What are the current interest rates at QNB Bank?

Current rates for QNB Bank include: 12-Month CD: 0.25%, 18-Month CD: 2.47%, 24-Month CD: 2.23%, 36-Month CD: 0.99%, 48-Month CD: 1.09%, 60-Month CD: 1.24%, Savings: 1.70%, MMA: 3.45%

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QNB Bank Rates & Review October 2026

Q: How many branches does QNB Bank operate?

QNB Bank currently maintains approximately 18 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, QNB Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, QNB Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

QNB Bank's top rates as of October 14, 2026 are 3.00% APY on its 6-Months 6-Month Growth CD, 1.70% APY on savings, 3.45% APY on money market accounts, 1.25% APY on checking, and personal loans from 11.00% APR, according to rates verified by MonitorBankRates. Other QNB Bank CD rates include 6-Months 6-Month Growth CD at 3.00%, 6-Months 6-Month Income CD at 2.96%, and 6-Months 6-Month Income CD at 2.96%. MonitorBankRates evaluates the financial stability of QNB Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.97%. Rates last updated and verified on 10/14/2026.

QNB Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at QNB Bank? Share your experience about QNB Bank by leaving a review below, or read customer reviews before you decide to use QNB Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.97%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

QNB Bank

15 N 3rd St
Quakertown, PA 18951

https://www.qnbbank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

QNB Bank CD Rates

Product	Rate	APY	Term
6 Month Growth CD	2.96%	3.00%	6 months
Min Deposit $500 Details $500.00 Minimum Growth CD; Apply Online; Compounded interest; $500.00 minimum required to open Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
6 Month Growth CD	2.96%	3.00%	6 months
Min Deposit $100,000 Details $100,000.00 Minimum table; Apply Online; Compounded interest; Growth CD footnote 3 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
6 Month Income CD	2.96%	2.96%	6 months
Min Deposit $5,000 Details $5,000.00 Minimum Income CD; Apply Online; Simple interest paid at an annual rate; Requires interest deposited into a QNB savings, checking, or money market account; Income CDs available for in-branch account opening only; $5,000.00 minimum required to open Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.96% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
6 Month Income CD	2.96%	2.96%	6 months
Min Deposit $100,000 Details $100,000.00 Minimum table; Apply Online; Simple interest paid at an annual rate; Income CD footnote 4 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.96% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
18 Month Growth CD	2.47%	2.50%	18 months
Min Deposit $500 Details $500.00 Minimum Growth CD; Apply Online; Compounded interest; $500.00 minimum required to open Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
18 Month Growth CD	2.47%	2.50%	18 months
Min Deposit $100,000 Details $100,000.00 Minimum table; Apply Online; Compounded interest; Growth CD footnote 3 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
18 Month Income CD	2.47%	2.47%	18 months
Min Deposit $5,000 Details $5,000.00 Minimum Income CD; Apply Online; Simple interest paid at an annual rate; Requires interest deposited into a QNB savings, checking, or money market account; Income CDs available for in-branch account opening only; $5,000.00 minimum required to open Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.47% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
18 Month Income CD	2.47%	2.47%	18 months
Min Deposit $100,000 Details $100,000.00 Minimum table; Apply Online; Simple interest paid at an annual rate; Income CD footnote 4 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.47% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
24 Month Growth CD	2.23%	2.25%	24 months
Min Deposit $500 Details $500.00 Minimum Growth CD; Apply Online; Compounded interest; $500.00 minimum required to open Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
24 Month Growth CD	2.23%	2.25%	24 months
Min Deposit $100,000 Details $100,000.00 Minimum table; Apply Online; Compounded interest; Growth CD footnote 3 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
24 Month Income CD	2.23%	2.23%	24 months
Min Deposit $5,000 Details $5,000.00 Minimum Income CD; Apply Online; Simple interest paid at an annual rate; Requires interest deposited into a QNB savings, checking, or money market account; Income CDs available for in-branch account opening only; $5,000.00 minimum required to open Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.23% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
24 Month Income CD	2.23%	2.23%	24 months
Min Deposit $100,000 Details $100,000.00 Minimum table; Apply Online; Simple interest paid at an annual rate; Income CD footnote 4 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.23% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
60 Month Growth CD	1.24%	1.25%	60 months
Min Deposit $500 Details $500.00 Minimum Growth CD; Apply Online; Compounded interest; $500.00 minimum required to open Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
60 Month Growth CD	1.24%	1.25%	60 months
Min Deposit $100,000 Details $100,000.00 Minimum table; Apply Online; Compounded interest; Growth CD footnote 3 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
60 Month Income CD	1.24%	1.24%	60 months
Min Deposit $5,000 Details $5,000.00 Minimum Income CD; Apply Online; Simple interest paid at an annual rate; Requires interest deposited into a QNB savings, checking, or money market account; Income CDs available for in-branch account opening only; $5,000.00 minimum required to open Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 1.24% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
