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CHECKING RATES
RETAIL DEPOSIT RATES
| Retail rates effective 03/08/2010 to 03/14/2010 and subject to change without notice. | |||
| RETAIL CHECKING ACCOUNT RATES | |||
| Type of Account |
Minimum Balance To Earn Interest |
Annual
Percentage Yield (APY) |
|
| KNBT Interest Checking | <$500 | 0.00% | |
| $500 - $4,999 | 0.04% | ||
| $5,000 - $9,999 | 0.05% | ||
| $10,000 - $24,999 | 0.05% | ||
| $25,000 - $49,999 | 0.08% | ||
| $50,000+ | 0.15% | ||
| KNBT ValuePlus Checking | N/A | 0.04% | |
| The
interest rates quoted above are for variable-rate accounts and subject
to change at any time after the account is opened. Monthly fees may apply and may affect the Annual Percentage Yield (APY). |
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MONEY MARKET
| Retail rates effective 03/08/2010 to 03/14/2010 and subject to change without notice.
|
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| RETAIL MONEY MARKET ACCOUNT RATES | |||
| Type of Account |
Minimum Balance To Earn Interest |
Annual Percentage Yield (APY) |
KNBT Money Market Account1 |
| $1,000 - $24,999 | 0.18% | ||
| $25,000 - $99,999 | 0.28% | ||
| $100,000+ | 0.75% | ||
| KNBT Premium Money Market1 | $10,000 - $49,999 | 0.30% | |
| $50,000 - $99,999 | 0.30% | ||
| $100,000 - $249,999 | 0.72% | ||
| $250,000 - $499,999 | 0.72% | ||
| $500,000 - $999,999 | 0.72% | ||
| $1,000,000+ | 0.89% | ||
| The
interest rates quoted above are for variable-rate accounts and are
subject to change at any time after the account is opened. 1 Monthly fees may apply and may affect the Annual Percentage Yield (APY). |
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CD RATES
| Retail rates effective 03/08/2010 to 03/14/2010 and subject to change without notice. | ||
| RETAIL CD & IRA ACCOUNT RATES | ||
| Fixed Rate CD Terms | Minimum Balance to earn interest |
Annual
Percentage Yield (APY) |
| 60 Month CD Special | $500 | 2.75% |
| 30 Month CD Special | $500 | 2.00% |
| 13 Month CD Special | $500 | 1.40% |
| 8-Month Ready Access CD** | $500 | 0.60% |
| Fixed Rate IRA Terms | Minimum Balance to earn interest |
Annual
Percentage Yield (APY) |
| 13 Month IRA Special | $500 | 1.40% |
| 30 Month IRA Special | $500 | 2.00% |
| 60 Month IRA Special | $500 | 2.75% |
| 50 Month IRA Special | $500 | 3.00% |
| IRA Savings Account | $25 | 0.08% |
| Minimum deposit $500; maximum amount is $250,000 and penalty imposed for early withdrawal. All rates, terms, and conditions are subject to change without notice. Cannot be combined
with any other coupons or special offers.
**Annual Percentage Yield (APY) is accurate as of the dates shown and available to retail and business customers. Minimum deposit of $500; no maximum. Not applicable for an IRA. Upon maturity, the CD will automatically renew into a similar term CD at the rate that is current at the time of renewal unless you direct us otherwise. Funds for the Ready Access CD must remain on deposit at least seven days, after which a full withdrawal of the principal balance plus accrued interest is allowable without penalty. A withdrawal prior to maturity will reduce earnings. |
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LOAN RATES
| Retail Mortgage Rates - as a division of National Penn Bank, this link will direct you to National Penn's Web site for details and a listing of our mortgage rates. | |||||
| Consumer loan rates effective 03/08/2010 to 03/14/2010 | |||||
| CONSUMER LOAN RATES | |||||
|
Loan Type |
Term (Months) |
Biweekly Auto Debit
Annual Percentage Rate (APR) |
Auto Debit
Monthly
|
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| Home Equity Loans1 $10,000 Minimum |
12-36 Months | 5.240% | 5.375% | Apply Now! | |
| 37-60 Months | 5.740% | 5.875% | |||
| 61-108 Months | 5.875% | 6.000% | |||
| 109-120 Months | 5.900%* | 6.000%** | |||
| 121-180 Months | 6.600% | 6.750% | |||
| 181-240 Months | 6.740% | 6.875% | |||
|
Examples of typical payment terms: |
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| Auto Loan For NEW Vehicles2 | 12-36 Months | 6.99% | 7.24% | Apply Now! | |
| 37-60 Months | 7.24% | 7.49% | |||
| 61-72Months | 7.99% | 8.24% | |||
| Auto Loan For USED Vehicles2 | 60 Months (1-3 years old) |
7.74% | 7.99% | Apply Now! | |
| Loan Type | Term | APR3 | |||
| Line of Credit | Revolving | Prime
+ 0.00% for the life of the loan minimum 4.25% |
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| 1 Above Annual Percentage Rates (APRs) on fixed-rate Home Equity Loans already reflect rate discount when payments are automatically deducted from a KNBT Checking Account. APRs are based on loans with up to 80% loan-to-value with a minimum loan amount of $5,000. Other attractive rates available for loans up to 100% loan-to-value. Ask us for details.
Rates apply to existing KNBT Home Equity Loans/Lines refinanced with an additional $5,000 in new money. Loans for single-family and 2-4 unit, owner-occupied homes in the KNBT market area with property insurance. Consult tax advisor for deductibility of interest. 2 Above Annual Percentage Rates (APRs) on fixed-rate new or used Auto Loans already reflect rate discount when payments are automatically deducted from a KNBT Checking Account. Minimum loan amount is $1,000. Financing of new autos for 60 months and longer require a $15,000 minimum loan amount. Certain model year restrictions may apply for Used Auto Loans - Max term 60 months for 1-3 year old models; 48 months for 4-5 year old models; 36 months for 6-7 year old models - loan amounts of < $3,500. 3 Minimum $5,000 line amount. Variable rate line of credit secured by the primary residence and not exceeding 80% loan to value ratio. The advertised 3.25% APR (Annual Percentage Rate) applies to new lines of credit of $5,000 or more. The APR will be based on the Wall Street Journal Prime (WSJP)as published daily plus 0%, or the minimum APR of 4.25% whichever is greater. Collateral must be owner-occupied, personal residence. Line increases: Must be
minimum of $5,000 increase to qualify for additional fee waiver. Decreases, rewrites at same line amount, and increases of less than $5,000 require collection of additional fees. |
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