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Harleysville Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: November 6, 2026
Harleysville Bank's 20-Month Rising Rate CD rates are at 4.05%, 9-Month CD rates are at 3.70%, 60-Month CD rates are at 3.25%, 18-Month CD rates are at 2.47%, 12-Month CD rates are at 2.01%. Harleysville Bank's savings rates are at 0.15%. Harleysville Bank's money market rates are at 0.20%. Harleysville Bank's checking rates are as high as 3.75%. Harleysville Bank's Mortgage Loan - 15 Yr. Fixed rates are at 6.75%, Mortgage Loan - 20 Yr. Fixed rates are at 6.75%, Mortgage Loan - 30 Yr. Fixed rates are at 7.00%, Mortgage Loan - 7/1 ARM rates are at 6.75%, Mortgage Loan - 25 Yr. Fixed rates are at 7.00%. Harleysville Bank's top CD rate of 4.05% APY on a 20 month CD is 38% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Harleysville Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.05%. Rates last updated and verified on 11/06/2026.
Harleysville 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 Harleysville Bank? Share your experience about Harleysville Bank by leaving a review below, or read customer reviews before you decide to use Harleysville Bank.
Harleysville Bank has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Harleysville Bank has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.05%
ExcellentLower than avg
Harleysville Bank Texas Ratio
Harleysville Bank's Texas Ratio is 1.05%, which is considered excellent and is lower than the national average of 5.85%.
Harleysville Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
3.02% to 1.05% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has improved and is now very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Harleysville Bank CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
20-Month Rising Rate CD
-
4.05%
20 Months
$500
Min Deposit$500
Min Balance$500
DetailsThe rate may change after the account is opened; Minimum Balance to Earn APY: $500
Last Updated11/06/2026
Rate History
1 change since Sep 19, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
Sep 24, 20264.05%▲ from 3.75%
Sep 19, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
20-Month Rising Rate IRA CD
-
4.05%
20 Month
$500
Min Deposit$500
DetailsThe rate may change after the account is opened. A penalty may be imposed for early withdrawal.
Last Updated11/06/2026
Rate History
1 change since Sep 19, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
Sep 24, 20264.05%▲ from 3.75%
Sep 19, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
9-Month CD
-
3.70%
9 Months
$500
Min Deposit$500
Min Balance$500
DetailsMinimum Balance to Earn APY: $500
Last Updated11/06/2026
Rate History
1 change since Sep 19, 2026 · 1.01% → 3.70% ▲ 2.69 pts · high 3.70% / low 1.01%
Sep 24, 20263.70%▲ from 1.01%
Sep 19, 20261.01%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
9-Month IRA CD
-
3.70%
9 Month
$500
Min Deposit$500
DetailsA penalty may be imposed for early withdrawal.
Last Updated11/06/2026
Rate History
1 change since Sep 19, 2026 · 1.01% → 3.70% ▲ 2.69 pts · high 3.70% / low 1.01%
Sep 24, 20263.70%▲ from 1.01%
Sep 19, 20261.01%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
60-Month CD
-
3.25%
60 Months
$500
Min Deposit$500
Min Balance$500
DetailsMinimum Balance to Earn APY: $500
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 3.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
60-Month IRA CD
-
3.25%
60 Month
$500
Min Deposit$500
DetailsA penalty may be imposed for early withdrawal.
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 3.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
18-Month CD
-
2.47%
18 Months
$500
Min Deposit$500
Min Balance$500
DetailsMinimum Balance to Earn APY: $500
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 2.47% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
18-Month IRA CD
-
2.47%
18 Month
$500
Min Deposit$500
DetailsA penalty may be imposed for early withdrawal.
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 2.47% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
12-Month CD
-
2.01%
12 Months
$500
Min Deposit$500
Min Balance$500
DetailsMinimum Balance to Earn APY: $500
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 2.01% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
12-Month IRA CD
-
2.01%
12 Month
$500
Min Deposit$500
DetailsA penalty may be imposed for early withdrawal.
