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Five Year Lock

  • The 1.99% APR is locked for the first 12 months; then converts to a rate lock of 4.99% APR for the next 48 months
  • The remaining advance and repayment period would then be variable at Wall Street Journal Prime plus a margin of .74%
  • Offer is valid with auto draft of payment from a checking or statement savings account
  • Term includes a ten (10) year draw period, followed by a ten (10) year repayment period
  • Collateral for the line of credit must be your primary residence
  • Title Insurance may be required on requests over $250,000 and the fee will be paid by the borrower
  • All fees waived, unless an appraisal is needed
  • We will consider a loan to value (LTV) up to 90%
  • For properties located in the state of Maryland, mortgage recordation taxes will be paid by the borrower.
  • Other rates and terms are available

*5 Year Lock – Home Equity Line of Credit.
Application must be made March 1, 2019 through June 30, 2019, but is subject to change without notice.

  • The 1.89% APR is locked for the first 12 months; then converts to a rate lock of 4.99% APR for the next 48 months
  • The remaining advance and repayment period would then be variable at Wall Street Journal Prime plus a margin of .74% rate
  • As of February 25, 2019, the variable APR is based upon The Wall Street Journal Prime Rate plus .74% was 6.24%
  • The maximum APR is 18.00% and maximum (LTV) up to 90%
  • Collateral for the line of credit must be your primary residence and must be located in the ACNB or NWSB Bank service area
  • Your minimum payments may not be sufficient to fully repay the principal that is outstanding on your line at the end of the term. If they are not, you will be required to pay the entire outstanding balance in a single payment
  • The prepayment penalty for home equity lines of credit terminated in the first 36 months is 2% of the credit limit or $350, whichever is less
  • Payment must be automatically deducted from an ACNB or NWSB Bank checking or statement savings account
  • Fees (Flood Certification, Lien Search, Automated Valuation Model (AVM), Property Condition Report (PCR) and mortgage recording) will be waived if the applicant has or opens an ACNB or NWSB Bank checking or Statement Savings account with recurring direct deposits.
  • For those applicants that do not have direct deposit, Fees (Flood Certification, Lien Search, Automated Valuation Model (AVM), Property Condition Report (PCR) and mortgage recording) will be waived if the applicant has or opens an ACNB or NWSB Bank checking account and completes, within the first 60 days:
    1. 10 Point of Sale transactions and
    2. Enrollment in online banking
    3. If the requirements are not met within the first 60 days, the loan fees will be added to the principal balance of the loan
  • Subject to appraisal requirements
  • For properties located in the state of Maryland, mortgage recordation taxes will be paid by the borrower
  • Appraisal, Title Insurance and Maryland Recordation Tax fees will not be waived and the applicant will be responsible for these costs.
  • Other rates and terms are available

See Rates & Terms

Need help with your online application? Call our Contact Center!

1.888.334.2262

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Saturday: 8am-1pm (EST)

At the Bank’s discretion, interest rates and terms may change at any time without notice.

  • Home Equity Loan

  • Home Equity Installment
    • Maximum loan term is 240 months with a fixed APR based on the term - See Rates & Terms below
    • Minimum loan amount is $3,500
    • Collateral for the loan must be your primary residence
    • Title Insurance may be required on requests over $250,000
    • All fees are charged
    • For properties located in the state of Maryland, mortgage recordation taxes will be paid by the borrower
    • We will consider a loan to value (LTV) up to 90%

    *10 Year Fixed Rate Home Equity Loan.
    Application must be made March 1, 2019 through June 30, 2019, but is subject to change without notice.

    • APR is fixed at 4.74% with a minimum loan amount of $3,500
    • Maximum loan term for this special offer is 120 months
    • Collateral for the loan must be your primary residence and must be located in the ACNB or NWSB Bank service area
    • Payment must be automatically deducted from an ACNB or NWSB Bank checking or statement savings account
    • Fees (Flood Certification, Lien Search, Automated Valuation Model (AVM), Property Condition Report (PCR) and mortgage recording) will be waived if the applicant has or opens an ACNB or NWSB Bank checking or Statement Savings account with recurring direct deposits
    • For those applicants that do not have direct deposit, fees (Flood Certification, Lien Search, Automated Valuation Model (AVM), Property Condition Report (PCR) and mortgage recording) will be waived if the applicant has or opens an ACNB or NWSB Bank checking account and completes, within the first 60 days:
      1. 10 Point of Sale transactions and
      2. Enrollment in online banking
      3. If the requirements are not met within the first 60 days, the loan fees will be added to the principal balance of the loan
    • Subject to appraisal requirements
    • For properties located in the state of Maryland, mortgage recordation taxes will be paid by the borrower
    • Appraisal, Title Insurance and Maryland Recordation Tax fees will not be waived and the applicant will be responsible for these costs.
    • We will consider a loan to value (LTV) up to 90%
    • Other rates and terms are available

    See Rates & Terms

  • Unsecured

  • Personal Loan
    • Loan approvals are good for 30 days from the date of approval.
    • Depending on collateral, terms range from one month to 84 months.
    • Must have a stated purpose for this type of loan.
    • A $35 nonrefundable processing fee is required on this loan type.

