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Orrstown 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 5, 2026
Orrstown Bank's 6-11-Months Traditional CD - 6-11-Month rates are at 3.09%, 12-17-Months Traditional CD - 12-17-Month rates are at 2.84%, 18-23-Months Traditional CD - 18-23-Month rates are at 2.58%, 24-29-Months Traditional CD - 24-29-Month rates are at 1.76%, 30-35-Months Traditional CD - 30-35-Month rates are at 1.76%. Orrstown Bank's savings rates are at 0.30%. Orrstown Bank's money market rates are at 1.81%. Orrstown Bank's checking rates are as high as 0.55%. Orrstown Bank's Personal Loan Rates are as low as 11.74%. Orrstown Bank's top CD rate of 3.09% APY on an 11 month CD is 3% higher than the MonitorBankRates national average of 3.00% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Orrstown Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.11%. Rates last updated and verified on 11/05/2026.
Orrstown 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 Orrstown Bank? Share your experience about Orrstown Bank by leaving a review below, or read customer reviews before you decide to use Orrstown Bank.
Orrstown Bank has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
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
Orrstown 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
?
4.11%
ExcellentLower than avg
Orrstown Bank Texas Ratio
Orrstown Bank's Texas Ratio is 4.11%, which is considered excellent and is lower than the national average of 5.85%.
Orrstown 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.
8.61% to 4.11% 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.
Orrstown Bank CD Rates
Product
Rate
APY
Term
View More
Traditional CD - 6-11-month
3.05%
3.09%
6-11 months
Min Balance$500
DetailsRate as of 9/21/2026; fixed for term
Last Updated11/05/2026
Rate History
No change since Oct 2, 2026 · 3.09% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Traditional CD - 12-17-month
2.80%
2.84%
12-17 months
Min Balance$500
DetailsRate as of 9/21/2026; fixed for term
Last Updated11/05/2026
Rate History
No change since Oct 2, 2026 · 2.84% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
IRA CDs - 6-11-month
2.75%
2.78%
6-11 months
Min Balance$500
DetailsRate as of 9/21/2026
Last Updated11/05/2026
Rate History
No change since Oct 2, 2026 · 2.78% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Traditional CD - 18-23-month
2.55%
2.58%
18-23 months
Min Balance$500
DetailsRate as of 9/21/2026; fixed for term
Last Updated11/05/2026
Rate History
No change since Oct 2, 2026 · 2.58% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
IRA CDs - 12-17-month
2.50%
2.53%
12-17 months
Min Balance$500
DetailsRate as of 9/21/2026
Last Updated11/05/2026
Rate History
No change since Oct 2, 2026 · 2.53% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
IRA CDs - 18-23-month
2.25%
2.27%
18-23 months
Min Balance$500
DetailsRate as of 9/21/2026
Last Updated11/05/2026
Rate History
No change since Oct 2, 2026 · 2.27% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
IRA CDs - 24-29-month
1.75%
1.77%
24-29 months
Min Balance$500
DetailsRate as of 9/21/2026
Last Updated11/05/2026
Rate History
No change since Oct 2, 2026 · 1.77% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
IRA CDs - 30-35-month
1.75%
1.77%
30-35 months
Min Balance$500
DetailsRate as of 9/21/2026
Last Updated11/05/2026
Rate History
No change since Oct 2, 2026 · 1.77% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Traditional CD - 24-29-month
1.75%
1.76%
24-29 months
Min Balance$500
DetailsRate as of 9/21/2026; fixed for term
Last Updated11/05/2026
Rate History
No change since Oct 2, 2026 · 1.76% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Traditional CD - 30-35-month
1.75%
1.76%
30-35 months
Min Balance$500
DetailsRate as of 9/21/2026; fixed for term
Last Updated11/05/2026
Rate History
No change since Oct 2, 2026 · 1.76% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
IRA CDs - 36-41-month
1.50%
1.51%
36-41 months
Min Balance$500
DetailsRate as of 9/21/2026
Last Updated11/05/2026
Rate History
No change since Oct 2, 2026 · 1.51% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
IRA CDs - 42-47-month
1.50%
1.51%
42-47 months
Min Balance$500
DetailsRate as of 9/21/2026
Last Updated11/05/2026
Rate History
No change since Oct 2, 2026 · 1.51% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
IRA CDs - 48-59-month
1.50%
1.51%
48-59 months
Min Balance$500
DetailsRate as of 9/21/2026
Last Updated11/05/2026
Rate History
No change since Oct 2, 2026 · 1.51% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
IRA CDs - 7-89 Days
1.50%
1.51%
7-89 Days
Min Balance$500
DetailsRate as of 9/21/2026
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Traditional CD - 36-41-month
