top of page
Web_HomeButton2 (1).png
Loans Consumer Credit Heading Photo

The Neffs National Bank offers a variety of consumer lending options to help you meet your financial goals.

Home Equity Line of Credit

Home Equity Line of Credit Picture

The last home equity loan you will ever need!

  • Quick, easy turnaround

  • Variable interest rates with optional lock-in feature

  • 15-year draw and repayment period

  • Ask about our Home Equity Line of Credit special 

  • No closing costs (excluding required appraisal fee) for loans greater than $40,000;

  • with a maximum of $250,000

Residential Mortgage Loan

Buy, build, or refinance your home stress free and affordably. 

  • Low fees

  • Specializing in One Close Construction to Permanent Loans

  • Build equity faster and payoff your loan sooner with our Bi-Weekly Mortgage

  • Low cost refinance options

  • Free Mortgage Pre-Qualification

  • Buy Here, Pay Here - All mortgage loans remain at The Neffs National Bank

  • Jumbo mortgage loans available

Residential Mortgage Picture

Home Equity Loan

Use the equity available in your home to complete that project, consolidate

debt or for those unexpected expenses. 

  • Quick, easy turnaround

  • Fixed rate and term

  • Lending power based on the equity available in your home

  • No closing costs (excluding required appraisal fee) for loans greater than $40,000; with a maximum of $250,000

Home Equity Loan Picture

Personal Loan / Personal Line of Credit

Funds for whatever you may need!

  • Quick, easy turnaround

  • Fixed and variable rate options

  • Secured and unsecured options

Personal Loan Picture

Automobile Loan

Whether you are buying a new or used car, or just refinancing an existing

auto loan, we can get you on the road!

  • Quick, easy turnaround

  • Flexible terms available

  • Competitive rates

Auto Loan Picutre

Loan Originators

Kevin A. Schmidt 
NMLS #738017

Ronald K. Miller
NMLS #738068


Mark R. Stewart


NMLS #1320432

Nicole M. Wishnefsky


NMLS #844931

Pearl A. Sheckler


NMLS #766498


Kristin Fritz
NMLS #573196


Melissa A. Murtha
NMLS #766497

Student Loans Partner Logo

Loan with Pennsylvania Students in Mind

Through the PA Forward Student Loan Program, the Pennsylvania Higher Education Assistance Agency (PHEAA) offers private student loan options to enable Pennsylvania students to pursue their higher education dreams and to make managing their loans easier and more convenient.

The PA Forward Student Loan Program has the following benefits:

  • No application or origination fees

  • Low fixed interest rates

  • Multiple repayment options

  • Potential interest rate rewards

  • No prepayment penalty

For undergrad, grad, and parent loans, you can even borrow up to 100% of the certified cost of attendance (tuition, fees, room, board, books, etc.).

*Please be advised that you are leaving The Neffs National Bank website at to a link available from this web page, either via a menu item or direct link. We are not liable for the content, incorrectness, errors, omissions or opinions expressed on these websites. We are merely providing the Internet link to these sites for your convenience. Any questions or comments concerning these external sites should be directed to them directly.

bottom of page