    Vacation Loan Special

    • Available from 06/10/19 – 07/31/19
    • Promotional rate of 7.99% APR
    • Customers can borrow up to $7,500 for up to 60 months
    • Payments must be automatically deducted from an ACNB or NWSB Checking or Statement Savings account
    • Refinancing of existing ACNB or NWSB bank loans is prohibited
    • The $35 app fee is waived
    • No collateral is required
    • Other rates and terms are available

    See Rates & Terms

  • Home Equity Credit Line

  • Five Year Lock
    • The 1.99% APR is locked for the first 12 months; then converts to a rate lock of 4.99% APR for the next 48 months
    • The remaining advance and repayment period would then be variable at Wall Street Journal Prime plus a margin of .74%
    • Offer is valid with auto draft of payment from a checking or statement savings account
    • Term includes a ten (10) year draw period, followed by a ten (10) year repayment period
    • Collateral for the line of credit must be your primary residence
    • Title Insurance may be required on requests over $250,000 and the fee will be paid by the borrower
    • All fees waived, unless an appraisal is needed
    • We will consider a loan to value (LTV) up to 90%
    • For properties located in the state of Maryland, mortgage recordation taxes will be paid by the borrower.
    • Other rates and terms are available

    *5 Year Lock – Home Equity Line of Credit.
    Application must be made March 1, 2019 through June 30, 2019, but is subject to change without notice.

    • The 1.89% APR is locked for the first 12 months; then converts to a rate lock of 4.99% APR for the next 48 months
    • The remaining advance and repayment period would then be variable at Wall Street Journal Prime plus a margin of .74% rate
    • As of February 25, 2019, the variable APR is based upon The Wall Street Journal Prime Rate plus .74% was 6.24%
    • The maximum APR is 18.00% and maximum (LTV) up to 90%
    • Collateral for the line of credit must be your primary residence and must be located in the ACNB or NWSB Bank service area
    • Your minimum payments may not be sufficient to fully repay the principal that is outstanding on your line at the end of the term. If they are not, you will be required to pay the entire outstanding balance in a single payment
    • The prepayment penalty for home equity lines of credit terminated in the first 36 months is 2% of the credit limit or $350, whichever is less
    • Payment must be automatically deducted from an ACNB or NWSB Bank checking or statement savings account
    • Fees (Flood Certification, Lien Search, Automated Valuation Model (AVM), Property Condition Report (PCR) and mortgage recording) will be waived if the applicant has or opens an ACNB or NWSB Bank checking or Statement Savings account with recurring direct deposits.
    • For those applicants that do not have direct deposit, Fees (Flood Certification, Lien Search, Automated Valuation Model (AVM), Property Condition Report (PCR) and mortgage recording) will be waived if the applicant has or opens an ACNB or NWSB Bank checking account and completes, within the first 60 days:
      1. 10 Point of Sale transactions and
      2. Enrollment in online banking
      3. If the requirements are not met within the first 60 days, the loan fees will be added to the principal balance of the loan
    • Subject to appraisal requirements
    • For properties located in the state of Maryland, mortgage recordation taxes will be paid by the borrower
    • Appraisal, Title Insurance and Maryland Recordation Tax fees will not be waived and the applicant will be responsible for these costs.
    • Other rates and terms are available

    See Rates & Terms

  • Variable Rate
    • Initial APR is fixed at 2.24% (with auto draft) for the first twelve (12) months; then variable APR based on Wall Street Journal Prime plus a margin
    • Collateral for the line of credit must be your primary residence
    • Title Insurance required on requests over $250,000 and the fee will be paid by the borrower
    • We will consider a loan to value (LTV) up to 90%
    • Term includes a ten (10) year draw period, followed by a ten (10) year repayment period
    • For properties located in the state of Maryland, mortgage recordation taxes will be paid by the borrower.
    • Any additional fees will be paid by the borrower
    • Other rates and terms are available

    See Rates & Terms

  • Credit Line

  • My Money Line
    • Minimum line amount is $2,500
    • Initial APR with a $2,500 initial new money advance is fixed for 6 months, then is a variable APR based on Wall Street Journal Prime plus a margin.  If no initial new money advance is taken, the APR is variable based on Wall Street Journal Prime plus a margin.
    • Term is a 4 year draw period, with a 4 year repayment.
    • Loan approvals are good for 30 days from the date of approval.
    • No collateral is needed.
    • A $35 processing fee is required on this loan type.

    See Rates & Terms

  • Auto

  • New Auto
    • Loan approvals are good for 30 days from the date of approval.
    • Eligible vehicles are current model year and newer.
    • If current model year, must have 12,000 miles or less to be financed as new.
    • Maximum Loan-to-Value is 100% of the purchase price.
    • Maximum loan term is 72 months, with a minimum loan amount of $1,000.
    • Full auto insurance coverage is required.

    See Rates & Terms

  • Used Auto
    • Loan approvals are good for 30 days from the date of approval.
    • Maximum age of vehicle is 7 years.
    • Salvaged vehicles are not considered acceptable collateral.
    • Maximum Loan-to-Value is 90% of the purchase price or retail value as found in the NADA Book.
    • Maximum loan term is 60 months, with a minimum loan amount of $1,000.
    • Full auto insurance coverage is required.

    See Rates & Terms

  • Student Credit

  • Extra-Credit Student Line of Credit: Unsecured
    • Minimum credit line amount is $2,500
    • Term is a 60 month draw period with a 120 month repayment period
    • First 60 months the payments are interest only billed quarterly, during the repayment period the payments are billed as principal plus accrued interest
    • APR is variable based on Wall Street Journal Prime plus a margin
    • No collateral is needed
    • Access can be by a line of credit check, telephone banking or online banking
    • Typically requires both the student and parents/legal guardians to jointly sign
    • A $125.00 application fee is required if the loan is approved

    See Rates & Terms

  • Extra-Credit Student Line of Credit: Secured
    • Minimum credit line amount is $2,500
    • Term is a 60 month draw period with a 120 month repayment period
    • First 60 months the payments are interest only billed quarterly, during the repayment period the payments are billed as principal plus accrued interest
    • APR is variable based on Wall Street Journal Prime plus or minus a margin
    • Collateral is required on this line
    • Access can be by a line of credit check, telephone banking or online banking
    • Requires both the student and parents/legal guardians to jointly sign

    See Rates & Terms