc.) Loan must be for $15,000 or more. |
*APR=Annual Percentage Rate.
Your actual rate is based on your FICO/Emperica credit risk score.
[More on VEHICLE LOANS] | [Return to top of page].
PERSONAL LOANS
| Loan |
Term |
APR as low as* |
Notes |
| UNSECURED |
1-3 YR |
11.50% |
Minimum loan amount of $500 per individual. Maximum amount of $5,000 per individual, $10,000 with two signatures. |
| UNSECURED |
4-5 YR |
12.750% |
Minimum loan amount of $500 per individual. Maximum amount of $5,000 per individual, $10,000 with two signatures. |
*APR=Annual Percentage Rate.
Your actual rate is based on your FICO/Emperica credit risk score.
[More on PERSONAL LOANS] | [Return to top of page].
PLEDGED SHARE LOANS
| Loan |
Term |
|
Notes |
| PLEDGED |
1-5 YR |
|
APR* as low as 4% above collateral rate (the interest rate you are earning on the account or certificate you are pledging as collateral for the loan). |
*APR=Annual Percentage Rate.
Your actual rate is based on your FICO/Emperica credit risk score.
[More on PLEDGED SHARE LOANS] | [Return to top of page].
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