1.50%
1.51%
36-41 months
Min Balance$500
DetailsRate as of 9/21/2026; fixed for term
Last Updated11/05/2026
Rate History
No change since Oct 2, 2026 · 1.51% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Traditional CD - 42-47-month
1.50%
1.51%
42-47 months
Min Balance$500
DetailsRate as of 9/21/2026; fixed for term
Last Updated11/05/2026
Rate History
No change since Oct 2, 2026 · 1.51% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Traditional CD - 48-59-month
1.50%
1.51%
48-59 months
Min Balance$500
DetailsRate as of 9/21/2026; fixed for term
Last Updated11/05/2026
Rate History
No change since Oct 2, 2026 · 1.51% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Traditional CD - 7-89 Days
1.50%
1.51%
7-89 Days
Min Balance$500
DetailsRate as of 9/21/2026; fixed for term
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
IRA CDs - 3-5-month
1.40%
1.41%
3-5 months
Min Balance$500
DetailsRate as of 9/21/2026
Last Updated11/05/2026
Rate History
No change since Oct 2, 2026 · 1.41% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Traditional CD - 3-5-month
1.40%
1.41%
3-5 months
Min Balance$500
DetailsRate as of 9/21/2026; fixed for term
Last Updated11/05/2026
Rate History
No change since Oct 2, 2026 · 1.41% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Orrstown Bank Savings Rates
Product
Rate
APY
View More
Health Savings Account
-
0.30%
Min Balance$10,000
DetailsBalance: $10,000 and over; Rate as of 9/21/2026; variable and subject to change without notice after account opening
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 0.30% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Health Savings Account
-
0.25%
Min Balance$2,500
DetailsBalance: $2,500 - $9,999.99; Rate as of 9/21/2026; variable and subject to change without notice after account opening
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Essential Savings
-
0.20%
Min Balance$250
DetailsBalance: $250; Rate as of 9/21/2026; variable interest rate
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Momentum Savings
-
0.20%
Min Balance$0
DetailsMinimum Balance to Obtain APY: $0.01; Variable interest rate; Rate as of 9/21/2026
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Health Savings Account
-
0.15%
Min Balance$0
DetailsBalance: $0 - $2,499; Rate as of 9/21/2026; variable and subject to change without notice after account opening
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Orrstown Bank Money Market Rates
Product
Rate
APY
View More
Relationship Money Market Account
-
1.81%
Min Balance$1,000,000
DetailsBalance: $1,000,000.00 and over
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 1.71% → 1.81% ▲ 0.10 pts · high 1.81% / low 1.71%
Oct 26, 20261.81%▲ from 1.71%
Oct 7, 20261.71%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Preferred Money Market Account
-
1.76%
Min Balance$1,000,000
DetailsBalance: $1,000,000.00 and over
Last Updated11/05/2026
Rate History
1 change since Sep 18, 2026 · 1.66% → 1.76% ▲ 0.10 pts · high 1.76% / low 1.66%
Oct 26, 20261.76%▲ from 1.66%
Sep 18, 20261.66%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Relationship Money Market Account
-
1.66%
Min Balance$300,000
DetailsBalance: $300,000.00 - $499,999.99
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 1.56% → 1.66% ▲ 0.10 pts · high 1.66% / low 1.56%
Oct 26, 20261.66%▲ from 1.56%
Oct 7, 20261.56%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Relationship Money Market Account
-
1.66%
Min Balance$500,000
DetailsBalance: $500,000.00 - $999,999.99
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 1.56% → 1.66% ▲ 0.10 pts · high 1.66% / low 1.56%
Oct 26, 20261.66%▲ from 1.56%
Oct 7, 20261.56%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Preferred Money Market Account
-
1.61%
Min Balance$300,000
DetailsBalance: $300,000 - $999,999.99
Last Updated11/05/2026
Rate History
1 change since Sep 18, 2026 · 1.51% → 1.61% ▲ 0.10 pts · high 1.61% / low 1.51%
Oct 26, 20261.61%▲ from 1.51%
Sep 18, 20261.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Relationship Money Market Account
-
1.31%
Min Balance$100,000
DetailsBalance: $100,000.00 - $199,999.99
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 1.26% → 1.31% ▲ 0.05 pts · high 1.31% / low 1.26%
Oct 26, 20261.31%▲ from 1.26%
Oct 7, 20261.26%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Relationship Money Market Account
-
1.31%
Min Balance$200,000
DetailsBalance: $200,000.00 - $299,999.99
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 1.26% → 1.31% ▲ 0.05 pts · high 1.31% / low 1.26%
Oct 26, 20261.31%▲ from 1.26%
Oct 7, 20261.26%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Preferred Money Market Account
-
1.26%
Min Balance$100,000
DetailsBalance: $100,000 - $299,999.99