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 2.01% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
6-Month CD
-
1.25%
6 Months
$500
Min Deposit$500
Min Balance$500
DetailsMinimum Balance to Earn APY: $500
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 1.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
6-Month IRA CD
-
1.25%
6 Month
$500
Min Deposit$500
DetailsA penalty may be imposed for early withdrawal.
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 1.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
3-Month CD
-
1.01%
3 Months
$500
Min Deposit$500
Min Balance$500
DetailsMinimum Balance to Earn APY: $500
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 1.01% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
3-Month IRA CD
-
1.01%
3 Month
$500
Min Deposit$500
DetailsA penalty may be imposed for early withdrawal.
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 1.01% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
24-Month CD
-
1.00%
24 Months
$500
Min Deposit$500
Min Balance$500
DetailsMinimum Balance to Earn APY: $500
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
24-Month IRA CD
-
1.00%
24 Month
$500
Min Deposit$500
DetailsA penalty may be imposed for early withdrawal.
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
15-Month CD
-
0.50%
15 Months
$500
Min Deposit$500
Min Balance$500
DetailsMinimum Balance to Earn APY: $500
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
15-Month IRA CD
-
0.50%
15 Month
$500
Min Deposit$500
DetailsA penalty may be imposed for early withdrawal.
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
48-Month Rising Rate CD
-
0.50%
48 Months
$500
Min Deposit$500
Min Balance$500
DetailsThe rate may change after the account is opened; Minimum Balance to Earn APY: $500
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
48-Month Rising Rate IRA CD
-
0.50%
48 Month
$500
Min Deposit$500
DetailsThe rate may change after the account is opened. A penalty may be imposed for early withdrawal.
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
36-Month CD
-
0.35%
36 Months
$500
Min Deposit$500
Min Balance$500
DetailsMinimum Balance to Earn APY: $500
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 0.35% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
36-Month IRA CD
-
0.35%
36 Month
$500
Min Deposit$500
DetailsA penalty may be imposed for early withdrawal.
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 0.35% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
17-Month CD
-
0.20%
17 Months
$500
Min Deposit$500
Min Balance$500
DetailsMinimum Balance to Earn APY: $500
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
17-Month IRA CD
-
0.20%
17 Month
$500
Min Deposit$500
DetailsA penalty may be imposed for early withdrawal.
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
7-Month IRA CD
-
0.10%
7 Month
$500
Min Deposit$500
DetailsA penalty may be imposed for early withdrawal.
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
7-Month No Penalty CD
-
0.10%
7 Months
$500
Min Deposit$500
Min Balance$500
DetailsNo penalties for early withdrawal; Minimum Balance to Earn APY: $500
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Harleysville Bank Savings Rates
Product
Rate
APY
View More
Trusty's Club
-
0.25%
Min Deposit$1
DetailsBalance: required; Youth Savings
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 0.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
IRA Statement Savings
-
0.15%
Min Deposit$1
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Statement Savings
-
0.15%
Min Deposit$1
Min Balance$2,500
DetailsBalance: $2,500 and higher
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Statement Savings
-
0.10%
Min Deposit$1
Min Balance$100
DetailsBalance: $100 to $2,499.99
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Harleysville Bank Money Market Rates
Product
Rate
APY
View More
Money Market Plus
-
0.20%
Min Deposit$1
Min Balance$25,000
DetailsBalance: $25,000 and higher
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Money Market Plus
-
0.10%
