Our competitive deposit rates mean that your savings are constantly growing.
Our affordable loan rates are designed to limit your interest charges and leave you with more money to work with.
Checking and Savings Rates Effective April 16, 2024
| Account Type | Minimum Balance* to Obtain A.P.Y. | Interest Rate | Annual Percentage Yield |
|---|---|---|---|
| PS Preferred Interest Checking | n/a | n/a | n/a |
| Tier 1 | $1,000 - $4,999 | 0.03% | 0.03% |
| Tier 2 | $5,000 - $9,999 | 0.03% | 0.03% |
| Tier 3 | $10,000 or more | 0.05% | 0.05% |
| Statement Savings Account | None | 0.05% | 0.05% |
| Club Account | None | 0.05% | 0.05% |
| Individual Retirement Account (IRA) | None | 0.15% | 0.15% |
Money Market Account Effective April 16, 2024
| Account Type | Minimum Balance* to Obtain A.P.Y. | Interest Rate | Annual Percentage Yield |
|---|---|---|---|
| Tier 1 | $1,000 - $9,999 | 0.03% | 0.03% |
| Tier 2 | $10,000 - $24,999 | 0.05% | 0.05% |
| Tier 3 | $25,000 - $49,000 | 0.10% | 0.10% |
| Tier 4 | $50,000 or more | 0.30% | 0.30% |
* Daily Balance (the amount in the account each day). Interest on all deposits compounded daily. Minimum deposit to open is $2,500. 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.
Certificate of Deposits Effective April 16, 2024
| Account Type | Minimum Balance* to Obtain A.P.Y. | Interest Rate | Annual Percentage Yield |
|---|---|---|---|
| Three Month CD | $500 | 0.15% | 0.15% |
| Six Month CD | $500 | 0.25% | 0.25% |
| Twelve Month CD | $500 | 0.50% | 0.50% |
| Fifteen Month CD | $500 | 0.50% | 0.50% |
| Eighteen Month CD | $500 | 0.50% | 0.50% |
| Eighteen Month Step-Up CD | $5,000 | 0.50% | 0.50% |
| Twenty-Four Month CD | $500 | 0.50% | 0.50% |
| Thirty Month CD | $500 | 0.50% | 0.50% |
| Thirty-Six Month Step-Up CD | $5,000 | 0.50% | 0.50% |
| Forty-Eight Month CD | $500 | 0.70% | 0.70% |
| Sixty Month CD | $500 | 0.90% | 0.90% |
| Nine Month CD (Limited Time Only**) | $10,000 | 4.50% | 4.60% |
*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. **Nine month CD rate for new money only.
Home Equity Loan Rates Effective April 16, 2024
NO CLOSING COSTS**
| Term | As Low As | Typical Monthly Payment for $25,000 Loan |
|---|---|---|
| 60-Month Term | 6.75% APR* | $492.09 |
| 120-Month Term | 7.00% APR* | $290.27 |
| 180-Month Term | 7.25% APR* | $228.22 |
| 240-Month Term | 7.75% APR* | $205.24 |
Home Equity Line of Credit Rate Effective April 16, 2024
| Type | Introductory Rate for 6 Months | After 6 Months |
|---|---|---|
| Home Equity Line of Credit | 5.99% APR*** | 8.50% APR*** |
***Annual Percentage Rate (APR) stated requires a FICO credit score of 700 or greater; maximum loan-to-value 85%. The initial APR is discounted and after the introductory period the APR is variable. The post-introductory 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 8.50% with a floor of 5.00% and a ceiling of 18.00%. Offer subject to credit approval. Rates and margins may change based on credit score or property/dwelling type. Revolving 10-year draw period, then 10-year amortized repayment period. ADDITIONAL “NO CLOSING COST” PRODUCT DISCLOSURE: “No closing costs” means PS Bank (‘Bank’) will waive origination fee, credit report fee, title search fee, flood determination fee, mortgage recording fee, bank attorney fee, automated valuation fee, and mortgage tax. Any expense not specifically listed herein is the responsibility of the borrower. Bank’s intent is to utilize and pay for an automated valuation of the collateral property. If a more extensive appraisal is requested by the applicant or is deemed necessary by Bank for any reason, the applicant will be responsible for the cost charged by the appraiser. Property and hazard insurance are required and are the responsibility of the borrower. Flood insurance may be required. If you pay off and close the loan or line within 36 months of opening, you must reimburse us the third-party fees paid in connection with opening the loan or line. Fees paid to third parties generally total between $207.00 and $957.00. Please consult your tax advisor to determine if interest is tax deductible. Additional terms and conditions may apply. Rates subject to change without notice. Applies to Pennsylvania properties only. Member FDIC. Equal Housing Lender.
Mortgage Rates Effective April 16, 2024
| Loan Type | Rate | APR | Payment |
|---|---|---|---|
| 30 Year Fixed | Call for Rate | Call for Rate | Call for Payment |
| 20 Year Fixed | Call for Rate | Call for Rate | Call for Payment |
| 15 Year Fixed | Call for Rate | Call for Rate | Call for Payment |
Example of payment terms: Borrow $150,000 at 6.1562% Annual Percentage Rate (APR) for 360 monthly payments of $914.28. Payment does not include amounts for taxes and insurance premiums, the actual payment will be greater. APR and example of payment shown is based on Loan Amount of $150,000, 1.0% Origination Fee, 25% down payment, 720+ credit score. Offer subject to credit approval. Additional terms and conditions may apply. Rates may vary depending upon credit history and transaction specifics,and are subject to change at any time.
Unsecured Home Improvement Loan
Unsecured Home Improvement Loan Effective April 16, 2024
| Term | Loan Amount | APR * | Monthly Payment ** |
|---|---|---|---|
| 120 Month Term | $15,000 | 10.310% | $198.14 |
| 180 Month Term | $35,000 | 10.141% | $375.90 |
Disclosure info: *APR = Annual Percentage Rate is accurate as of 1/2/2024. Subject to change without notice. **Payment is based on maximum terms show/n. Subject to credit approval.
Maximum term of 120 months is based on a FICO score of 660+ and $199.99 lender fee. Maximum term of 180 months is based on a FICO score of 680+ and $299.99 lender fee.
PS Bank is a full-service financial institution with branches throughout Northeastern and North Central Pennsylvania.
Unsecured Home Improvement Loan
Do you want to increase the value of your home with fixed monthly payments? PS Bank can help with an unsecured home improvement loan.
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