Last Updated11/05/2026
Rate History
1 change since Sep 18, 2026 · 1.21% → 1.26% ▲ 0.05 pts · high 1.26% / low 1.21%
Oct 26, 20261.26%▲ from 1.21%
Sep 18, 20261.21%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Relationship Money Market Account
-
0.50%
Min Balance$35,000
DetailsBalance: $35,000.00 - $64,999.99
Last Updated11/05/2026
Rate History
No change since Oct 7, 2026 · 0.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Relationship Money Market Account
-
0.50%
Min Balance$65,000
DetailsBalance: $65,000.00 - $99,999.99
Last Updated11/05/2026
Rate History
No change since Oct 7, 2026 · 0.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Preferred Money Market Account
-
0.45%
Min Balance$35,000
DetailsBalance: $35,000 - $99,999.99
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 0.45% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Relationship Money Market Account
-
0.35%
Min Balance$15,000
DetailsBalance: $15,000.00 - $34,999.99
Last Updated11/05/2026
Rate History
No change since Oct 7, 2026 · 0.35% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Preferred Money Market Account
-
0.30%
Min Balance$15,000
DetailsBalance: $15,000 - $34,999.99
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 0.30% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Relationship Money Market Account
-
0.30%
Min Balance$2,500
DetailsBalance: $2,500.00 - $14,999.99
Last Updated11/05/2026
Rate History
No change since Oct 7, 2026 · 0.30% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Preferred Money Market Account
-
0.25%
Min Balance$2,500
DetailsBalance: $2,500 - $14,999.99
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 10 times
No change since Oct 7, 2026 · 0.15% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Preferred Money Market Account
-
0.01%
Min Balance$0
DetailsBalance: $0.01 - $2,499.99
Last Updated11/05/2026
Rate History
No change since Oct 7, 2026 · 0.01% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Relationship Money Market Account
-
0.01%
Min Balance$0
DetailsBalance: $0.01 - $2,499.99
Last Updated11/05/2026
Rate History
No change since Oct 7, 2026 · 0.01% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Orrstown Bank Checking Rates
Product
Rate
APY
View More
Relationship Checking
-
0.55%
Min Balance$500,000
DetailsBalance: over $500,000.00
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 0.55% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Relationship Checking
-
0.50%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Relationship Checking
-
0.50%
Min Balance$250,000
DetailsBalance: $250,000.00 - $499,999.99
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Relationship Checking
-
0.25%
Min Balance$20,000
DetailsBalance: $20,000.00 - $99,999.99
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Interest Checking
-
0.20%
Min Balance$500
DetailsMinimum balance to obtain APY: >= $500; Rate as of 9/21/2026
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Relationship Checking
-
0.15%
Min Balance$10,000
DetailsBalance: $10,000 - $19,999.99
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Relationship Checking
-
0.10%
Min Balance$2,500
DetailsBalance: $2,500.00 - $9,999.99
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Relationship Checking
-
0.05%
Min Balance$0
DetailsBalance: $0.00 - $2,499.00
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Orrstown Bank Business Checking Rates
Product
Rate
APY
View More
Business Interest Checking
-
0.15%
Min Balance$10,000
DetailsBalance: >= $10,000; Variable Rate Paid on the Following Interest Tiers
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Business Interest Checking
-
0.10%
Min Balance$2,500
DetailsBalance: $2,500 - $9,999.99; Variable Rate Paid on the Following Interest Tiers
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Business Interest Checking
-
0.05%
Min Balance$0
DetailsBalance: $0.01 - $2,499.99; Variable Rate Paid on the Following Interest Tiers
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Orrstown Bank Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Installment Loan
-
-
6.625%
DetailsState: PA & WV; Rate as of 10/26/2026
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 6.63% → 6.63% ▼ 0.00 pts · high 6.63% / low 6.63%
Oct 26, 20266.63%▼ from 6.63%
Sep 15, 20266.63%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Home Equity Installment Loan
-
-
6.875%
DetailsState: MD; Rate as of 10/26/2026
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 6.63% → 6.88% ▲ 0.25 pts · high 6.88% / low 6.63%
Oct 26, 20266.88%▲ from 6.63%
Sep 15, 20266.63%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Orrstown Bank Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loans - New Vehicles
-
-
6.80%
0-60 Months
No additional details.