Min Deposit$1
Min Balance$10,000
DetailsBalance: $10,000 to $24,999.99
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 9 times
No change since Oct 7, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Harleysville Bank Mortgage Rates
Product
Rate
Points
APR
Term
View More
Mortgage Loan - 15 Yr. Fixed
6.75%
0
6.771%
15 years
DetailsOwner Occupied Purchase; Max LTV 95% (1 Unit), 90% (2-4 Units); Rate Lock: 120 days
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 6.77% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Mortgage Loan - 20 Yr. Fixed
6.75%
1
6.896%
20 years
DetailsOwner Occupied Purchase; Max LTV 95% (1 Unit), 90% (2-4 Units); Rate Lock: 60 days
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 6.90% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Mortgage Loan - 20 Yr. Fixed
7.00%
0
7.017%
20 years
DetailsOwner Occupied Purchase; Max LTV 95% (1 Unit), 90% (2-4 Units); Rate Lock: 60 days
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 7.02% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Mortgage Loan - 30 Yr. Fixed
7.00%
1
7.113%
30 years
DetailsOwner Occupied Purchase; Max LTV 95% (1 Unit), 90% (2-4 Units); Rate Lock: 60 days
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 7.11% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Mortgage Loan - 7/1 ARM
6.75%
1
7.113%
DetailsOwner Occupied Purchase; Max LTV 95% (1 Unit), 90% (2-4 Units); caps 2% / 4% life; Rate Lock: 120 days
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 7.11% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Mortgage Loan - 25 Yr. Fixed
7.00%
1
7.127%
25 years
DetailsOwner Occupied Purchase; Max LTV 95% (1 Unit), 90% (2-4 Units); Rate Lock: 60 days
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 7.13% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Mortgage Loan - 7/1 ARM
7.00%
0
7.145%
DetailsOwner Occupied Purchase; Max LTV 95% (1 Unit), 90% (2-4 Units); caps 2% / 4% life; Rate Lock: 120 days
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 7.15% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Mortgage Loan - 5/1 ARM
6.75%
1
7.177%
DetailsOwner Occupied Purchase; Max LTV 95% (1 Unit), 90% (2-4 Units); caps 2% / 4% life; Rate Lock: 120 days
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 7.18% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Mortgage Loan - 5/1 ARM
7.00%
0
7.179%
DetailsOwner Occupied Purchase; Max LTV 95% (1 Unit), 90% (2-4 Units); caps 2% / 4% life; Rate Lock: 120 days
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 7.18% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Mortgage Loan - 10/1 ARM
7.00%
1
7.205%
DetailsOwner Occupied Purchase; Max LTV 95% (1 Unit), 90% (2-4 Units); caps 2% / 4% life; Rate Lock: 120 days
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 7.21% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Mortgage Loan - 30 Yr. Fixed
7.25%
0
7.263%
30 years
DetailsOwner Occupied Purchase; Max LTV 95% (1 Unit), 90% (2-4 Units); Rate Lock: 60 days
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 7.26% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Mortgage Loan - 25 Yr. Fixed
7.25%
0
7.265%
25 years
DetailsOwner Occupied Purchase; Max LTV 95% (1 Unit), 90% (2-4 Units); Rate Lock: 60 days
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 7.27% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Mortgage Loan - 10/1 ARM
7.25%
0
7.273%
DetailsOwner Occupied Purchase; Max LTV 95% (1 Unit), 90% (2-4 Units); caps 2% / 4% life; Rate Lock: 120 days
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 7.27% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Contract 30 Year ARM
7.25%
-
7.351%
30 Years
DetailsMortgage Conversion; Owner Occupied; Length of Loan: Contract 30 Year ARM
Last Updated11/06/2026
Rate History
5 changes since Sep 15, 2026 · 7.48% → 7.35% ▼ 0.13 pts · high 7.85% / low 7.35%
Oct 31, 20267.35%▼ from 7.60%
Oct 21, 20267.60%▼ from 7.73%
Oct 11, 20267.73%▼ from 7.85%
Oct 7, 20267.85%▲ from 7.73%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
1-4 Unit, Residential, Investor - 7/1 ARM