60 Month Income CD	1.24%	1.24%	60 months
Min Deposit $100,000 Details $100,000.00 Minimum table; Apply Online; Simple interest paid at an annual rate; Income CD footnote 4 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 1.24% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
48 Month Growth CD	1.09%	1.10%	48 months
Min Deposit $500 Details $500.00 Minimum Growth CD; Apply Online; Compounded interest; $500.00 minimum required to open Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 1.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
48 Month Growth CD	1.09%	1.10%	48 months
Min Deposit $100,000 Details $100,000.00 Minimum table; Apply Online; Compounded interest; Growth CD footnote 3 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 1.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
48 Month Income CD	1.09%	1.09%	48 months
Min Deposit $5,000 Details $5,000.00 Minimum Income CD; Apply Online; Simple interest paid at an annual rate; Requires interest deposited into a QNB savings, checking, or money market account; Income CDs available for in-branch account opening only; $5,000.00 minimum required to open Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 1.09% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
48 Month Income CD	1.09%	1.09%	48 months
Min Deposit $100,000 Details $100,000.00 Minimum table; Apply Online; Simple interest paid at an annual rate; Income CD footnote 4 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 1.09% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
36 Month Growth CD	0.99%	1.00%	36 months
Min Deposit $500 Details $500.00 Minimum Growth CD; Apply Online; Compounded interest; $500.00 minimum required to open Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
36 Month Growth CD	0.99%	1.00%	36 months
Min Deposit $100,000 Details $100,000.00 Minimum table; Apply Online; Compounded interest; Growth CD footnote 3 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
36 Month Income CD	0.99%	0.99%	36 months
Min Deposit $5,000 Details $5,000.00 Minimum Income CD; Apply Online; Simple interest paid at an annual rate; Requires interest deposited into a QNB savings, checking, or money market account; Income CDs available for in-branch account opening only; $5,000.00 minimum required to open Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.99% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
36 Month Income CD	0.99%	0.99%	36 months
Min Deposit $100,000 Details $100,000.00 Minimum table; Apply Online; Simple interest paid at an annual rate; Income CD footnote 4 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.99% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
12 Month Flex 12 CD	0.25%	0.25%	12 months
Min Deposit $250 Details Growth CD; Apply Online Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
12 Month Growth CD	0.25%	0.25%	12 months
Min Deposit $500 Details $500.00 Minimum Growth CD; Apply Online; Compounded interest; $500.00 minimum required to open Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
12 Month Growth CD	0.25%	0.25%	12 months
Min Deposit $100,000 Details $100,000.00 Minimum table; Apply Online; Compounded interest; Growth CD footnote 3 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
12 Month Income CD	0.25%	0.25%	12 months
Min Deposit $5,000 Details $5,000.00 Minimum Income CD; Apply Online; Simple interest paid at an annual rate; Requires interest deposited into a QNB savings, checking, or money market account; Income CDs available for in-branch account opening only; $5,000.00 minimum required to open Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
12 Month Income CD	0.25%	0.25%	12 months
Min Deposit $100,000 Details $100,000.00 Minimum table; Apply Online; Simple interest paid at an annual rate; Income CD footnote 4 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
3 Month Growth CD	0.20%	0.20%	3 months
Min Deposit $500 Details $500.00 Minimum Growth CD; Apply Online; Compounded interest; $500.00 minimum required to open Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
3 Month Growth CD	0.20%	0.20%	3 months
Min Deposit $100,000 Details $100,000.00 Minimum table; Apply Online; Compounded interest; Growth CD footnote 3 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
3 Month Income CD	0.20%	0.20%	3 months
Min Deposit $5,000 Details $5,000.00 Minimum Income CD; Apply Online; Simple interest paid at an annual rate; Requires interest deposited into a QNB savings, checking, or money market account; Income CDs available for in-branch account opening only; $5,000.00 minimum required to open Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
3 Month Income CD	0.20%	0.20%	3 months
Min Deposit $100,000 Details $100,000.00 Minimum table; Apply Online; Simple interest paid at an annual rate; Income CD footnote 4 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
30 - 59 Day Growth CD	0.10%	0.10%	30 - 59 days
Min Balance $100,000 Details $100,000.00 Minimum Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
30 - 59 Day Income CD	0.10%	0.10%	30 - 59 days
Min Balance $100,000 Details $100,000.00 Minimum; In-Branch Only Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
60 - 89 Day Growth CD	0.10%	0.10%	60 - 89 days
Min Balance $100,000 Details $100,000.00 Minimum Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
60 - 89 Day Income CD	0.10%	0.10%	60 - 89 days
Min Balance $100,000 Details $100,000.00 Minimum; In-Branch Only Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%

