Personal Banking Interest Rates

CURRENT RATES

Rates may change without notice.

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Checking with Interest as of December 4, 2019
Balance Interest Rate APY*
$0.01 to $99,999.99 0.05 0.05
$100,000 & Over 0.10 0.10

*Annual Percentage Yield (APY) is subject to change after account is opened. Fees could reduce earnings. Minimum deposit required to open the account is $100.

PowerUp Checking as of December 4, 2019
Balance Interest Rate APY*
Balances up to $20,000 2.23 2.25
Over $20,000 0.05 2.25 to 0.40

*Annual Percentage Yield (APY) is subject to change after account is opened. APY assumes the following account qualifications are met per statement cycle in order to earn the highest available APY: at least 15 posted Debit or Credit point-of-sale (POS) transactions using your York Traditions Bank Debit Card, at least one ACH Credit or Debit (Direct Deposit or Automatic Payment) from your account, and use of a monthly e-statement. If these qualifications are not met, the APY will be 0.05% on all balances in the account for the statement period.

Minimum deposit required to open account is $100.

Statement Savings as of December 4, 2019
Balance Interest Rate APY*
$0.01 to $49,999.99 0.10 0.10
$50,000 & Over 0.15 0.15

*Annual Percentage Yield (APY) is subject to change after account is opened. Fees could reduce earnings. Minimum deposit required to open the account is $100.

Retail & IRA Money Market as of December 4, 2019
Balance Interest Rate APY*
$0.01 to $9,999.99 0.35 0.35
$10,000 to $24,999.99 0.50 0.50
$25,000 to $74,999.99 0.60 0.60
$75,000 to $249,999.99 0.85 0.85
$250,000 & Over 1.14 1.15

*Annual Percentage Yield (APY) is subject to change after account is opened. Fees could reduce earnings. Minimum deposit required to open the account is $100.

CDs & IRAs as of December 4, 2019
Term Interest Rate APY*
7-31 Day (for CDS only) 0.10 0.10
3 Month CD/IRA 0.20 0.20
6 Month CD/IRA 0.35 0.35
12 Month CD/IRA† 1.79 1.80
18 Month CD/IRA 1.84 1.85
24 Month CD/IRA 1.84 1.85
30 Month CD/IRA 1.79 1.80
36 Month CD/IRA 1.79 1.80
48 Month CD/IRA 1.79 1.80
60 Month CD/IRA 1.79 1.80

*Annual Percentage Yield (APY). The minimum balance to open the account and obtain the APY is $500. Penalty may be imposed for early withdrawal.

†For IRA, may add additional deposits during one year term.

Need money? Perhaps you’d like to take the vacation of a lifetime or pay for your child’s education. Maybe you just want to consolidate your bills. Whatever your needs, we have a Personal Loan option that can meet them. York Traditions Bank offers quick approvals made locally, right here, along with convenient terms and competitive rates.

Contact us for current rates 

HELOCK as of December 4, 2019
Term APR*
Home Equity Line of Credit with a Locking Rate 5.00%

During the Draw Period, this Plan contains an option to convert an amount up to the entire principal balance outstanding at any time from the variable rate to a fixed interest rate (“LOCK”). The plan could have different balances at different fixed interest rates as well as have a balance under the original variable rate terms. APR on fixed rate portions may be higher than variable rate.

You can exercise the option to convert to a LOCK only during the Draw Period. You may not exercise the option to LOCK if the credit limit will be exceeded.
There is a $100 fee for each LOCK established. The fee is waived if establishing a LOCK at the time of account opening.

The fixed interest rate for each LOCK will be based on the Bank’s prevailing fixed home equity installment loan interest rates at the time of your request, excluding any promotional rates that may be in effect at the time of the LOCK.

For each LOCK, you will be required to sign a Sub-Loan Conversion Agreement, the original principal amount must be at least $5,000, and the term cannot exceed ten years. You may have a maximum of three LOCKs outstanding at any time.

*Annual Percentage Rate (APR) is based on the Wall Street Journal Prime rate plus 0.25%. APR may adjust monthly. Minimum APR is 4.00%; maximum APR is 18.00%. Payment must be automatically deducted from a York Traditions Bank deposit account, assumes a maximum combined loan to value of 80%, and line amount not less than $50,000.

Home Equity Loans: 1st Lien as of December 4, 2019
Term APR* Payment**
36 months 4.25% $29.64
60 months 4.25% $18.53
84 months 4.38% $13.84
120 months 4.38% $10.31
180 months 4.63% $7.72

For qualified borrowers only. Other rates and terms available.

*Stated Annual Percentage Rate (APR) is for borrowers with credit score of 740 and above, loans secured by a 1st lien on the borrower’s principal dwelling, the maximum combined loan to value is 80%, and the payment is automatically deducted from a York Traditions Bank deposit account. The payment amount above does not include amounts for taxes and insurance premiums. The actual payment obligation could be greater.

**Payment amount is for $1,000 borrowed. Minimum Loan amount is $5,000.

Home Equity Loans: 2nd Lien as of December 4, 2019
Term APR* Payment**
36 months 4.49% $29.74
60 months 4.49% $18.64
84 months 4.63% $13.96
120 months 4.63% $10.43
180 months 4.88% $7.85

For qualified borrowers only. Other rates and terms available.

*Stated Annual Percentage Rate (APR) is for borrowers with credit score of 740 and above, loans secured by a 2nd lien on the borrower’s principal dwelling, the maximum combined loan to value is 80%, and the payment is automatically deducted from a York Traditions Bank deposit account.

**Payment amount is for $1,000 borrowed. Minimum Loan amount is $5,000.

Buying a car is easy with a York Traditions Bank Auto Loan. We offer a variety of terms designed to help meet your budget. Have your payment automatically deducted from a York Traditions Bank checking account and save even more!

Contact us for current rates 

If you are looking for temporary financing to help you move into your new home while you are waiting for your current home to sell, we have a Swing Loan product that can help. This loan offers competitive rates and flexible terms to fit your situation. It also offers interest-only payments.

Contact us for current rates 

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