7.75%
1
8.11%
DetailsRate Lock: 120 days; Minimum Loan Amount $80,000; Maximum Loan to Value 80% - Purchase/Refinance; Minimum Credit Score 680
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 8.11% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
1-4 Unit, Residential, Investor - 7/1 ARM
8.00%
0
8.141%
DetailsCaps 2% / 4% life; Rate Lock: 120 days; Minimum Loan Amount $80,000; Maximum Loan to Value 80% - Purchase/Refinance; Minimum Credit Score 680
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 8.14% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
1-4 Unit, Residential, Investor - 5/1 ARM
7.75%
1
8.175%
DetailsRate Lock: 120 days; Minimum Loan Amount $80,000; Maximum Loan to Value 80% - Purchase/Refinance; Minimum Credit Score 680
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 8.18% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
1-4 Unit, Residential, Investor - 5/1 ARM
8.00%
0
8.175%
DetailsCaps 2% / 4% life; Rate Lock: 120 days; Minimum Loan Amount $80,000; Maximum Loan to Value 80% - Purchase/Refinance; Minimum Credit Score 680
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 8.18% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
1-4 Unit, Residential, Investor - 10/1 ARM
8.00%
1
8.207%
DetailsRate Lock: 120 days; Minimum Loan Amount $80,000; Maximum Loan to Value 80% - Purchase/Refinance; Minimum Credit Score 680
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 8.21% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
1-4 Unit, Residential, Investor - 10/1 ARM
8.25%
0
8.274%
DetailsCaps 2% / 4% life; Rate Lock: 120 days; Minimum Loan Amount $80,000; Maximum Loan to Value 80% - Purchase/Refinance; Minimum Credit Score 680
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 8.27% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Harleysville Bank Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loan
-
-
6.25%
36 Months
DetailsAPR with direct deposit/automatic payment from a Harleysville Bank checking account; Maximum LTV of 80%
Last Updated11/06/2026
Rate History
No change since Oct 7, 2026 · 6.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Home Equity Loan
-
-
6.50%
60 Months
DetailsAPR with direct deposit/automatic payment from a Harleysville Bank checking account; Maximum LTV of 80%
Last Updated11/06/2026
Rate History
No change since Oct 7, 2026 · 6.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Home Equity Loan
-
-
6.75%
84 Months
DetailsAPR with direct deposit/automatic payment from a Harleysville Bank checking account; Maximum LTV of 80%
Last Updated11/06/2026
Rate History
No change since Oct 7, 2026 · 6.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Home Equity Line of Credit
-
-
7.00%
DetailsInterest only or evergreen line; variable monthly based on highest New York Prime Rate in WSJ (index 7.00% as of 9/17/2026); Minimum APR 3.990%; Maximum APR 18%; balloon payment due at end of 20 years; minimum line $5,000; 80% LTV or less, single-family primary residence; closing costs $200 to $650 may apply
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 7.00% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Home Equity Loan
-
-
7.00%
120 Months
DetailsAPR with direct deposit/automatic payment from a Harleysville Bank checking account; Maximum LTV of 80%
Last Updated11/06/2026
Rate History
No change since Oct 7, 2026 · 7.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Home Equity Loan
-
-
7.25%
180 Months
DetailsAPR with direct deposit/automatic payment from a Harleysville Bank checking account; Maximum LTV of 80%
Last Updated11/06/2026
Rate History
No change since Oct 7, 2026 · 7.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Home Equity Loan
-
-
7.50%
240 Months
DetailsAPR with direct deposit/automatic payment from a Harleysville Bank checking account; Maximum LTV of 80%
Last Updated11/06/2026
Rate History
No change since Oct 7, 2026 · 7.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Harleysville Bank Other Rates
Product
Rate
Points
APY/APR
Term
View More
1-4 Unit, Residential, Investor - 15 Yr. Fixed