QNB Bank Savings Rates

Product	Rate	APY
Personal Online eSavings	1.69%	1.70%
Min Deposit $5 Details Apply Online Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Individual/Family Health Savings	0.35%	0.35%
Min Deposit $25 Min Balance $5,000 Details Balance: $5,000 and over Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Individual/Family Health Savings	0.20%	0.20%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 - $4,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal EZ Saver Clubs	0.10%	0.10%
Min Deposit $5 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal Statement Savings	0.10%	0.10%
Min Deposit $5 Details Apply Online Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%

QNB Bank Business Savings Rates

Product	Rate	APY	View More
Business Statement Savings	0.10%	0.10%
Min Deposit $5 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%

QNB Bank Money Market Rates

Product	Rate	APY
Personal High Yield Money Market	3.40%	3.45%
Min Deposit $25 Min Balance $2,500,000 Details Apply Online; Balance: $2,500,000 and over Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30% Sep 24, 20263.45%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal High Yield Money Market	3.35%	3.40%
Min Deposit $25 Min Balance $1,500,000 Details Apply Online; Balance: $1,500,000 - $2,499,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25% Sep 24, 20263.40%▲ from 3.25% Sep 18, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal High Yield Money Market	3.30%	3.35%
Min Deposit $25 Min Balance $1,000,000 Details Apply Online; Balance: $1,000,000 - $1,499,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.20% → 3.35% ▲ 0.15 pts · high 3.35% / low 3.20% Sep 24, 20263.35%▲ from 3.20% Sep 18, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal High Yield Money Market	2.72%	2.75%
Min Deposit $25 Min Balance $750,000 Details Apply Online; Balance: $750,000 - $999,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 2.60% → 2.75% ▲ 0.15 pts · high 2.75% / low 2.60% Sep 24, 20262.75%▲ from 2.60% Sep 18, 20262.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal High Yield Money Market	2.67%	2.70%
Min Deposit $25 Min Balance $500,000 Details Apply Online; Balance: $500,000 - $749,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 2.55% → 2.70% ▲ 0.15 pts · high 2.70% / low 2.55% Sep 24, 20262.70%▲ from 2.55% Sep 18, 20262.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal High Yield Money Market	2.62%	2.65%
Min Deposit $25 Min Balance $250,000 Details Apply Online; Balance: $250,000 - $499,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50% Sep 24, 20262.65%▲ from 2.50% Sep 18, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal High Yield Money Market	2.18%	2.20%
Min Deposit $25 Min Balance $100,000 Details Apply Online; Balance: $100,000 - $249,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 2.05% → 2.20% ▲ 0.15 pts · high 2.20% / low 2.05% Sep 24, 20262.20%▲ from 2.05% Sep 18, 20262.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal Select Money Market	0.70%	0.70%
Min Deposit $25 Min Balance $75,000 Details Apply Online; Balance: $75,000 and over Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal Select Money Market	0.55%	0.55%
Min Deposit $25 Min Balance $50,000 Details Apply Online; Balance: $50,000 - $74,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal Select Money Market	0.45%	0.45%
Min Deposit $25 Min Balance $25,000 Details Apply Online; Balance: $25,000 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal Select Money Market	0.40%	0.40%
Min Deposit $25 Min Balance $10,000 Details Apply Online; Balance: $10,000 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal Select Money Market	0.35%	0.35%
Min Deposit $25 Min Balance $0 Details Apply Online; Balance: $0.01 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal High Yield Money Market	0.01%	0.01%
Min Deposit $25 Min Balance $0 Details Apply Online; Balance: $0.01 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%

