Featured Rates

Deposit Rates

Loan Rates

Mortgage Rates

Deposit Rates

Certificate of Deposit Rates

Additional Certificate of Deposit terms are available. Call us at 1-866-642-7736 or stop by a branch near you to learn more.

Certificate of Deposit rates effective 11/20/17.
TermInterest RateAPY1
4 Year Term1.05%1.05%
3 Year Term1.00%1.00%
2.5 Year Term0.65%0.65%
2 Year Term0.60%0.60%
1.5 Year Term0.55%0.55%
1 Year Term0.35%0.35%
6 Month Term0.25%0.25%

Open Now

1 – Annual Percentage Yields (APY) is based on semi-annual compounding. There is a substantial penalty for early withdrawal of funds on deposit in a Certificate of Deposit. Click here to view early withdrawal penalties.

Individual Retirement Account (IRA) Rates

IRA rates effective 11/20/17.
TermInterest Rate APY1Minimum Balance to
Obtain APY
10 years - Fixed rate1.50%1.50%$500
9 years - Fixed rate1.50%1.50%$500
8 years - Fixed rate1.50%1.50%$500
7 years - Fixed rate1.50%1.50%$500
6 years - Fixed rate1.50%1.50%$500
5 years - Fixed rate1.50%1.50%$500
4 years - Fixed rate1.05%1.05%$500
3 years - Fixed rate1.00%1.00%$500
2 years - Fixed rate add on2, 30.55%0.55%$100
1 year - Fixed rate0.35%0.35%$500

1 – Annual Percentage Yield (APY) is based on annual compounding. There is a substantial penalty for early withdrawal of funds on deposit in an IRA. Click here to view early withdrawal penalties.

2 – The 2-Year Fixed Rate IRA has an add-on feature. You can add deposits to this account in amounts of $25 or more at any time.

3 – Minimum balance of $100.

Non-Consumer Interest Checking Rates

Free Nonprofit Checking rates effective 11/20/17.
Free Nonprofit Checking1     APY2Interest RateMinimum Balance to Obtain APY
$100,000 or more0.10%0.10%$100,000
$25,000 to $99,9990.07%0.07%$25,000
$0.01 to $24,9990.04%0.04%$0.01
Free Government Checking rates effective 11/20/17.
Free Government Checking1APY2Interest RateMinimum Balance to Obtain APY
$100,000 or more0.10%0.10%$100,000
$25,000 to $99,9990.07%0.07%$25,000
$0.01 to $24,9990.04%0.04%$0.01
IOLTA rates effective 11/20/17.
IOLTA Accounts1, 3       APY2Interest RateMinimum Balance to Obtain APY
$10,000 or more0.10%0.10%$10,000
$5,000 to $9,9990.10%0.10%$5,000
$0.01 to $4,9990.10%0.10%$0.01
Business Interest Checking rates effective 11/20/17.
Business Interest Checking1APY2Interest RateMinimum Balance to Obtain APY
$10,000 or more0.07%0.07%$10,000
$5,000 to $9,9990.04%0.04%$5,000
$0.01 to $4,9990.01%0.01%$0.01

1 – Account rates are variable and may change at any time after the account is opened.

2 – APY (Annual Percentage Yield) based on monthly compounding.

3 – IOLTA rates determined by best available interest-bearing DDA rates.

Money Market Rates

Flex Money Market rates effective 11/20/17.
Flex Money Market1, 2APY3Interest RateMinimum Balance to Obtain APY
$250,000 or more0.65%0.65%$250,000
$100,000 to $249,9990.55%0.55%$100,000
$50,000 to $99,9990.45%0.45%$50,000
$25,000 to $49,9990.45% 0.45% $25,000
$10,000 to $24,9990.35%0.35%$10,000
$0.01 to $9,9990.25%0.25%$0.01
Business Money Market rates effective 11/20/17.
Business Money Market1, 2APY3Interest RateMinimum Balance to Obtain APY
$250,000 or more0.65%0.65%$250,000
$100,000 to $249,9990.55%0.55%$100,000
$50,000 to $99,9990.45%0.45%$50,000
$25,000 to $49,9990.35% 0.35% $25,000
$10,000 to $24,9990.25%0.25%$10,000
$0.01 to $9,9990.10%0.10%$0.01

Open Now

1 – Account rate is variable and may change at any time after the account is opened.

2 – Checks and transfers from a Flex Money Market account or Business Money Market account to another account or to third parties by preauthorized, automatic or telephone transfers are limited to six (6) per month.

3 – APY (Annual Percentage Yield) based on monthly compounding. Service charges could reduce earnings.

Savings Account Rates

My Savings Account rates effective 11/20/17.
My Savings1APY2Interest RateMinimum Balance to Obtain APYMinimum Opening Deposit­­3
$0.01 or more0.05%0.05%$0.01$0.01

Simple Savings Account rates effective 11/20/17.
Simple Savings1APY2Interest RateMinimum Balance to Obtain APYMinimum Opening Deposit­­3
$0.01 or more0.05%0.05%$0.01$0.01

Open Now

1 – Account rate is variable and may change at any time after the account is opened. Transfers to another account or to third parties by preauthorized, automatic or telephone transfers are limited to six (6) per month.

2 – APY (Annual Percentage Yield) based on quarterly compounding. Service charges could reduce earnings.

3 – Minimum Opening Deposit for accounts opened online is $0.01.  Accounts opened in person at a branch do not require an opening deposit.

