Consumer Loan Rates


All interest rates are effective as of March 22, 2018.

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

Type of Loan Term Annual Percentage Rate (APR) with Automatic Payments Annual Percentage Rate (APR) without Automatic Payments Payment Amount (based on $1,000 loan, Automatic Payments and longest term available)
New Auto 1-36 months 3.24% 3.49% $29.19
New Auto 37-60 months 3.49% 3.74% $18.19
New Auto 61-72 months 4.24% 4.49% $15.75
Used Auto        
Model Years 2016 - Present 1-60 months 3.99% 4.24% $18.41
Model Years 2014 - 2015 1-48 months 4.49% 4.74% $22.80
Model Years 2011 - 2013 1-36 months 4.99% 5.24% $29.97
Loan Secured by Liquid Collateral 1-60 months 3.99% 4.24% $18.41
Loan Secured by Other Collateral 1-48 months 5.49% 5.74% $23.25
Unsecured Loan $1,000 - $7,500 1-84 months 9.24% 9.49% $16.21
Tax Time Loan Special* 1-60 months 7.24% N/A $19.91

The Annual Percentage Rates (APRs) are accurate as of the effective date above. APRs for new and used auto loans based upon 90% loan-to-value. For other loans, down payment requirements vary. The interest rate for your loan is based upon your creditworthiness. A $35 processing fee applies to unsecured loans. The payment may be automatically deducted from an NWSB Bank checking or statement savings account.

*Offer valid from 03/12/18 through 04/16/18, but can be modified or discontinued without notice. The interest rate for your loan is based upon your creditworthiness. The Annual Percentage Rate (APR) is accurate as of 03/12/18. The promotional APR is 7.24% and the monthly loan payment is $19.91 for $1,000 borrowed for a term of 60 months. The term of the loan may range from 1-60 months. The maximum loan amount is $7,500. The loan payment must be automatically deducted from your ACNB or NWSB Checking or Statement Savings Account. No collateral is required. The $35 application fee will be waived. Other rates and terms are available.

My Money Line - Personal Line of Credit Annual Percentage Rate (APR)
My Money Line with Initial Draw of $2,500 or more 10.00%*
My Money Line without Initial Draw 10.50%

No down payment or collateral is required for this type of loan. Initial draw of $2,500 or more must be taken at the time of closing in order to qualify for the 10.00% APR. *The introductory APR of 10.00% is fixed for the first six months of the line. Thereafter, the variable APR may increase or decrease monthly on the billing date based upon the The Wall Street Journal Prime Rate plus 5.75%. As of March 22, 2018, the APR based upon Prime Rate plus 5.75% is 10.50%. The maximum APR is 18.00%. The interest rate for your line is based upon your creditworthiness. The minimum credit line amount is $2,500. This introductory offer may be modified or discontinued without notice. A processing fee of $35 applies.


For more information, call us toll free  at 1-844-822-6972 or complete our Contact Information Form.

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