QNB Bank Business Money Market Rates

Product	Rate	APY
Business High Yield Money Market	3.40%	3.45%
Min Deposit $25 Min Balance $2,500,000 Details Balance: $2,500,000 and over Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30% Sep 24, 20263.45%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business High Yield Money Market	3.35%	3.40%
Min Deposit $25 Min Balance $1,500,000 Details Balance: $1,500,000 - $2,499,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25% Sep 24, 20263.40%▲ from 3.25% Sep 18, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business High Yield Money Market	3.30%	3.35%
Min Deposit $25 Min Balance $1,000,000 Details Balance: $1,000,000 - $1,499,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.20% → 3.35% ▲ 0.15 pts · high 3.35% / low 3.20% Sep 24, 20263.35%▲ from 3.20% Sep 18, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business High Yield Money Market	2.72%	2.75%
Min Deposit $25 Min Balance $750,000 Details Balance: $750,000 - $999,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 2.60% → 2.75% ▲ 0.15 pts · high 2.75% / low 2.60% Sep 24, 20262.75%▲ from 2.60% Sep 18, 20262.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business High Yield Money Market	2.67%	2.70%
Min Deposit $25 Min Balance $500,000 Details Balance: $500,000 - $749,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 2.55% → 2.70% ▲ 0.15 pts · high 2.70% / low 2.55% Sep 24, 20262.70%▲ from 2.55% Sep 18, 20262.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business High Yield Money Market	2.62%	2.65%
Min Deposit $25 Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50% Sep 24, 20262.65%▲ from 2.50% Sep 18, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business High Yield Money Market	2.18%	2.20%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 2.05% → 2.20% ▲ 0.15 pts · high 2.20% / low 2.05% Sep 24, 20262.20%▲ from 2.05% Sep 18, 20262.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business Select Money Market	1.39%	1.40%
Min Deposit $25 Min Balance $75,000 Details Balance: $75,000 and over Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business Select Money Market	1.14%	1.15%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - $74,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business Select Money Market	0.80%	0.80%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business Select Money Market	0.55%	0.55%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business Select Money Market	0.50%	0.50%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business Escrow Money Market	0.35%	0.35%
Min Balance $1,500 Details Balance: $1,500 and over Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business Escrow Money Market	0.20%	0.20%
Min Balance $0 Details Balance: $0.01 - $1,499.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business High Yield Money Market	0.01%	0.01%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%

QNB Bank Checking Rates

Product	Rate	APY	View More
Personal QNB Rewards Checking	1.24%	1.25%
Min Deposit $25 Min Balance $0 Details Apply Online; Qualifying balance up to $24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%

QNB Bank Business Checking Rates

Product	Rate	APY
Business Community Service Checking	0.10%	0.10%
Min Deposit $25 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business Interest Checking	0.10%	0.10%
Min Deposit $25 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%

QNB Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Rate Home Equity	-	-	5.25%	Up to 36 months
Details APR w/o Auto Deduct: 5.75%; Maximum Loan-to-Value: 80%; Effective September 22, 2026 Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 5.00% → 5.25% ▲ 0.25 pts · high 5.25% / low 5.00% Sep 24, 20265.25%▲ from 5.00% Sep 15, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Fixed Rate Home Equity	-	-	5.75%	37 - 60 months
Details APR w/o Auto Deduct: 6.25%; Maximum Loan-to-Value: 80%; Effective September 22, 2026 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 5.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Fixed Rate Home Equity	-	-	6.50%	61 - 84 months
Details APR w/o Auto Deduct: 7.00%; Maximum Loan-to-Value: 80%; Effective September 22, 2026 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 6.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Equity Choice - Home Equity Line of Credit - Interest Only	-	-	7.00%
Details APR w/Auto Deduct; Variable rate, based on WSJ Prime; Maximum Loan-to-Value 80%; Maximum APR 18%; 180-month repayment period after draw Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 7.50% → 7.00% ▼ 0.50 pts · high 7.50% / low 7.00% Oct 14, 20267.00%▼ from 7.50% Sep 18, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Fixed Rate Home Equity	-	-	7.00%	85 - 120 months
Details APR w/o Auto Deduct: 7.50%; Maximum Loan-to-Value: 80%; Effective September 22, 2026 Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 24, 20267.00%▲ from 6.75% Sep 15, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Fixed Rate Home Equity	-	-	7.25%	121 - 180 months
Details APR w/o Auto Deduct: 7.75%; Maximum Loan-to-Value: 80%; Effective September 22, 2026 Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Sep 24, 20267.25%▲ from 7.00% Sep 15, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Equity Choice - Home Equity Line of Credit - Interest Only	-	-	7.50%
Details APR w/o Auto Deduct; Variable rate, based on WSJ Prime; Maximum Loan-to-Value 80%; Maximum APR 18%; 180-month repayment period after draw Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Fixed Rate Home Equity	-	-	7.75%	181 - 240 months
Details APR w/o Auto Deduct: 8.25%; Maximum Loan-to-Value: 80%; Effective September 22, 2026 Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 7.50% → 7.75% ▲ 0.25 pts · high 7.75% / low 7.50% Sep 24, 20267.75%▲ from 7.50% Sep 15, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%