8.00%
1
8.189%
15 years
DetailsRate Lock: 120 days; Minimum Loan Amount $80,000; Maximum Loan to Value 80% Purchase/Refinance; Minimum Credit Score 680; Extended Rate Locks are Available
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 8.19% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
1-4 Unit, Residential, Investor - 15 Yr. Fixed
7.50%
1
7.687%
15 years
DetailsRate Lock: 120 days; Minimum Loan Amount $80,000; Maximum Loan to Value 80% - Purchase/Refinance; Minimum Credit Score 680
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 7.69% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
1-4 Unit, Residential, Investor - 15 Yr. Fixed
7.75%
0
7.772%
15 years
DetailsRate Lock: 120 days; Minimum Loan Amount $80,000; Maximum Loan to Value 80% - Purchase/Refinance; Minimum Credit Score 680
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 7.77% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
1-4 Unit, Residential, Investor - 20 Yr. Fixed
7.75%
1
7.902%
20 years
DetailsRate Lock: 60 days; Minimum Loan Amount $80,000; Maximum Loan to Value 80% - Purchase/Refinance; Minimum Credit Score 680
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 7.90% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
1-4 Unit, Residential, Investor - 20 Yr. Fixed
8.00%
0
8.018%
20 years
DetailsRate Lock: 60 days; Minimum Loan Amount $80,000; Maximum Loan to Value 80% - Purchase/Refinance; Minimum Credit Score 680
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 8.02% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
1-4 Unit, Residential, Investor - 25 Yr. Fixed
8.00%
1
8.133%
25 years
DetailsRate Lock: 60 days; Minimum Loan Amount $80,000; Maximum Loan to Value 80% - Purchase/Refinance; Minimum Credit Score 680
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 8.13% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
1-4 Unit, Residential, Investor - 25 Yr. Fixed
8.25%
0
8.266%
25 years
DetailsRate Lock: 60 days; Minimum Loan Amount $80,000; Maximum Loan to Value 80% - Purchase/Refinance; Minimum Credit Score 680
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 8.27% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
1-4 Unit, Residential, Investor - 30 Yr. Fixed
8.00%
1
8.12%
30 years
DetailsRate Lock: 60 days; Minimum Loan Amount $80,000; Maximum Loan to Value 80% - Purchase/Refinance; Minimum Credit Score 680
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 8.12% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
1-4 Unit, Residential, Investor - 30 Yr. Fixed
8.25%
0
8.264%
30 years
DetailsRate Lock: 60 days; Minimum Loan Amount $80,000; Maximum Loan to Value 80% - Purchase/Refinance; Minimum Credit Score 680
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 8.26% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Special Community Homebuyer Program - 30 Yr. Fixed
6.25%
0
6.263%
DetailsPurchase of Primary Residence Only; Single Family Dwelling; Maximum Loan to Value 97%; Income Limits Apply; Funds limited to purchases in Montgomery, Berks, Bucks, Delaware and Chester Counties; Rate Lock: 60 days
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 6.26% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Financial Health History
Harleysville Bank’s Texas Ratio fell from 3.02% in Q3 2023 to 1.05% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade
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
$964M
1.05%
5.0
A+
March 31, 2026
$958M
1.06%
5.0
A+
December 31, 2025
$940M
1.47%
5.0
A+
September 30, 2025
$928M
0.88%
5.0
A+
June 30, 2025
$902M
1.11%
5.0
A+
March 31, 2025
$872M
1.29%
5.0
A+
December 31, 2024
$862M
1.67%
5.0
A+
September 30, 2024
$863M
1.58%
5.0
A+
June 30, 2024
$864M
1.92%
5.0
A+
March 31, 2024
$848M
2.03%
5.0
A+
December 31, 2023
$854M
2.78%
5.0
A+
September 30, 2023
$843M
3.02%
5.0
A+
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 Harleysville 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 Harleysville 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 Harleysville Bank's official website for the most current offers and terms.
