APY Ledger rate-source excerpt. APY Ledger is an independent rate tracker, not affiliated with this institution.
Lines containing rates, copied from the public page below; open that page for full terms. Never enter account details on apyledger.com.

Source: https://www.orrstown.com/personal/rates
Read: 2026-10-22T16:54:03.000Z

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Minimum Balance to Obtain APY1 | APY¹
N/A | N/A
Minimum Balance to Obtain APY1 | APY¹
N/A | N/A
Minimum Balance to Obtain APY1 | APY¹
≥ $500 | 0.20%
Minimum Balance to Obtain APY1 | APY¹
$0.00 - $2,499.00 | 0.05%
$2,500.00 - $9,999.99 | 0.10%
$10,000 - $19,999.99 | 0.15%
$20,000.00 - $99,999.99 | 0.25%
$100,000 - $249,999.99 | 0.50%
$250,000.00 - $499,999.99 | 0.50%
> $500,000.00 | 0.55%
APY¹ Rate as of 9/21/2026. Interest rate and APY are variable and subject to change without notice after account opening. Fees may apply and could reduce earnings. See fee schedule for details. Minimum balance based on average daily balance. Certain features require enrollment and your account in good standing; fees may apply. Please see your account terms and conditions. Monthly maintenance fee may be avoided by maintaining the minimum balance requirement.
Minimum Balance to Obtain APY1 | APY¹
$0.01 | 0.20 %
Minimum Balance to Obtain APY¹ | APY¹
$0.01 - $2,499.99 | 0.01%
$2,500.00 - $14,999.99 | 0.30%
$15,000.00 - $34,999.99 | 0.35%
$35,000.00 - $64,999.99 | 0.50%
$65,000.00 - $99,999.99 | 0.50%
$100,000.00 - $199,999.99 | 1.26%
$200,000.00 - $299,999.99 | 1.26%
$300,000.00 - $499,999.99 | 1.56%
$500,000.00 - $999,999.99 | 1.56%
$1,000,000.00+ | 1.71%
Minimum Balance to Obtain APY¹ | APY¹
$0.01 - $2,499.99 | 0.01%
$2,500 - $14,999.99 | 0.25 %
$15,000 - $34,999.99 | 0.30 %
$35,000 - $99,999.99 | 0.45 %
$100,000 - $299,999.99 | 1.21 %
$300,000 - $999,999.99 | 1.51 %
$1,000,000.00+ | 1.66%
Minimum Balance to Obtain APY1 | APY¹
$250 | 0.20 %
Minimum Balance to Obtain APY1 | APY¹
$0 - $2,499 | 0.15 %
$2,500 - $9,999.99 | 0.25 %
$10,000+ | 0.30 %
APY¹ Rate as of 9/21/2026. Interest rate and APY are variable and subject to change without notice after account opening. Fees may apply and could reduce earnings. See fee schedule for details. Minimum balance based on average daily balance. Certain features require enrollment and your account in good standing; fees may apply. Please see your account terms and conditions. Monthly maintenance fee may be avoided by maintaining the minimum balance requirement.
Traditional CD | Rate | APY¹ | Minimum Balance
7-89 Days | 1.50% | 1.51% | $500.00
3-5 Months | 1.40% | 1.41% | $500.00
6–11 Months | 3.05% | 3.09% | $500.00
12-17 Months | 2.80% | 2.84% | $500.00
18-23 Months | 2.55% | 2.58% | $500.00
24-29 Months | 1.75% | 1.76% | $500.00
30-35 Months | 1.75% | 1.76% | $500.00
36-41 Months | 1.50% | 1.51% | $500.00
42-47 Months | 1.50% | 1.51% | $500.00
48-59 Months | 1.50% | 1.51% | $500.00
60-119 Months | 1.50% | 1.51% | $500.00
120 Months (Burial Funds ONLY) | 1.50% | 1.51% | $500.00
APY¹ Rate as of 9/21/2026. The interest rate and Annual Percentage Yield (APY) are fixed for the term of the CD and will not change after the account is opened. Fees may apply and could reduce earnings. See fee schedule for details.
IRA CDs | Rate | APY¹ | Minimum Balance
7-89 Days | 1.50% | 1.51% | $500.00
3-5 Months | 1.40% | 1.41% | $500.00
6–11 Months | 2.75% | 2.78% | $500.00
12-17 Months | 2.50% | 2.53% | $500.00
18-23 Months | 2.25% | 2.27% | $500.00
24-29 Months | 1.75% | 1.77% | $500.00
30-35 Months | 1.75% | 1.77% | $500.00
36-41 Months | 1.50% | 1.51% | $500.00
42-47 Months | 1.50% | 1.51% | $500.00
48-59 Months | 1.50% | 1.51% | $500.00
60-119 Months | 1.50% | 1.51% | $500.00
APY¹ Rate as of 9/21/2026. The interest rate and Annual Percentage Yield (APY) are fixed for the term of the CD and will not change after the account is opened. Fees may apply and could reduce earnings. See fee schedule for details.