QNB Bank Auto Loan Rates

Product	Rate	Points	APR	Term
Automobile Loans - 2024 - 2025	-	-	6.50%	5 year max
Details Credit Score: >720; Loan-to-Value: 100%; Non-auto deduct APR: 7.00% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - New 2025 - 2026	-	-	6.50%	6 year max
Details Credit Score: >720; Loan-to-Value: 100%; Non-auto deduct APR: 7.00% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - New 2025 - 2026	-	-	7.25%	6 year max
Details Credit Score: 680 - 719; Loan-to-Value: 80%; Non-auto deduct APR: 7.75% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - 2022 - 2023	-	-	7.50%	4 year max
Details Credit Score: >720; Loan-to-Value: 80%; Non-auto deduct APR: 8.00% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - 2024 - 2025	-	-	7.50%	5 year max
Details Credit Score: 680 - 719; Loan-to-Value: 80%; Non-auto deduct APR: 8.00% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - 2022 - 2023	-	-	8.00%	4 year max
Details Credit Score: 680 - 719; Loan-to-Value: 80%; Non-auto deduct APR: 8.50% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - 2020 - 2021	-	-	8.50%	3 year max
Details Credit Score: >720; Loan-to-Value: 80%; Non-auto deduct APR: 9.00% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - New 2025 - 2026	-	-	8.75%	6 year max
Details Credit Score: 650 - 679; Loan-to-Value: 80%; Non-auto deduct APR: 9.25% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - 2020 - 2021	-	-	9.00%	3 year max
Details Credit Score: 680 - 719; Loan-to-Value: 80%; Non-auto deduct APR: 9.50% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - 2024 - 2025	-	-	9.00%	5 year max
Details Credit Score: 650 - 679; Loan-to-Value: 80%; Non-auto deduct APR: 9.50% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - 2018 - 2019	-	-	9.50%	3 year max
Details Credit Score: >720; Loan-to-Value: 75%; Non-auto deduct APR: 10.00% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - 2022 - 2023	-	-	9.75%	4 year max
Details Credit Score: 650 - 679; Loan-to-Value: 80%; Non-auto deduct APR: 10.25% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - 2018 - 2019	-	-	10.50%	3 year max
Details Credit Score: 680 - 719; Loan-to-Value: 75%; Non-auto deduct APR: 11.00% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 10.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - 2020 - 2021	-	-	10.75%	3 year max
Details Credit Score: 650 - 679; Loan-to-Value: 80%; Non-auto deduct APR: 11.25% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 10.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - 2018 - 2019	-	-	11.25%	3 year max
Details Credit Score: 650 - 679; Loan-to-Value: 75%; Non-auto deduct APR: 11.75% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 11.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%

