Personal Loan Rates

View Current Mortgage Rates

 

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

Home Equity Line of Credit Rates

Borrow $30,000 or more with a good credit history and take advantage of our best home equity line of credit rates.

Promotional rates for Tier 1 and Tier 2 credit score.

6-Month Introductory Fixed Rate As low as 4.99% APR (Tier 1)
6-Month Introductory Fixed Rate As low as 5.24% APR (Tier 2)
Variable Rate/Current APR As low as 8.50% APR

Subject to credit approval. 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. Maximum loan amount $500,000. Line closing will include any third-party fees for appraisal, credit report, flood certification, flood life of loan, title search, notary, tax certifications, and recording. Annual Percentage Rates (APR’s) listed are accurate as of 07/02/24. • Promotional rates and terms described in this offer are only valid for Tier 1 credit score (740 and above) and Tier 2 credit score (700 – 739) as determined by TransUnion FICO Classic (09) credit score obtained by JBT at time of loan application and requires $30,000 in new money.  For joint applications, the Tier is determined by selecting the higher of the TransUnion FICO Classic (09) credit scores. Rate and term example Tier 1: Initial introductory Annual Percentage Rate (APR) of 4.99% is fixed for six months.  After 6-month introductory period, Annual Percentage Rate (APR) is based on an index (Wall Street Journal Prime Rate) plus a margin of 0% (8.50% APR accurate as of 07/02/24). Your initial introductory APR and your APR thereafter will be determined based on your credit qualifications. APR may vary. Maximum APR is 18.00%.  Rate and term example Tier 2: Initial introductory Annual Percentage Rate (APR) of 5.24% is fixed for six months.  After 6-month introductory period, Annual Percentage Rate (APR) is based on an index (Wall Street Journal Prime Rate) plus a margin of .25% (8.75% APR accurate as of 07/02/24). Your initial introductory APR and your APR thereafter will be determined based on your credit qualifications. APR may vary. Maximum APR is 18.00%.  Automatic debit payments are required for to receive this product’s terms and rates. Without automatic debit payments, the introductory Annual Percentage Rate and the Annual Percentage Rate after the 6-month introductory period is .50% higher. Rates and terms may be changed or withdrawn at any time. Other rates and terms available for lines that do not qualify for this offer (including lines that do not include $30,000 in new money or lines with credit scores < 700). Loan fees ranging from $420 to $800 will apply. 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 apply for a Personal Loan by clicking here.
 
Fixed term option: You may lock in all or a portion of your home equity line up to 10 times (maximum 3 concurrent locks) over the life of the line. Terms available from 1 year to 20 years maximum. Minimum $5,000 to lock in. There is a $125 conversion fee each time you establish a lock-in rate.
 

Personal Loan Rates
Five-Year Fixed Rate As low as 11.99% APR $111.26/Month for $5,000*

Subject to credit approval. This product is a fixed rate, closed-end unsecured loan. Annual Percentage Rate (APR) listed is accurate as of 07/02/24 and requires the establishment of automatic payments from a JBT checking or savings account at the time of the loan settlement. Add .50% for any other payment method. For more information about current rates, applicable fees, and available terms, contact JBT’s Client Resource Center at 717-274-5180 (Option 1) or apply for a Personal Loan by clicking here.

*Example: The monthly payment on an 11.99% Annual Percentage Rate (APR) five year loan of $5,000 is $111.26. 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
As low as 12.50%* APR

Subject to credit approval. This product is a variable rate, unsecured open-end loan. Annual Percentage Rate (APR) listed is accurate as of 07/02/24. For more information about current rates, applicable fees, and available terms, contact JBT’s Client Resource Center at (717) 274-5180 (Option 1) or apply for a Personal Loan by clicking here.

*Example: Annual Percentage Rate (APR) is based on an index - Wall Street Journal Prime Rate (8.50% accurate as of 07/02/24) plus a margin of 4% (total APR of 12.50% accurate as of 07/02/24).  APR may vary. Your APR will be determined based on your credit qualifications. Rates and terms may be changed or withdrawn at any time.

Build Your Credit!
Contact us for your personalized solution.

 

This product is a fixed rate, closed-end loan secured by a JBT Savings Account. 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 apply for a Credit Builder Loan by clicking here.

* Subject to credit approval. Your Annual Percentage Rate (APR) and payment will be determined based on the Annual Percentage Yield (APY) of a fixed rate savings account.  Other terms and fees may increase APR's. Rate includes automatic debit from JBT deposit account. Add 0.50% for any other payment method.

Great Rates!
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Subject to credit approval. 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 apply for a Personal Loan by clicking here.