Variable Tiered Interest Rate | APY2
$0.01 - $2,499.99 | 0.15 %
$2,500 - $9,999.99 | 0.15 %
$10,000 and Above | 0.15 %
APY2 Rate as of 9/21/2026. Interest rate and APY are variable and subject to change without notice after account opening. Fees may apply and could reduce earnings. See fee schedule for details.
Minimum Balance to Obtain APY¹ | APY¹
$0.01 - $2,499.99 | 0.05 %
$2,500 - $9,999.99 | 0.10 %
≥ $10,000 | 0.15 %
APY¹ Rate as of 9/21/2026. Interest rate and APY are variable and subject to change without notice after account opening. Fees may apply and could reduce earnings. See fee schedule for details. Minimum balance based on average daily balance. Certain features require enrollment and your account in good standing; fees may apply. Please see your account terms and conditions. Monthly maintenance fee may be avoided by maintaining the minimum balance requirement.
Minimum Balance to Obtain APY¹ | APY¹
$0.01 - $2,499.99 | 0.01%
$2,500 - $14,999.99 | 0.25 %
$15,000 - $34,999.99 | 0.30 %
$35,000 - $99,999.99 | 0.45 %
$100,000 - $299,999.99 | 1.21 %
$300,000 - $999,999.99 | 1.51 %
≥ $1,000,000 | 1.66 %
Minimum Balance to Obtain APY¹ | APY¹
$0.01 - $2,499.99 | 0.01%
$2,500.00 - $14,999.99 | 0.30%
$15,000.00 - $34,999.99 | 0.35%
$35,000.00 - $64,999.99 | 0.50%
$65,000.00 - $99,999.99 | 0.50%
$100,000.00 - $199,999.99 | 1.26%
$200,000.00 - $299,999.99 | 1.26%
$300,000.00 - $499,999.99 | 1.56%
$500,000.00 - $999,999.99 | 1.56%
$1,000,000.00+ | 1.71%
APY¹ Rate as of 9/21/2026. Interest rate and APY are variable and subject to change without notice after account opening. Fees may apply and could reduce earnings. See fee schedule for details. Minimum balance based on average daily balance. Certain features require enrollment and your account in good standing; fees may apply. Please see your account terms and conditions. Monthly maintenance fee may be avoided by maintaining the minimum balance requirement.
Annual Percentage Rate ( APY¹) by State
State | Intro Annual Percentage Rate (APR) - 6 Months | After Intro Annual Percentage Rate (APY1)
PA & WV | 1.99% | 6.50%
MD | 1.99% | 6.75%
APY¹ Rate as of 9/21/2026. After the 6-month introductory period, the rate will convert to a variable rate based on the Wall Street Journal Prime Rate plus a margin and will vary with market conditions. Current variable APR as of 9/17/2026 is 6.50% - 6.75%. Rate may increase after consummation. The 1.99% introductory APR requires enrollment in automatic payment from an Orrstown Bank deposit account. Without automatic payments, the introductory APR will be higher. If automatic payments are cancelled, the rate will adjust to the then-current variable rate. Subject to credit approval. Not available for refinancing existing Orrstown Bank HELOCs. Other terms and fees may apply. Visit Orrstown.com/SmartLock for complete details.
State | Annual Percentage Rate (APY¹)
PA & WV | 6.38 %
MD | 6.63 %
APY¹ Rate as of 9/21/2026. This Home Equity Installment Loan is secured by a mortgage on your property. The available credit, interest rate, and repayment terms are subject to credit approval, property valuation, and verification of income.
Term | APR1
0-60 Months | 6.80%
61-72 Months | 7.30%
73-84 Months | 8.05%
Age of Vehicle | Term | APR1
1-4 Years | 0-60 Months | 7.70 %
1-4 Years | 61-72 Months | 7.80 %
5-10 Years | 0-48 Months | 7.95 %
5-10 Years | 49-60 Months | 8.10 %
Account | Annual Percentage Rate (APR¹)
Unsecured Personal Loan | 11.49 %
Improved Lot/Land Loan | 7.10 %
Unimproved Lot/Land Loan | 7.60 %
APY¹ Rate as 9/21/2026. Variable rate; may change after account opening. Fees may reduce earnings.