DNB First - Rates

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Apply for a Hime Equity Loan or Line Credit

	CDs
	Checking
	Savings
	Money Market
	Personal/Unsecured
	Automobile
	Home Equity

YIELDS and RATES

Fees on deposit accounts may reduce earnings
APY is Annual Percentage Yield
APR is Annual Percentage Rate
Annual Percentage Yield is effective as of 3/14/2010
Savings, Money Market and Interest Bearing Checking Accounts are variable rate accounts. Rates are subject to change after account opening.
Minimum balance is defined as balance required to earn APY (annual percentage yield)

CD Rates

TERM	MIN BAL	COMPOUNDING	APY	RATE
3 Months	$1,000	Daily	0.35%	0..35%
6 Months	$1,000	Daily	0.50%	0.50%
7 Months	$1,000	Daily	0.50%	0.50%
9 Months	$1,000	Daily	0.50%	0.50%
11 Months	$1,000	Daily	0.60%	0.60%
12 Months	$1,000	Daily	0.60%	0.60%
13 Months	$1,000	Daily	0.60%	0.60%
15 Months	$1,000	Daily	0.70%	0.70%
18 Months	$1,000	Daily	0.75%	0.75%
36 Months	$1,000	Daily	1.60%	1.59%
24 Months	$1,000	Daily	1.45%	1.44%
48 Months	$1,000	Daily	1.75%	1.73%
60 Months	$1,000	Daily	2.20%	2.18%

NOTE: A penalty will be imposed for early withdrawal.

Interest Bearing Checking Accounts

TYPE	MIN BAL	APY	RATE
DNB Premium Rewards Checking	$0.01 - 35,000	2.00%	1.98%
DNB Premium Rewards Checking	$35,000.01 up	1.00%	1.00%
DNB Premium Rewards (not meeting requirements)	$0.01 up	0.10%	0.10%
DNB FIRST Checking – Tier 1	$1,000	0.01%	0.01%
DNB FIRST Checking – Tier 2	$5000	0.02%	0.02%
Diamond Checking - Tier I	$500	0.01%	0.01%
Diamond Checking - Tier II	$5000	0.02%	0.02%
DNB Premium Checking	$0.01**	0.02%	0.02%

*Click for details on requirements.

**$15,000 in combined balances in DNB First deposit accounts, home equity loans and lines.

Savings Accounts

TYPE	MIN BAL	APY	RATE
Platinum Account - DNB Premium Checking & Direct Deposit required - Tier 6	$250,000	1.00%	1.00%
Platinum Account - DNB Premium Checking & Direct Deposit required - Tier 5	$100,000	1.00%	1.00%
Platinum Account - DNB Premium Checking and Direct Deposit required- Tier 4	$50,000	1.00%	1.00%
Platinum Account - Tier 3	$50,000	0.75%	0.75%
Platinum Account - Tier 2	$25,000	0.40%	0.40%
Platinum Account - Tier 1	$10,000	0.20%	0.20%
Platinum Account	< $10,000	0%	0%
Statement Savings	$150	0.20%	0.20%
Statement Savings-Minors	$50	0.20%	0.20%

Money Market Accounts

TYPE	MIN BAL	APY	RATE
Premier Money Market Tier IV	$100,000	1.00%	1.00%
Premier Money Market Tier III	$50,000	0.75%	0.75%
Premier Money Market Tier II	$25,000	0.75%	0.75%
Premier Money Market Tier I	$0.01	0.25%	0.25%

*New Money Only - $25,000 minimum to open account and a cap of $1,000,000 in the account.