Club Savings/Vacation Club

Club Savings/Vacation Club rates effective 11/20/17.
Club Savings 20181APY2Interest RateMinimum Balance to Obtain APYMinimum Opening Deposit­­
Automatic Deduction Club Account30.20%0.20%$0.01$1.00
Coupon Book Club Account40.20%0.20%$0.01$1.00

Vacation Club 20185APY2Interest RateMinimum Balance to Obtain APYMinimum Opening Deposit­­
Automatic Deduction Club Account30.20%0.20%$0.01$1.00
Coupon Book Club Account40.20%0.20%$0.01$1.00

1 – Start date 10/02/17 – End date 09/28/18. There is a $20 penalty assessed for each early withdrawal before maturity.

2 – APY (Annual Percentage Yield) interest will not be compounded. Interest will be credited to your account at maturity.

3 – Automatic Deduction Club Account may choose to have payments in the amount of $1.00 or more debited from your Mid Penn Bank checking or savings account weekly, bi-weekly or monthly.

4 – Coupon Book Club Account, you may make unlimited deposits into your account. However, the minimum deposit is $1.00.

5 – Start date 03/01/17 – End date 02/28/18   There is a $20 penalty assessed for each early withdrawal before maturity.

Loan Rates

Fixed Rate Home Equity Loans

TermInterest RateAPR1Monthly Payment
per $1,000 borrowed
5-Year3.49%3.99%$17.96
7-Year4.24%4.74%$13.66
10-Year4.74%5.24%$10.35
15-Year5.50%6.00%$8.03
20-Year5.99%6.49%$7.02
Apply Now

Fixed-rate, closed-end loan secured by primary residence. Property insurance required. Rates are for qualified applicants and offer subject to credit approval. Rates are contingent upon automatic payments made from a Mid Penn Bank checking account. Add 0.20% to rate if borrower does not elect to have payments automatically deducted from a Mid Penn Bank checking account. Monthly payment of approximately $17.96 per $1,000 borrowed. Payment amount does not include taxes and insurance; your actual payment obligation may be greater. Maximum loan-to-value = 80%. Maximum debt-to-income = 43%. All rates effective as of 11/20/17 and are subject to change without notice.

1 - Annual Percentage Rate

Home Equity Lines of Credit (10 Year Draw Period)

Interest RateAPR1Annual Fee
Variable = WSJ Prime
Maximum Rate = 21.0%
4.25%NONE
Apply Now

1 - Annual Percentage Rate is equal to Wall Street Journal Prime rate. APR is variable and may increase or decrease monthly. APR includes a discount for automatic payment deduction from a Mid Penn Bank deposit account. Add .20% to the Prime Rate if borrower does not elect to have payments automatically deducted from a Mid Penn Bank deposit account. Maximum APR is 21.0%. Primary residence only. Property insurance is required. Maximum loan-to-value is 80%. Fees paid by the borrower generally range from $0 - $600. Consult a tax adviser for deductibility of interest. Offer subject to credit approval. All rates effective as of 11/20/17 and are subject to change without notice. This offer is available to existing home equity line of credit customers, subject to a processing fee. Other rates and terms available. NMLS ID# 514439

Mortgage Rates

In addition to the mortgage programs listed below, we also offer VA Mortgages, Pennsylvania Housing Finance Agency Mortgages, USDA Rural Development Loans, FHA Mortgages and Investment Property Mortgages.

Learn more online or call us at 1-855-290-9000 to speak with one of our mortgage experts.

Residential Mortgage Rates

Residential Mortgage rates effective 11/24/17.
Loan TypeInterest Rate APR1Monthly Payment2
15-year fixed3.250%
(With 0 points)
3.390%$702.67
30-year fixed3.875%
(With .250 points)
3.977%$470.24

Apply Now

Rates subject to change without notice. Rates shown are only an indication of current rates and will vary depending on factors such as your credit score, loan to value ratio, rate lock period, loan type and purpose. Minimum down payment = 20%.  Offer is subject to credit approval. Payment amount does not include taxes and insurance.

1 – Annual Percentage Rate

2 – Monthly payment based on a $100,000 loan amount.

Jumbo Mortgage Rates

Jumbo Mortgage rates effective 11/24/17.
Loan TypeInterest Rate APR1Monthly Payment2
30-year fixed4.250%
(With 0 points)
4.277%$2,090.74

Apply Now

Rates subject to change without notice. Rates shown are only an indication of current rates and will vary depending on factors such as your credit score, loan to value ratio, rate lock period, loan type and purpose. Minimum down payment = 20%. Jumbo mortgages have loan amounts above conventional conforming loan limits. Jumbo mortgages are in excess of $424,100.  Offer is subject to credit approval. Payment amount does not include taxes and insurance.

1 – Annual Percentage Rate

2 – Monthly payment based on a $425,000 loan amount.

Construction Loan Mortgage Rates

Construction Loan Mortgage rates effective 11/24/17.
Loan TypeInterest Rate APR1Monthly Payment2
Up to 12 months4.000%
(With .500 points)
6.945%$666.66

Apply Now

Rates subject to change without notice. Rates shown are only an indication of current rates and will vary depending on factors such as your credit score, loan to value ratio, rate lock period, loan type and purpose. Minimum down payment = 20%.  Offer is subject to credit approval. Payment amount does not include taxes and insurance.

1 – Annual Percentage Rate

2 – Monthly payment based on a $200,000 loan amount.