Address
271 Main St,
Harleysville, PA 19438 · Montgomery
Bank Holding CompanyHARLEYSVILLE FINANCIAL CORP
FDIC Certificate #31461
RegulatorFDIC
EstablishedJanuary 1, 1915
FDIC Insurance DateAugust 9, 1989
Domestic Offices7
Total Branches7
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.05%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.5033%
Return on Equity (ROE)
15.2400%
Non-Performing Loans Ratio (NPL)
0.10%
Total Assets
$963,589,000
Total Deposits
$719,195,000
Equity Capital
$95,588,000
Net Income
$7,171,000
Headquarters
Harleysville
Total Branches and Offices
7
Source: FDIC — Last Updated June 30, 2026
2026 MBR Health & Safety Badge
Harleysville Bank earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Harleysville Bank
Frequently Asked Questions About Harleysville Bank
Does Harleysville Bank offer CDs?
Yes. Harleysville Bank current CD rates include its 20-Month Rising Rate CD at 4.05% APY, its 9-Month CD at 3.70% APY and its 60-Month CD at 3.25% APY, verified by MonitorBankRates as of November 6, 2026.
Are CDs from Harleysville Bank FDIC insured?
Yes. Harleysville Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Harleysville Bank?
The highest Harleysville Bank CD rate is its 20-Month Rising Rate CD at 4.05% APY, verified by MonitorBankRates as of November 6, 2026.
What CD terms does Harleysville Bank offer?
Harleysville Bank CD rates are 3.70% APY for a 9 month CD, 2.01% APY for a 12 month CD, 2.47% APY for an 18 month CD, 4.05% APY for a 20 month CD, 1.00% APY for a 2 year CD, 0.35% APY for a 3 year CD, 0.50% APY for a 4 year CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Harleysville Bank for its full lineup.
What is the highest savings rate at Harleysville Bank?
The highest Harleysville Bank savings rate is its IRA Statement Savings at 0.15% APY, verified by MonitorBankRates as of November 6, 2026.
What is the highest money market rate at Harleysville Bank?
The highest Harleysville Bank money market rate is its Money Market Plus at 0.20% APY, verified by MonitorBankRates as of November 6, 2026.
What is the highest checking rate at Harleysville Bank?
The highest Harleysville Bank checking rate is its Harleysville Cash Rewards Checking at 3.75% APY, verified by MonitorBankRates as of November 6, 2026.
What is the lowest 30 year fixed mortgage rate at Harleysville Bank?
The lowest Harleysville Bank 30 year fixed mortgage rate is its Mortgage Loan - 30 Yr. Fixed at 7.00%, verified by MonitorBankRates as of November 6, 2026. Harleysville Bank mortgage rates are 7.00% for a 30 year mortgage, 7.00% for a 25 year mortgage, 6.75% for a 20 year mortgage, 6.75% for a 15 year mortgage, 6.75% for a 5/1 ARM, 6.75% for a 7/1 ARM and 7.00% for a 10/1 ARM.
How many branches does Harleysville Bank operate?
Harleysville Bank currently maintains approximately 7 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, Harleysville 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, Harleysville Bank provides members with tools to manage their accounts and build a solid financial history.
Does Harleysville Bank offer online and mobile banking?
Most modern institutions like Harleysville 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.harleysvillebank.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Harleysville Bank rates compare?
Harleysville Bank's top CD rate of 4.05% APY on a 20 month CD is 38% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. Harleysville Bank's top rates are its 20-Months 20-Month Rising Rate CD at 4.05% APY, its IRA Statement Savings at 0.15% APY, its Money Market Plus at 0.20% APY, its Harleysville Cash Rewards Checking at 3.75% APY and its Mortgage Loan - 15 Yr. Fixed at 6.75%, verified by MonitorBankRates on November 6, 2026.
Current Harleysville Bank Rates
12-Month CD2.01%
18-Month CD0.20%
24-Month CD1.00%
36-Month CD0.35%
48-Month CD0.50%
60-Month CD3.25%
Savings0.15%
MMA0.20%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
