Rates

Whether you're saving or borrowing, we want our numbers to work for you.

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 October 4, 2022

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 October 4, 2022

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 0.20% 0.20%

* 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 October 4, 2022

Account Type Minimum Balance* to Obtain A.P.Y. Interest Rate Annual Percentage Yield
Three Month CD $500 0.10% 0.10%
Six Month CD $500 0.15% 0.15%
Twelve Month CD $500 0.25% 0.25%
Fifteen Month CD $500 0.30% 0.30%
Eighteen Month CD $500 0.30% 0.30%
Eighteen Month Step-Up CD $5,000 0.30% 0.30%
Twenty-Four Month CD $500 0.35% 0.35%
Thirty Month CD $500 0.35% 0.35%
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%

* 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.

Home Equity Loan Rates Effective October 3, 2022

NO CLOSING COSTS**

Term As Low As Typical Monthly Payment for $25,000 Loan
60-Month Term 4.45% APR* $465.51
120-Month Term 5.25% APR* $268.23
180-Month Term 5.875% APR* $209.28
240-Month Term 6.125% APR* $180.92
*Annual Percentage Rate (APR) stated requires a FICO credit score of 700 or greater; maximum loan-to-value 85%. Offer subject to credit approval. Rates may change based on credit score or property/dwelling type.**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. APR assumes .25% discount for automatic payment from a PS Bank account. 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.

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Home Equity Line of Credit Rate Effective October 3, 2022

Type Introductory Rate for 6 Months After 6 Months
Home Equity Line of Credit 2.49% APR*** 6.75% 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 6.25%. The margin is .50% with a floor of 4.00% 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.

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Mortgage Rates 

Please call for current mortgage rates. Our team can be reached at 570-586-3122.

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