Product
Preliminary
Applicant
Review
Decision
Product Selection

Select Product

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

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

1.888.334.2262

Monday-Friday: 8am-6pm (EST)
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 Special

    Home Equity Installment Loan Special

    • Apply for a 10-Year Home Equity Loan with a fixed rate of 7.74% APR or a 15-Year Home Equity Loan with a fixed rate of 7.99% APR before June 30, 2024 and fees may be waived.
    • The minimum loan amount is $5,000.
    • With an APR of 7.74 %, the monthly loan payment is $59.98 for $5,000 borrowed for a term of 120 months. With an APR of 7.99%, the monthly loan payment is $47.75 for $5,000 borrowed for a term of 180 months.
    • Payment must be automatically deducted from an ACNB Bank checking or statement savings account.

    See Rates & Terms

  • Unsecured

  • Personal Loan

    Personal Loan

    • Loan approvals are good for 30 days from the date of approval.
    • Depending on collateral, terms range from 1 to 84 months.
    • Must have a stated purpose for this type of loan.
    • A $35 nonrefundable processing fee is required on this type of loan.

    See Rates & Terms

  • Home Equity Credit Line

  • 5-Year Lock

    5-Year Lock Home Equity Line

    • The 7.25% APR is locked for the first 12 months; then converts to a rate lock of 8.25% 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 are charged.
    • APR based upon line of credit up to 80% loan-to-value. Loan-to-value of 90% with a 0.15% increase.
    • For properties located in the state of Maryland, mortgage recordation taxes will be paid by the borrower.
    • Other rates and terms are available.

    See Rates & Terms

  • Variable Rate
    • Initial APR is fixed at 7.00% (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
    • APR based upon line of credit up to 80% loan-to-value. Loan-to-value of 90% with a 0.15% rate increase.
    • 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