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 6.80% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Auto Loans - New Vehicles
-
-
7.30%
61-72 Months
No additional details.
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 7.30% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Used Vehicle Loan
-
-
7.70%
0-60 Months
DetailsAge of Vehicle: 1-4 Years
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 7.70% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Used Vehicle Loan
-
-
7.80%
61-72 Months
DetailsAge of Vehicle: 1-4 Years
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 7.80% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Used Vehicle Loan
-
-
7.95%
0-48 Months
DetailsAge of Vehicle: 5-10 Years
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 7.95% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Auto Loans - New Vehicles
-
-
8.05%
73-84 Months
No additional details.
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 8.05% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Used Vehicle Loan
-
-
8.10%
49-60 Months
DetailsAge of Vehicle: 5-10 Years
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 8.10% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Orrstown Bank Personal Loan Rates
Product
APR
Term
View More
Unsecured Personal Loan
11.74%
DetailsVariable rate; may change after account opening
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 11.49% → 11.74% ▲ 0.25 pts · high 11.74% / low 11.49%
Oct 26, 202611.74%▲ from 11.49%
Sep 15, 202611.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Orrstown Bank Other Rates
Product
Rate
Points
APY/APR
Term
View More
Improved Lot/Land Loan
-
-
7.35%
DetailsVariable rate; may change after account opening
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 7.10% → 7.35% ▲ 0.25 pts · high 7.35% / low 7.10%
Oct 26, 20267.35%▲ from 7.10%
Sep 15, 20267.10%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
SmartLockTM - Home Equity Line of Credit
1.99%
-
6.50%
6 months
DetailsState: PA & WV; Intro APR for 6 months; After intro rate is variable (WSJ Prime + margin), printed as 6.50% in the After Intro column; requires automatic payment enrollment from an Orrstown deposit account
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 6.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
SmartLockTM - Home Equity Line of Credit
1.99%
-
6.75%
6 months
DetailsState: MD; Intro APR for 6 months; After intro rate is variable (WSJ Prime + margin), printed as 6.75% in the After Intro column; requires automatic payment enrollment from an Orrstown deposit account
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 6.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Unimproved Lot/Land Loan
-
-
7.85%
DetailsVariable rate; may change after account opening
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 7.60% → 7.85% ▲ 0.25 pts · high 7.85% / low 7.60%
Oct 26, 20267.85%▲ from 7.60%
Sep 15, 20267.60%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.11%
Financial Health History
Orrstown Bank’s Texas Ratio fell from 8.61% in Q3 2023 to 4.11% 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 and its Health Grade from A 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
$5.6B
4.11%
5.0
A+
March 31, 2026
$5.6B
4.95%
5.0
A+
December 31, 2025
$5.5B
4.66%
5.0
A+
September 30, 2025
$5.5B
4.44%
5.0
A+
June 30, 2025
$5.4B
3.94%
5.0
A+
March 31, 2025
$5.4B
3.97%
5.0
A+
December 31, 2024
$5.4B
4.71%
5.0
A+
September 30, 2024
$5.5B
5.15%
5.0
A+
June 30, 2024
$3.2B
2.86%
5.0
A+
March 31, 2024
$3.2B
4.46%
5.0
A+
December 31, 2023
$3.1B
8.99%
5.0
A
September 30, 2023
$3.1B
8.61%
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 Orrstown 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 Orrstown 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 Orrstown Bank's official website for the most current offers and terms.