CLICK HERE for Loan Application

Personal or Unsecured Loans

TERM	INTEREST RATE	# MONTHS PAYMENT BASED ON for $10,000	PAYMENT AMOUNT
12-36 Months	11.00% APR	12 Months	$883.98
37-60 Months	11.75% APR	37 Months	$323.56

*Annual Percentage Rate

Automobile Loans

New Auto Loan Rates

TERM	INTEREST RATE	# MONTHS PAYMENT AMOUNT BASED ON	PAYMENT AMOUNT FOR $10,000
Up to 60 Months	5.90% APR	36	$303
Up to 72 Months	6.49% APR*	72	$168

*Annual Percentage Rate, Minimum FICO score of 720 for 72 month financing.

Used Auto Loan Rates

AGE OF VEHICLE	INTEREST RATE	# MONTHS PAYMENT AMOUNT BASED ON	PAYMENT AMOUNT FOR $10,000
Current model year up to one year of age	7.00% APR	60	$198
Two years of age	7.25% APR	48	$240
Three and Four years of age	7.75% APR	36	$312

*Annual Percentage Rate, all loans available up to 60 months

Home Equity Loans

Less than $10,000

TERM	RATE	INTEREST RATE (With automatic payment from a DNB account)	PAYMENT AMOUNT FOR $5,000 and AUTO PAYMENT RATE
5 Years	6.00% APR	5.50% APR	$95.51

*Annual Percentage Rate

$10,000 to $49,999

TERM	RATE	INTEREST RATE (With automatic payment from a DNB account)	PAYMENT AMOUNT FOR $10,000 and AUTO PAYMENT RATE
5 Years	6.00% APR	5.50% APR	$191.01
8 Years	6.40% APR	5.90% APR	$130.93
10 Years	6.40% APR	5.90% APR	$110.52
15 Years	6.75% APR	6.25% APR	$85.74

*Minimum $50,000 for 180 months.
*Minimum $10,000 for greater than 60 months.

*Annual Percentage Rate

$50,000 and Higher

TERM	RATE	INTEREST RATE (With automatic payment from a DNB account)	PAYMENT AMOUNT FOR $50,000 and AUTO PAYMENT RATE
5 Years	6.00% APR	5.50% APR	$955.06
7 Years	6.40% APR	5.90% APR	$728.03
10 Years	6.40% APR	5.90% APR	$552.59
12 Years	6.75% APR	6.25% APR	$494.42
15 Years	6.75% APR	6.25% APR	$428.71
20 Years	7.00% APR	6.50% APR	$372.79

*Annual Percentage Rate

Easy Line of Credit

We are pleased to offer you a rate of Wall Street Journal Prime + 1.00% for the term of your loan (dependent on meeting other lending criteria). New lines feature a floor of 4.50% with automatic monthly payment deduction from a DNB First deposit account.

The Annual Percentage Rate (APR) is tied to the Wall Street Journal Prime rate and may change as often as daily. The maximum APR that may be charged is 18.00%. Other factors, including credit history may affect the assigned rate. There is no application fee. A minimum advance requirement of $100.00 applies. A minimum principal payment of .556% of the outstanding principal balance, or $100.00, whichever is greater, shall be due monthly in addition to billed interest. Consult your tax advisor for tax deductibility.

Interest Only

We are pleased to offer you a rate of Wall Street Journal Prime + 1.00% for the term of your loan (dependent on meeting other lending criteria). New lines feature a floor of 5.00% with automatic monthly payment deduction from a DNB First deposit account.

The Annual Percentage Rate (APR) is tied to the Wall Street Journal Prime rate and may change as often as daily. The maximum APR that may be charged is 18.00%. Other factors, including credit history may affect the assigned rate. There is no application fee. A minimum advance requirement of $100.00 applies. Consult your tax advisor for tax deductibility.

Other rates and terms are available
Call 484-691-DNB1 for more details.

EQUAL HOUSING LENDER
RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.

Interest rate is presented for illustrative purposes only. Your actual APR may be higher based on your credit history, loan amount and combined loan-to-value ratio. Early termination fee of $350 if canceled within 24 months.

ALL LOANS ARE RESTRICTED TO DNB FIRST’S MARKET AREA AND ARE SUBJECT TO CREDIT APPROVAL.