Loan Rates

Unlock opportunities with our competitive Loan Rates. Empower your goals with secure, flexible options tailored to meet your needs. Experience unmatched value and support for your financial journey!

Rates Effective as of 4/27/2026

Term Up to 80% Loan to Value	Interest Rate	APR	Monthly Payment per $1,000.00		Minimum
1-5 Years (or 12 or 60 monthly payments	5.650%	5.671%	$19.17 (5 year example)		$10,000.00
6-10 Years (or 72 to 120 monthly payments)	6.100%	6.111%	$11.15 (10 year example)		$10,000.00
Promotion 10 Year Only	5.490%	5.501%	$10.85 (10-year example)	Automatic payment from JTNB Deposit account required	$10,000.00
11-15 Years (or 132 to 180 monthly payments)	6.250%	6.253%	$8.57 (15 year example)		$25,000.00
16-20 Years (or 192 to 240 monthly payments)	6.500%	6.501%	$7.46 (21 year example)	1st Lien Required	$50,000.00

JTNB refinances require $5,000.00 new money. Maximum loan amount $200,000.00. Loan & rate subject to credit approval and qualified borrowers.
For credit secured by a 1st lien, payment does not include amounts for taxes and insurance premiums, if applicable, and the actual payment amount will be greater.
Estimated closing costs range from $480.05 to $1,050.05 which include, property search, copy of deed, flood report, recording fees, credit report, doc prep and appraisal fee.
APR determined on minimum loan amount and maximum term
All rates subject to change. Please contact JTNB at (570)325-3631 for current rates.

Prime Rate (Floor rate of 4.00%)
The Annual Percentage Rate (APR) may vary monthly and is based on the prime lending rate as reported and published daily in the Wall Street Journal. Currently the prime rate is 6.750%. The maximum APR will be 18.00% with a floor rate of 4.00%. Property insurance will be required. Estimated closing costs range from $480.05 to $1,050.05 which include, property search, copy of deed, flood report, recording fees, credit report, doc prep and appraisal fee.

Term	Rate	APR	Monthly payment per $1,000.00
1-5 Year (12 to 60 monthly payments)	7.000%	6.997%	$19.80
6 Year (or 72 monthly payments	7.500%	7.500%	$17.29

Please contact Jim Thorpe Neighborhood Bank for additional loan options. All rates subject to change. Please contact JTNB at (570)325-3631 for current rates.

Term	Rate	APR	Monthly payment per $1,000.00
4 Year (or 48 monthly payments)-20% Down Payment	8.250%	8.249%	$24.53

Please contact Jim Thorpe Neighborhood Bank for additional loan options. All rates subject to change. Please contact JTNB at (570)325-3631 for current rates.

Term	Rate	APR	Monthly payment per $1,000.00	Minimum
1-4 Year (or 12-48 monthly payments) Secured	7.500%	7.502%	$24.18	$5,000

All rates subject to change. Please contact JTNB at (570)325-3631 for current rates. For additional loan options contact one of our lenders listed below.

For Consumer and Residential Lending please contact:

Karen A. Kupres- NMLS #543620
Direct: (484) 613-1199
Telephone: (610) 379-5051

Tawny M. Delich – NMLS #481896
Direct: (570) 249-6563
Telephone: (570) 325-3631

For Commercial and Business Lending please contact:

Richard Kistner – NMLS #877893
Direct: (570)249-6649
Telephone: (570)325-3631

Courtney Miller – NMLS #2626354
Direct: (570)249-6733
Telephone: (570)325-3631

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