Rates

Checking and Savings Rates Effective March 21, 2017

Account Type Minimum Balance* to Obtain A.P.Y. Interest Rate Annual Percentage Yield
PS Preferred Interest Checking  
Tier 1 $1,000 - $4,999 0.05% 0.05%
Tier 2 $5,000 - $9,999 0.10% 0.10%
Tier 3 $10,000 or more 0.15% 0.15%
Statement Savings Account None 0.05% 0.05%
Club Account None 0.05% 0.05%
Individual Retirement Account (IRA) None 0.15% 0.15%

Variable Money Market Accounts Effective March 21, 2017

Account Type Minimum Balance* to Obtain A.P.Y. Interest Rate

Annual Percentage Yield

Tier 1 $1,000 - $9,999 0.100% 0.100%
Tier 2 $10,000 - $49,999 0.150% 0.150%
Tier 3 $50,000 or more 0.150% 0.150%

* Daily Balance (the amount in the account each day). Interest on all deposits compounded daily. Rates are subject to change without notice. Fees could reduce earnings on the account. FDIC covered accounts. Each depositor insured to at least $250,000. Rates may change after the account is opened.

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Certificate of Deposits Effective March 21, 2017

Account Type Minimum Balance* to Obtain A.P.Y. Interest Rate Annual Percentage Yield
Three Month CD $500 0.05% 0.05%
Six Month CD $500 0.15% 0.15%
Twelve Month CD $500 0.45% 0.45%
Eighteen Month CD $500 0.50% 0.50%
Eighteen Month Step-Up CD $5,000 0.80% 0.80%
Twenty-Four Month CD $500 0.75% 0.75%
Thirty Month CD $500 0.80% 0.80%
Thirty-Six Month Step-Up CD $5,000 1.10% 1.10%
Forty-Eight Month CD $500 1.40%

1.41%

Sixty Month CD $500 1.55% 1.56%

* Daily Balance (the amount in the account each day). Interest on all deposits compounded daily. Rates are subject to change without notice. Fees could reduce earnings on the account. FDIC covered accounts. Each depositor insured to at least $250,000. Penalty for early withdrawal.

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Mortgage Rates Effective March 27, 2017

If you are looking for rates on products not listed below, please contact us at 844-WTB-HOME (844-982-4663).

Conforming/Secondary Market Rates and Disclosures*
Rates shown are for conforming fixed rate mortgage loans between $50,000 and $417,000 with Loan-to-Value of up to 80%.
Points Rate APR*
30-Year Fixed 0

4.375%

4.416%
20-Year Fixed 0 4.125%

4.179%

15-Year Fixed 0 3.625% 3.651%

 

Mortgage Payment Examples

Term Points Rate Typical Monthly Payment for a $150,000 Mortgage
30-Year Fixed 0 4.375% $748.93
20-year Fixed 0 4.125%

$918.88

15-Year Fixed 0

3.625%

$1,081.56

*APR = Annual Percentage Rate. APR is based on a FICO credit score of 740 or greater and maximum total loan-to-value is equal to or less than 80%. Private Mortgage Insurance (PMI) is required for loans with less than 20% down. Payment examples do not include amounts for taxes and insurance and the actual payment may be higher. All mortgage applications are subject to approval. Certain restrictions may apply. Interest rates subject to change without notice.

Call us to discuss VA, FHA, PHFA, Construction, and USDA Rural Housing Rates and Options (Toll-free) 844-WTB-HOME (844-982-4663)
 

Construction/Permanent Mortgage Loan Rates and Disclosures*

Rates shown are for construction/permanent fixed rate mortgage loans between $50,000 and $417,000 with Loan-to-Value of up to 80%.

Points Rate APR*

30-Year Fixed

  0 4.625% 4.678%
20-Year Fixed   0 4.375% 4.427%
15- Year Fixed   0 3.875% 3.961%

Term Points Rate Typical Monthly Payment for a $150,000 Mortgage
30-Year Fixed

  0

4.625%

                    $771.21
20-Year Fixed   0 4.375%                     $938.88
15-Year Fixed   0 3.875%                     $1,100.16

*APR = Annual Percentage Rate. APR is based on a FICO credit score of 740 or greater and maximum total loan-to-value is equal to or less than 80%. Private Mortgage Insurance (PMI) is required for loans with less than 20% down. Payment examples do not include amounts for taxes and insurance and the actual payment may be higher. All mortgage applications are subject to approval. Certain restrictions may apply. Interest rates subject to change without notice.

 

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Home Equity Loan Rates Effective January 3, 2017

NO CLOSING COSTS***

As Low As Typical Monthly Payment for $25,000 Loan
60-Month Term 2.99% APR** $449.09
120-Month Term 3.74% APR** $250.04
180-Month Term 4.24% APR** $187.94

**Annual percentage rate (APR) stated requires FICO credit score of 720 or greater; rates may differ based on credit score, property/dwelling type, or payment method. Maximum loan-to-value of 85%. Rates subject to change. Minimum loan amount of $25,000 required to obtain rate and does not include refinances of existing PS Bank loans. APR shown and example of payment terms assume automatic deduction of monthly payment from a PS Bank checking account. Offer subject to credit approval. Additional terms and conditions may apply. Please consult your tax advisor to determine if interest is tax deductible.

***ADDITIONAL “NO CLOSING COST” PRODUCT DISCLOSURE: “No closing costs” means PS Bank (‘Bank’) will waive origination fee/points, application fee, flood check fee, credit report fee, mortgage recording fee, abstract update, title search fee, appraisal fee, bank attorney fee, or mortgage tax. If customer selects an attorney to represent him/her, customer is responsible for attorney’s fee. Bank’s intent is to utilize and pay for an exterior-only appraisal of the collateral property. If a more extensive appraisal is requested by the customer or is deemed necessary by Bank for any reason, Bank will pay for up to $300.00 of the cost. The customer will be responsible for any difference charged by the appraiser. Any expense not specifically listed herein is the responsibility of the borrower. Property and hazard insurance are required and are the responsibility of the borrower.  Loans closed within three years of origination will incur third-party closing costs originally waived at account opening.  Applies to Pennsylvania properties only.

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Home Equity Line of Credit Rate Effective January 3, 2017 

Introductory Rate for 6 Months After 6 Months
Home Equity Line of Credit 1.99% APR*** 3.75% APR***

***Annual Percentage Rate (APR) stated requires a FICO credit score of 720 or greater; maximum loan-to-value 85%. The APR after the introductory discounted period is variable, with a maximum rate of interest of 10% above initial rate. The post-promotional rate is based on an index plus margin and may change daily. The index is known as The Wall Street Journal U.S. Prime Rate and is published in The Wall Street Journal. The current index is 3.75%. The margin is 0%. Offer subject to credit approval. Rates and margins may change based on credit score, property/dwelling type, and/or payment method. Closing costs range between $100.00 and $299.00. Minimum of $25,000 required to obtain rate. Additional terms and conditions may apply. Rates subject to change without notice.

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