QNB Bank RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loans - New 2025-2026	-	9.49%	5 year max
Details Credit Score: >720; Loan-to-Value: 80%; Auto deduct APR; Non-auto deduct APR: 9.99%; Effective September 22, 2026; Customer required to carry Comp and Collision insurance year round; Encumbrance fee $108.00 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 9.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loans - New 2025-2026	-	9.99%	5 year max
Details Credit Score: 680 - 719; Loan-to-Value: 80%; Auto deduct APR; Non-auto deduct APR: 10.49%; Effective September 22, 2026; Customer required to carry Comp and Collision insurance year round; Encumbrance fee $108.00 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loans - 2024-2025	-	10.24%	5 year max
Details Credit Score: >720; Loan-to-Value: 80%; Auto deduct APR; Non-auto deduct APR: 10.74%; Effective September 22, 2026; Customer required to carry Comp and Collision insurance year round; Encumbrance fee $108.00 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 10.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loans - 2022-2023	-	10.49%	4 year max
Details Credit Score: >720; Loan-to-Value: 80%; Auto deduct APR; Non-auto deduct APR: 10.99%; Effective September 22, 2026; Customer required to carry Comp and Collision insurance year round; Encumbrance fee $108.00 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 10.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loans - New 2025-2026	-	10.49%	5 year max
Details Credit Score: 650 - 679; Loan-to-Value: 80%; Auto deduct APR; Non-auto deduct APR: 10.99%; Effective September 22, 2026; Customer required to carry Comp and Collision insurance year round; Encumbrance fee $108.00 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 10.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loans - 2024-2025	-	10.74%	5 year max
Details Credit Score: 680 - 719; Loan-to-Value: 80%; Auto deduct APR; Non-auto deduct APR: 11.24%; Effective September 22, 2026; Customer required to carry Comp and Collision insurance year round; Encumbrance fee $108.00 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 10.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loans - 2022-2023	-	10.99%	4 year max
Details Credit Score: 680 - 719; Loan-to-Value: 80%; Auto deduct APR; Non-auto deduct APR: 11.49%; Effective September 22, 2026; Customer required to carry Comp and Collision insurance year round; Encumbrance fee $108.00 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 10.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loans - 2024-2025	-	11.24%	5 year max
Details Credit Score: 650 - 679; Loan-to-Value: 80%; Auto deduct APR; Non-auto deduct APR: 11.74%; Effective September 22, 2026; Customer required to carry Comp and Collision insurance year round; Encumbrance fee $108.00 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 11.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loans - 2020-2021	-	11.49%	3 year max
Details Credit Score: >720; Loan-to-Value: 80%; Auto deduct APR; Non-auto deduct APR: 11.99%; Effective September 22, 2026; Customer required to carry Comp and Collision insurance year round; Encumbrance fee $108.00 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 11.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loans - 2022-2023	-	11.49%	4 year max
Details Credit Score: 650 - 679; Loan-to-Value: 80%; Auto deduct APR; Non-auto deduct APR: 11.99%; Effective September 22, 2026; Customer required to carry Comp and Collision insurance year round; Encumbrance fee $108.00 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 11.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loans - 2020-2021	-	11.99%	3 year max
Details Credit Score: 680 - 719; Loan-to-Value: 80%; Auto deduct APR; Non-auto deduct APR: 12.49%; Effective September 22, 2026; Customer required to carry Comp and Collision insurance year round; Encumbrance fee $108.00 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 11.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loans - 2020-2021	-	12.49%	3 year max
Details Credit Score: 650 - 679; Loan-to-Value: 80%; Auto deduct APR; Non-auto deduct APR: 12.99%; Effective September 22, 2026; Customer required to carry Comp and Collision insurance year round; Encumbrance fee $108.00 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 12.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loans - 2018-2019	-	13.49%	3 year max
Details Credit Score: >720; Loan-to-Value: 70%; Auto deduct APR; Non-auto deduct APR: 13.99%; Effective September 22, 2026; Customer required to carry Comp and Collision insurance year round; Encumbrance fee $108.00 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 13.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loans - 2018-2019	-	13.99%	3 year max
Details Credit Score: 680 - 719; Loan-to-Value: 70%; Auto deduct APR; Non-auto deduct APR: 14.49%; Effective September 22, 2026; Customer required to carry Comp and Collision insurance year round; Encumbrance fee $108.00 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 13.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loans - 2018-2019	-	14.49%	3 year max
Details Credit Score: 650 - 679; Loan-to-Value: 70%; Auto deduct APR; Non-auto deduct APR: 14.99%; Effective September 22, 2026; Customer required to carry Comp and Collision insurance year round; Encumbrance fee $108.00 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 14.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%

