Loan Products - Consumer Credit

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Personal Loans

  • Unsecured with limit of $5,000.00: 13.50% APR* with monthly payment terms arranged
  • Unsecured Line of Credit with a limit of $5,000.00: Prime + 6% margin***

Automobile Loans

  • Used: 5.75% APR* with monthly payment terms arranged
  • New (Up to 48 months): 4.25% APR* with monthly payment terms arranged
  • New (Up to 60 months): 4.50% APR* with monthly payment terms arranged

Home Equity Loans

  • 3.50% APR* with a maximum term of 60 months**
  • 4.25% APR* with a maximum term of 120 months**
  • Line of Credit: Prime +.5% margin with a floor rate of 4%****

Real Estate First Mortgages

Fixed; 1 point: 

  • 2.850% Interest Rate (Up to 180 Months)
  • 3.085% APR* with monthly payment terms arranged
  • 3.400% Interest Rate (181 Months to 240 Months)
  • 3.586% APR* with monthly payment terms arranged
  • 3.650% Interest Rate (241 Months to 360 Months)
  • 3.785% APR* with monthly payment terms arranged

Fixed; 0 point: 

  • 3.100% Interest Rate (Up to 180 Months)
  • 3.190% APR* with monthly payment terms arranged
  • 3.650% Interest Rate (181 Months to 240 Months)
  • 3.722% APR* with monthly payment terms arranged
  • 3.900% Interest Rate (241 Months to 360 Months)
  • 3.953% APR* with monthly payment terms arranged

We also offer debt consolidation loans, recreational vehicle loans and construction mortgages. Additional fees may apply.

We have provided a Loan Payment Calculator so that you can calculate your loan payments.   If you have any questions on these products or services, please call us at 610-767-3875 or e-mail us by clicking here.

Loan Originators

Lender Number  
Kevin A. Schmidt 738071
Ronald B. Gildner 738069
Ronald K. Miller 738068
Gary D. Schneck 738070
Marianne C. Eisenhauer       897384

     *APR - Annual Percentage Rate: Interest rates are effective as of 05/21/15 and are subject to change. Interest rates for Personal, Automobile, Mobile Homes, Commercial Vehicles, and Equity Loans can be reduced by .25% if payments are automatically deducted from your Neffs Bank Checking or Savings Accounts.  Interest rates for Consumer Real Estate First Mortgages can be reduced by .05% if payments are automatically deducted from your Neffs Bank Checking or Savings Accounts.
   **Example: The monthly payment per $10,000 borrowed at 3.50% APR for 60 months would be $181.92. The monthly payment per $10,000 borrowed at 4.25% for 120 months would be $102.45.
 ***The Unsecured Line of Credit is a variable rate product. The current APR is 9.25%. The maximum APR is 21%.
****The Home Equity Line of Credit is a variable rate product. The current APR is 4%. The maximum APR is 21%.