Loans
Current Rates
Rates are effective as of April 1, 2024.
Current Dividends
| Account | APR* | APY** |
|---|---|---|
| Share Savings Account ($5.00 Minimum required in Share Account to maintain membership) | 1.50% | 1.51% |
| Member's Choice Club | 1.50% | 1.51% |
| Christmas Club | 1.50% | 1.50% |
Loan Rates
| Loan/Term | APR* | APY** |
|---|---|---|
| Auto, RV or Conv Van (NEW) up to 60 Months | as low as 4.70% | -- |
| Auto, RV or Conv Van (NEW) 61-72 Months | as low as 5.25% | -- |
| Auto, RV or Conv Van (2017-2023) up to 48 Months | as low as 5.90% | -- |
| Auto, RV or Conv Van (2017-2023) 49-60 Months | as low as 5.90% | -- |
| Auto, RV or Conv Van (2021-2023) 61-72 Months (Subject to mileage < 75,000; reconstructed titles not eligible) | as low as 6.25% | -- |
| Auto, RV or Conv Van (2013-2016) up to 48 Months | as low as 6.50% | -- |
| All Other Secured (New) Includes: ATV/Quad, Boat, Travel Trailer, Motorcycle and Mobile Home. ATV only finance 80% of agreed selling price. | 7.45% | -- |
| All Other Secured (Used) Includes: ATV/Quad, Boat, Travel Trailer, Motorcycle and Mobile Home. ATV only finance 80% of NADA value. | 8.45% | -- |
| Home Equity Loan - 60 Months | 4.50% | -- |
| Home Equity Loan - 84 Months | 4.75% | -- |
| Home Equity Loan - 120 Months | 5.00% | -- |
| Home Equity Loan - 180 Months | 6.50% | -- |
| Home Equity Line of Credit (Variable Rate) Variable rate based on the Wall Street Prime; No lower than 5.00% | 8.50% | -- |
| Share Secured | 3.00% | -- |
| Unsecured Personal Loans | as low as 9.90% | -- |
| Unsecured Line of Credit | 7.90% | -- |
| Visa Card (No Annual Fee) | 9.90% | -- |
| Lenape Tech Adult Education up to 12 months | 3.99% | -- |
| Lenape Tech Adult Education 13-24 months | 3.99% | -- |
| Lenape Tech Adult Education 25-36 months | 5.99% | -- |
| Hearing Aids up to 12 months | 3.99% | -- |
| Hearing Aids up to 24 months | 4.99% | -- |
| Hearing Aids up to 60 months | 5.99% | -- |
Share Certificate Rates
| Certificate | APR* | APY** |
|---|---|---|
| 6-Month Share Certificate | 1.50% | 1.51% |
| 12-Month Share Certificate | 2.00% | 2.02% |
| 24-Month Share Certificate | 2.25% | 2.28% |
| 36-Month Share Certificate | 2.50% | 2.53% |
| 60-Month Share Certificate | 3.00% | 3.05% |
Fee Schedule
Effective November 1, 2018
Share Draft Account Fees
| Service | Fee |
|---|---|
| NSF Fee | $30.00 per item |
| Return Check/Return Deposit Fee | $30.00 per item |
| Stop Payment Fee | $15.00 per request |
| Share Draft Printing Fee | Prices may vary depending upon style |
| Photocopy Fee | $3.00 per draft |
| Overdraft Privilege Fee | $30.00 per item |
| Overdraft Transfer Fee | $7.50 per item |
| Special Handling Fee | $5.00 per occurrence, after third occurrence |
Other Service Fees (applicable to all accounts)
| Service | Fee |
|---|---|
| Account Research Fee | $20.00 per hour |
| Statement Copy Fee | $3.00 per month/quarter |
| Return Check/Return Deposit Fee | $30.00 per item |
| Garnishment/Writ/Levy Fee | $50.00 per occurrence |
| Escheat Fee | $25.00 per occurrence |
| Wire Transfer (Incoming) Fee | $5.00 per item |
| Wire Transfer (Outgoing) Fee | $20.00 per transfer |
| Stop Payment (CU Official Check) Fee | $15.00 per check |
| Stop Payment (ACH Item) Fee | $15.00 per item |
| Return Statement Fee | $25.00 per statement |
| Member I.D. Card Fee | $0.25 per card |
| Photo Copy Fee | $0.10 per page |
| Laminating Fee | $0.50 per item |
| Visa Debit Card | Waived at this time |
| ATM Transaction Fee | First ten (10) transactions free, $0.50 each thereafter |
| Backup Withholding Fee | $5.00 per quarter |
| Money Order Fee | $2.00 each |
| Money Order Stop Payment Fee | $2.00 each |
| ATM Surcharge (Foreign Transactions Only) | $2.00 each |
| Card Replacement Fee (Credit or Debit, Limit 2/Year) | $5.00 each |
| Rush Replacement Fee | $50.00 each (debit) |
| PIN Replacement Fee | $3.00 each per card |
| Official Check Fee | $5.00 each (after 2/month) |
| Official Check Stale Date Fee | $10.00 per occurrence |
Loans
| Service | Fee |
|---|---|
| Home Equity Appraisal (for loans less than $10,000) | $150.00 |
| Late Payment Fee | $22.00 per occurrence |
| Subordination (Gas & Oil) | $50.00 per occurrence |
| Guaranteed Asset Protection | $280.00 per loan |
| Guaranteed Asset Protection + | $330.00 per loan |
Visa Credit Card
| Service | Fee |
|---|---|
| Late Payment Fee | $22.00 per occurrence |
| Return Check Fee | $27.00 per occurrence |
Rates, terms and conditions are subject to change at any time, without notice and may vary based on creditworthiness, qualifications and collateral conditions. For current rates, contact us at 724-763-1172. Loans are subject to underwriting guidelines, and not all applicants will qualify. Share accounts require minimum balance of $5 (Par share value; par share value is not a fee). Share certificate APYs are for dividends paid and compounded quarterly. There is a penalty for early withdrawal. APR = Annual Percentage Rate. APY = Annual Percentage Yield. Membership is required and eligibility guidelines apply.
Home Equity Lending Staff Information
Lori Kijowski, Lending Services Manager, MLO #481117
Barb Folta, Lending Services Representative/Visa, MLO #481118
Kelli Painter, Lending Services Representative, MLO #493618
Dawn Knepshield, Asst Retail Operations/Branch Manager, MLO #1768527