Rates: Personal Lending

Consumer Lending Rates

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Home Equity Loan Rates*

PL-5yrB

PL-10yrPL-15yr
This product is a fixed rate, closed-end loan secured by your primary residence. 80% maximum loan to value. Cannot be used for home purchase. Property insurance is required. An appraisal and flood insurance may be required. Title insurance required on loans $250,000 or greater. Maximum loan amount $300,000. Annual Percentage Rates (APR’s) listed are accurate as of 7/12/16 and require $15,000 in new money and automatic payments from a JBT checking or savings account. Add 1/4 % for coupon book. Other rates available for loans that will satisfy existing JBT loans. For more information about current rates, applicable fees, and available terms, or for non-owner occupied real estate loans, contact JBT’s Client Resource Center at (717) 274-5180 (Option 1) or visit our Online Loan Center for details.

*Examples: The monthly payment on a 3.49% APR five year loan of $15,000 is $272.84. The monthly payment on a 4.29% APR ten year loan is $153.97. The monthly payment on a 4.99% APR fifteen year loan is $118.57. These are examples of Annual Percentages Rates (APR’s) and payments. Your APR and payment will be determined based on your credit qualifications. Payments do not include amounts for taxes and insurance premiums; your actual payment obligation will be greater. Rates and terms may be changed or withdrawn at any time.

Home Equity Line of Credit Rates*

HELOC RATES Concept_01b
This product is a variable rate, open-end loan secured by your primary residence. 80% maximum loan to value. Cannot be used for home purchase. Property insurance is required. An appraisal and flood insurance may be required. Title insurance required on loans $250,000 or greater. Maximum loan amount $300,000. Loan fees ranging from $297 to $2,732 may apply. Annual Percentage Rates (APR’s) listed are accurate as of 7/12/16 and require $15,000 in new money. Other rates available for loans that will satisfy existing JBT loans. For more information about current rates, applicable fees, and available terms, or for non-owner occupied real estate loans, contact JBT’s Client Resource Center at (717) 274-5180 (Option 1) or visit our Online Loan Center for details.

*Example: Initial introductory Annual Percentage Rate (APR) of 1.99% is fixed for one year. After 1 year introductory period, Annual Percentage Rate (APR) is based on an index (Wall Street Journal Prime Rate) plus a margin of 0% (3.50% APR accurate as of 7/12/16). APR may vary. Your initial introductory APR and your APR thereafter will be determined based on your credit qualifications. Maximum APR is 18.00%. Rates and terms may be changed or withdrawn at any time

Mortgage Rates

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Please call JBT's Client Resource Center at (717) 274-5180 (Option 1) or visit our Online Loan Center for our current rates.

Personal Loan Rates*

PL-RATES-BLOCK-MASTER_01b

This product is a fixed rate, closed-end unsecured loan. Annual Percentage Rate (APR) listed is accurate as of 7/12/16 and requires automatic payments from a JBT checking or savings account. Add 1/4 % for coupon book. For more information about current rates, applicable fees, and available terms, contact JBT’s Client Resource Center at (717) 274-5180 (Option 1) or visit our Online Loan Center for details.

*Example: The monthly payment on an 8.99% Annual Percentage Rate (APR) five year loan of $5,000 is $103.80. This is an example of an APR and payment. Your APR and payment will be determined based on your credit qualifications. Rates and terms may be changed or withdrawn at any time.

Personal Line of Credit Rates*

LoC-RATES-BLOCK-MASTER_01a

This product is a variable rate, unsecured open-end loan. Annual Percentage Rate (APR) listed is accurate as of 7/12/16. For more information about current rates, applicable fees, and available terms, contact JBT’s Client Resource Center at (717) 274-5180 (Option 1) or visit our Online Loan Center for details.

*Example: Annual Percentage Rate (APR) is based on an index (Wall Street Journal Prime Rate - 3.50%, accurate as of 7/12/16) plus a margin of 4%, for a total APR of 7.50% accurate as of 7/12/16. APR may vary. Your APR will be determined based on your credit qualifications. Rates and terms may be changed or withdrawn at any time.

Auto Loan Rates

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This product is a fixed rate, closed-end loan secured by your automobile. Your Annual Percentage Rate (APR) will be determined by the year of the automobile, the term of the loan, and your credit qualifications. For more information about current rates, applicable fees, and available terms, contact JBT's Client Resource Center at (717) 274-5180 (Option 1) or visit our Online Loan Center for details.

Credit Builder Loan Rates*

CreditBldr-RATES-BLOCK-MASTER_01b

This product is a fixed rate, closed-end loan secured by a JBT Certificate of Deposit. Interest rates and programs subject to change without notice. For more information about current rates, applicable fees, and available terms, contact JBT's Client Resource Center at (717) 274-5180 (Option 1) or visit our Online Loan Center for details.

*Your Annual Percentage Rate (APR) and payment will be determined based on the APY of the JBT certificate of deposit plus a margin of 2.00% (with loan term equal to the term of the JBT certificate of deposit). Other terms and fees may increase APR's.  Rate includes automatic debit from JBT deposit account. Add ¼% for coupon book.