QNB Bank Personal Loan Rates

Product	APR	Term
Personal Line of Credit	11.00%
Details Lines of Credit - Unsecured; Credit Limit: Revolving up to $10,000; APR w/o Auto Deduct; Borrower must be a QNB customer Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75% Sep 18, 202611.00%▲ from 10.75% Sep 15, 202610.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal Loans - Fixed Rate Unsecured	14.00%	Up to 36 Months
Details APR w/Auto Deduct; Credit Limit: Up to $5,000; Borrower must be a QNB customer; APR rates subject to change without notice Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 14.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal Loans - Fixed Rate Unsecured	14.50%	Up to 36 Months
Details APR w/o Auto Deduct; Credit Limit: Up to $5,000; Borrower must be a QNB customer; APR rates subject to change without notice Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 14.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal Loans - Fixed Rate Unsecured	14.50%	Up to 72 Months
Details APR w/Auto Deduct; Credit Limit: $5,001 - $10,000; Borrower must be a QNB customer; APR rates subject to change without notice Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 14.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal Loans - Fixed Rate Unsecured	15.00%	Up to 72 Months
Details APR w/o Auto Deduct; Credit Limit: $5,001 - $10,000; Borrower must be a QNB customer; APR rates subject to change without notice Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 15.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%

QNB Bank Other Rates

Product	Rate	Points	APY/APR	Term
Land Purchase Loans	-	-	9.50%	Up to 120 months
Details APR w/Auto Deduct: 9.50%; APR w/o Auto Deduct: 10.00%; Maximum Loan-to-Value: 65% Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 9.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business Index Sweep	1.98%	-	2.00%
Min Balance $0 Details Balance: $0.01 - $499,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 1.85% → 2.00% ▲ 0.15 pts · high 2.00% / low 1.85% Sep 24, 20262.00%▲ from 1.85% Sep 18, 20261.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business Index Sweep	2.47%	-	2.50%
Min Balance $500,000 Details Balance: $500,000 - $1,499,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 2.35% → 2.50% ▲ 0.15 pts · high 2.50% / low 2.35% Sep 24, 20262.50%▲ from 2.35% Sep 18, 20262.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business Index Sweep	2.96%	-	3.00%
Min Balance $1,500,000 Details Balance: $1,500,000 - $2,999,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 2.85% → 3.00% ▲ 0.15 pts · high 3.00% / low 2.85% Sep 24, 20263.00%▲ from 2.85% Sep 18, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business Index Sweep	3.45%	-	3.50%
Min Balance $3,000,000 Details Balance: $3,000,000 and over Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35% Sep 24, 20263.50%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

QNB Bank’s Texas Ratio rose from 3.11% in Q3 2023 to 4.97% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 1.7 to 5.0 and its Health Grade from D to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.4B	4.97%	5.0	A+
March 31, 2026	$1.9B	6.59%	5.0	A
December 31, 2025	$1.9B	6.05%	5.0	A
September 30, 2025	$1.9B	6.50%	5.0	A
June 30, 2025	$1.9B	6.91%	5.0	A
March 31, 2025	$1.9B	6.93%	4.7	A
December 31, 2024	$1.8B	1.64%	4.5	A
September 30, 2024	$1.8B	1.38%	4.8	A
June 30, 2024	$1.7B	2.50%	2.8	C
March 31, 2024	$1.7B	2.51%	2.7	C
December 31, 2023	$1.7B	2.51%	2.6	C
September 30, 2023	$1.7B	3.11%	1.7	D

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for QNB Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather QNB Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with QNB Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name QNB Bank

Bank Holding Company QNB CORP

Address 15 N 3rd St, Quakertown, PA 18951 · Bucks

Website https://www.qnbbank.com

FDIC Certificate # 7714

Established 18770721

FDIC Insurance Date 19340101

Domestic Offices 18

Total Branches 18

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

4.97%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8118%

Return on Equity (ROE) 9.9800%

Non-Performing Loans (NPL) 0.44%

Total Assets $2,374,999,000

Total Deposits $2,070,023,000

Equity Capital $209,778,000

Net Income $8,334,000

Headquarters Quakertown

Total Branches and Offices 18

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

QNB Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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Frequently Asked Questions About QNB Bank

How many branches does QNB Bank operate?

QNB Bank currently maintains approximately 18 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, QNB Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, QNB Bank provides members with tools to manage their accounts and build a solid financial history.

Does QNB Bank offer online and mobile banking?

Most modern institutions like QNB Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.qnbbank.com.

Current QNB Bank Rates

12-Month CD0.25%
18-Month CD2.47%
24-Month CD2.23%
36-Month CD0.99%
48-Month CD1.09%
60-Month CD1.24%
Savings1.70%
MMA3.45%

Retrieved from our database of financial products. Rates subject to change.

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QNB Bank Rates & Review October 2026

Brian McKay

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Frequently Asked Questions About QNB Bank

How many branches does QNB Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does QNB Bank offer online and mobile banking?

Current QNB Bank Rates

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