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Personal Loans

  • Unsecured with limit of $5,000.00: 13.50% APR* with monthly payment terms arranged
  • Unsecured Line of Credit with a limit of $5,000.00: Prime + 6% margin***

Automobile Loans

  • Used: 5.50% APR* with monthly payment terms arranged
  • New (Up to 48 months): 3.99% APR* with monthly payment terms arranged
  • New (Up to 60 months): 4.25% APR* with monthly payment terms arranged

Home Equity Loans

  • 3.50% APR* with a maximum term of 60 months**
  • 4.25% APR* with a maximum term of 120 months**
  • Line of Credit: 4.00%****

Real Estate First Mortgages

Fixed; 1 point: 

  • 3.350% Interest Rate (Up to 180 Months)
  • 3.544% APR* with monthly payment terms arranged
  • 3.800% Interest Rate (181 Months to 240 Months)
  • 3.953% APR* with monthly payment terms arranged
  • 4.050% Interest Rate (241 Months to 360 Months)
  • 4.163% APR* with monthly payment terms arranged

Fixed; 0 point: 

  • 3.600% Interest Rate (Up to 180 Months)
  • 3.648% APR* with monthly payment terms arranged
  • 4.050% Interest Rate (181 Months to 240 Months)
  • 4.088% APR* with monthly payment terms arranged
  • 4.250% Interest Rate (241 Months to 360 Months)
  • 4.279% APR* with monthly payment terms arranged

We also offer debt consolidation loans, recreational vehicle loans and construction mortgages. Additional fees may apply.

We have provided a Loan Payment Calculator so that you can calculate your loan payments.   If you have any questions on these products or services, please call us at 610-767-3875 or e-mail us by This email address is being protected from spambots. You need JavaScript enabled to view it..

Loan Originators

Lender Number  
Kevin A. Schmidt 738071
Ronald B. Gildner 738069
Ronald K. Miller 738068
Marianne C. Eisenhauer       897384
Mark K. Haldaman 1306060
Ann Marie L. Osika 1575487

     *APR - Annual Percentage Rate: Interest rates are effective as of 03/23/17 Business Day and are subject to change. Interest rates for Personal, Automobile, Mobile Homes, Commercial Vehicles, and Equity Loans can be reduced by .25% if payments are automatically deducted from your Neffs Bank Checking or Savings Accounts.  Interest rates for Consumer Real Estate First Mortgages can be reduced by .05% if payments are automatically deducted from your Neffs Bank Checking or Savings Accounts.
   **Example: The monthly payment per $10,000 borrowed at 3.50% APR for 60 months would be $181.92. The monthly payment per $10,000 borrowed at 4.25% for 120 months would be $102.45.
 ***The Unsecured Line of Credit is a variable rate product. The current APR is 10.00%. The maximum APR is 21%.
****The Home Equity Line of Credit is a variable rate product. The current APR is 4.00%. The maximum APR is 21%.