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 08/14/2023.
Term
APY1
Interest Rate
5 years thru 10 years
3.95%
3.9117%
4 Year Term
4.05%
4.0098%
3 Year Term
4.15%
4.1078%
2.5 Year Term
4.30%
4.2547%
2 Year Term
4.50%
4.4505%
1.5 Year Term
5.00%
4.9390%
1 Year Term
5.10%
5.0366%
6 Month Term
5.15%
5.0853%
3 Month Term
5.15%
5.0534%
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 08/14/2023.
Term
APY1
Interest Rate
Minimum Balance to
Obtain APY
5 years thru 10 years - Fixed rate
3.95%
3.95%
$500
4 years - Fixed rate
4.05%
4.05%
$500
3 years - Fixed rate
4.15%
4.15%
$500
2 years - Fixed rate add on2, 3
5.10%
5.10%
$100
1 year - Fixed rate
5.10%
5.10%
$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.
Money Market Rates
Flex Money Market rates effective 8/1/2022.
Flex Money Market1, 2
APY3
Interest Rate
Minimum Balance to Obtain APY
$100,000 or more
0.45%
0.45%
$100,000
$25,000 to $99,999
0.35%
0.35%
$25,000
$7,500 to $24,999
0.35%
0.35%
$7,500
$500 to $7,499
0.25%
0.25%
$500
$0.01 to $499
0.25%
0.25%
$0.01
Business Money Market rates effective 8/1/2022.
Business Money Market1, 2
APY3
Interest Rate
Minimum Balance to Obtain APY
$100,000 or more
0.45%
0.45%
$100,000
$25,000 to $99,999
0.35%
0.35%
$25,000
$7,500 to $24,999
0.35%
0.35%
$7,500
$500 to $7,499
0.25%
0.25%
$500
$0.01 to $499
0.25%
0.25%
$0.01
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.
2 – Account rate is variable and may change at any time after the account is opened. APY (Annual Percentage Yield) based on monthly compounding. Service charges could reduce earnings.
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 10/01/2024.
Club Savings 20251
APY2
Interest Rate
Minimum Balance to Obtain APY
Minimum Opening Deposit
Automatic Deduction Club Account3
0.05%
0.05%
$0.01
$1.00
Coupon Book Club Account4
0.05%
0.05%
$0.01
$1.00
Vacation Club 20245
APY2
Interest Rate
Minimum Balance to Obtain APY
Minimum Opening Deposit
Automatic Deduction Club Account3
0.05%
0.05%
$0.01
$1.00
Coupon Book Club Account4
0.05%
0.05%
$0.01
$1.00
1 – Start Date 10/01/22 – End Date 09/30/23. 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 03/01/22 – End date 02/28/23. There is a $20 penalty assessed for each early withdrawal before maturity.
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. 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 09/24/2024 and are subject to change without notice.
1 – Current Annual Percentage Rate is based on the Wall Street Journal Prime (WSJP) rate plus a margin and is subject to change 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 07/26/2023 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.
Construction Loan Mortgage Rates
Construction Loan Mortgage rates effective 1/2/19.
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.
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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 9/20/2024.
Term
APY1
Interest Rate
5 years thru 10 years
1.25%
1.2461%
4 Year Term
1.50%
1.4944%
3 Year Term
1.75%
1.7424%
2.5 Year Term
2.00%
1.9901%
2 Year Term
2.50%
2.4846%
1.5 Year Term
3.75%
3.7155%
1 Year Term
3.85%
3.8136%
6 Month Term
4.30%
4.2547%
3 Month Term
4.40%
4.3292%
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 9/20/2024.
Term
APY1
Interest Rate
Minimum Balance to
Obtain APY
5 years thru 10 years - Fixed rate
1.25%
1.25%
$500
4 years - Fixed rate
1.50%
1.50%
$500
3 years - Fixed rate
1.75%
1.75%
$500
2 years - Fixed rate add on2, 3
3.85%
3.85%
$100
1 year - Fixed rate
3.85%
3.85%
$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.
Money Market Rates
Flex Money Market rates effective 11/1/2022.
Flex Money Market1, 2
APY3
Interest Rate
Minimum Balance to Obtain APY
$1,000,000 or more
1.25%
1.24%
$1,000,000
$500,000 to $999,999
1.00%
1.00%
$500,000
$250,000 to $499,999
0.75%
0.75%
$250,000
$100,000 to $249,999
0.60%
0.60%
$100,000
$0.01 to $99,999
0.50%
0.50%
$0.01
Business Money Market rates effective 11/1/2022.
Business Money Market1, 2
APY3
Interest Rate
Minimum Balance to Obtain APY
$1,000,000 or more
1.25%
1.24%
$1,000,000
$500,000 to $999,999
1.00%
1.00%
$500,000
$250,000 to $499,999
0.75%
0.75%
$250,000
$100,000 to $249,999
0.60%
0.60%
$100,000
$0.01 to $99,999
0.50%
0.50%
$0.01
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.
2 – Account rate is variable and may change at any time after the account is opened. APY (Annual Percentage Yield) based on monthly compounding. Service charges could reduce earnings.
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 10/01/2024.
Club Savings 20251
APY2
Interest Rate
Minimum Balance to Obtain APY
Minimum Opening Deposit
Automatic Deduction Club Account3
0.05%
0.05%
$0.01
$1.00
Coupon Book Club Account4
0.05%
0.05%
$0.01
$1.00
Vacation Club 20245
APY2
Interest Rate
Minimum Balance to Obtain APY
Minimum Opening Deposit
Automatic Deduction Club Account3
0.05%
0.05%
$0.01
$1.00
Coupon Book Club Account4
0.05%
0.05%
$0.01
$1.00
1 – Start Date 10/01/24 – End Date 09/30/25. 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 03/01/24 – End date 02/28/25. There is a $20 penalty assessed for each early withdrawal before maturity.
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. 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 09/24/2024 and are subject to change without notice.
1 – Current Annual Percentage Rate is based on the Wall Street Journal Prime (WSJP) rate plus a margin and is subject to change 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 07/26/2023 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
Rates are unavailable online for this area. Please call 1-866-642-7736.