Address
4750 Lindle Rd,
Harrisburg, PA 17111 · Dauphin
Bank Holding CompanyORRSTOWN FINL SERVICES INC
FDIC Certificate #713
RegulatorFED
EstablishedMay 1, 1919
FDIC Insurance DateJanuary 1, 1934
Domestic Offices43
Total Branches43
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.11%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.6888%
Return on Equity (ROE)
14.9900%
Non-Performing Loans Ratio (NPL)
0.44%
Total Assets
$5,611,609,000
Total Deposits
$4,624,164,000
Equity Capital
$624,954,000
Net Income
$47,090,000
Headquarters
Harrisburg
Total Branches and Offices
43
Source: FDIC — Last Updated June 30, 2026
2026 MBR Health & Safety Badge
Orrstown 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 Orrstown Bank
Frequently Asked Questions About Orrstown Bank
Does Orrstown Bank offer CDs?
Yes. Orrstown Bank current CD rates include its 6-11-Months Traditional CD - 6-11-Month at 3.09% APY, its 12-17-Months Traditional CD - 12-17-Month at 2.84% APY and its 18-23-Months Traditional CD - 18-23-Month at 2.58% APY, verified by MonitorBankRates as of November 5, 2026.
Are CDs from Orrstown Bank FDIC insured?
Yes. Orrstown 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 Orrstown Bank?
The highest Orrstown Bank CD rate is its 6-11-Months Traditional CD - 6-11-Month at 3.09% APY, verified by MonitorBankRates as of November 5, 2026.
What CD terms does Orrstown Bank offer?
Orrstown Bank CD rates are 3.09% APY for an 11 month CD, 2.78% APY for a 12 month CD, 2.84% APY for a 17 month CD, 2.53% APY for an 18 month CD, 2.58% APY for a 23 month CD, 2.27% APY for a 2 year CD, 1.76% APY for a 29 month CD, 1.76% APY for a 35 month CD, 1.76% APY for a 3 year CD, 1.51% APY for a 4 year CD and 1.51% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Orrstown Bank for its full lineup.
What is the highest savings rate at Orrstown Bank?
The highest Orrstown Bank savings rate is its Health Savings Account at 0.30% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest money market rate at Orrstown Bank?
The highest Orrstown Bank money market rate is its Relationship Money Market Account at 1.81% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest checking rate at Orrstown Bank?
The highest Orrstown Bank checking rate is its Relationship Checking at 0.55% APY, verified by MonitorBankRates as of November 5, 2026.
What is the lowest auto loan rate at Orrstown Bank?
The lowest Orrstown Bank auto loan rate is its Auto Loans - New Vehicles at 6.80% APR, verified by MonitorBankRates as of November 5, 2026.
What is the lowest personal loan rate at Orrstown Bank?
The lowest Orrstown Bank personal loan rate is its Unsecured Personal Loan at 11.74% APR, verified by MonitorBankRates as of November 5, 2026.
How many branches does Orrstown Bank operate?
Orrstown Bank currently maintains approximately 43 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, Orrstown 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, Orrstown Bank provides members with tools to manage their accounts and build a solid financial history.
Does Orrstown Bank offer online and mobile banking?
Most modern institutions like Orrstown 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.orrstown.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 Orrstown Bank rates compare?
Orrstown Bank's top CD rate of 3.09% APY on an 11 month CD is 3% higher than the MonitorBankRates national average of 3.00% APY for that term, and it has an A+ health rating. Orrstown Bank's top rates are its 6-11-Months Traditional CD - 6-11-Month at 3.09% APY, its Health Savings Account at 0.30% APY, its Relationship Money Market Account at 1.81% APY, its Relationship Checking at 0.55% APY and its Unsecured Personal Loan at 11.74% APR, verified by MonitorBankRates on November 5, 2026.
Current Orrstown Bank Rates
12-Month CD2.78%
18-Month CD2.53%
24-Month CD2.27%
36-Month CD1.76%
48-Month CD1.51%
60-Month CD1.51%
Savings0.30%
MMA1.81%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
