Consumer Credit

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: 8.00% APR* with monthly payment terms arranged       
  • New: 6.50% APR* with monthly payment terms arranged       
  • New: 6.75% APR* with monthly payment terms arranged
Home Equity Loans *****       
  • 4.75% APR* with a maximum term of 60 months**       
  • 5.25% APR* with a maximum term of 120 months**       
  • Line of Credit: Prime +.5% margin with a floor rate of 4%****
Real Estate Mortgages *****       
  • 3.400% Interest Rate (Up to 180 Months)       
  • 3.637% APR* with monthly payment terms arranged
          
  • 3.850% Interest Rate (181 Months to 240 Months)       
  • 4.067% APR* with monthly payment terms arranged
          
  • 4.000% Interest Rate (241 Months to 360 Months)       
  • 4.179% APR* with monthly payment terms arranged
We also offer debt consolidation loans, recreational vehicle loans and construction mortgages. Additional fees may apply.


Commercial Credit

We offer the following Commercial Loans
  • Vehicle
  • Equipment
  • Working Capital
  • Mortgages/Equity
  • Lines of Credit
For rates and terms, please contact us.


We have provided a Loan 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.

    * APR - Annual Percentage Rate. Interest rates are effective as of 01/05/2012 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.

    **Example: The monthly payment per $10,000 borrowed at 4.75% APR for 60 months would be $187.56. The monthly payment per $10,000 borrowed at 5.25% for 120 months would be $107.29.

    ***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%.

    *****Mortgage Loan Originators
    Lender Number
    Kevin A. Schmidt 738071
    Ronald B. Gildner 738069
    Ronald K. Miller 738068
    Gary D. Schneck 738070



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