What are the current interest rates at Orrstown Bank?

Current rates for Orrstown Bank include: 12-Month CD: 2.78%, 18-Month CD: 2.53%, 24-Month CD: 2.27%, 36-Month CD: 1.76%, 48-Month CD: 1.51%, 60-Month CD: 1.51%, Savings: 0.30%, MMA: 1.71%

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Orrstown Bank Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

Orrstown Bank's top rates as of October 7, 2026 are 3.09% APY on its 6-11-Months Traditional CD - 6-11-Month, 0.30% APY on savings, 1.71% APY on money market accounts, 0.55% APY on checking, and personal loans from 11.49% APR, according to rates verified by MonitorBankRates. Other Orrstown Bank CD rates include 12-17-Months Traditional CD - 12-17-Month at 2.84%, 6-11-Months 6 - 11-Month IRA CDs at 2.78%, and 18-23-Months Traditional CD - 18-23-Month at 2.58%. 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 10/07/2026.

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.

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

4.11%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Orrstown Bank

4750 Lindle Rd
Harrisburg, PA 17111

https://www.orrstown.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.

Orrstown Bank CD Rates

Product	Rate	APY	Term
Traditional CD - 6-11 month	3.05%	3.09%	6-11 months
Min Balance $500 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 3.09% APY · checked 3 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 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 2.84% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
6 - 11 Month IRA CDs	2.75%	2.78%	6-11 Months
Min Balance $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.78% APY · checked 2 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 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 2.58% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
12 - 17 Month IRA CDs	2.50%	2.53%	12-17 Months
Min Balance $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.53% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
18 - 23 Month IRA CDs	2.25%	2.27%	18-23 Months
Min Balance $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.27% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
24 - 29 Month IRA CDs	1.75%	1.77%	24-29 Months
Min Balance $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.77% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
30 - 35 Month IRA CDs	1.75%	1.77%	30-35 Months
Min Balance $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.77% APY · checked 2 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 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 1.76% APY · checked 3 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 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 1.76% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
36 - 41 Month IRA CDs	1.50%	1.51%	36-41 Months
Min Balance $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
42 - 47 Month IRA CDs	1.50%	1.51%	42-47 Months
Min Balance $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
48 - 59 Month IRA CDs	1.50%	1.51%	48-59 Months
Min Balance $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
7 - 89 Day IRA CDs	1.50%	1.51%	7-89 Days
Min Balance $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.51% APY · checked 2 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 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 1.51% APY · checked 3 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 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 1.51% APY · checked 3 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 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 1.51% APY · checked 3 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 Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 1.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
3 - 5 Month IRA CDs	1.40%	1.41%	3-5 Months
Min Balance $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.41% APY · checked 2 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 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 1.41% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

Orrstown Bank Savings Rates

Product	Rate	APY
Health Savings Account	-	0.30%
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Health Savings Account	-	0.25%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Essential Savings	-	0.20%
Min Balance $250 Details APY1 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Momentum Savings	-	0.20%
Min Balance $0 Details APY1 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Health Savings Account	-	0.15%
Min Balance $0 Details Balance: $0 - $2,499 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

Orrstown Bank Money Market Rates

Product	Rate	APY
Relationship Money Market Account	-	1.71%
Min Balance $1,000,000 Details Balance: $1,000,000.00+ Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.71% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Preferred Money Market Account	-	1.66%
Min Balance $1,000,000 Details Balance: $1,000,000.00+ Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Relationship Money Market Account	-	1.56%
Min Balance $300,000 Details Balance: $300,000.00 - $499,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.56% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Relationship Money Market Account	-	1.56%
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.56% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Preferred Money Market Account	-	1.51%
Min Balance $300,000 Details Balance: $300,000 - $999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Relationship Money Market Account	-	1.26%
Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.26% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Relationship Money Market Account	-	1.26%
Min Balance $200,000 Details Balance: $200,000.00 - $299,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.26% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Preferred Money Market Account	-	1.21%
Min Balance $100,000 Details Balance: $100,000 - $299,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.21% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Relationship Money Market Account	-	0.50%
Min Balance $35,000 Details Balance: $35,000.00 - $64,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Relationship Money Market Account	-	0.50%
Min Balance $65,000 Details Balance: $65,000.00 - $99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Preferred Money Market Account	-	0.45%
Min Balance $35,000 Details Balance: $35,000 - $99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Relationship Money Market Account	-	0.35%
Min Balance $15,000 Details Balance: $15,000.00 - $34,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Preferred Money Market Account	-	0.30%
Min Balance $15,000 Details Balance: $15,000 - $34,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Relationship Money Market Account	-	0.30%
Min Balance $2,500 Details Balance: $2,500.00 - $14,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Preferred Money Market Account	-	0.25%
Min Balance $2,500 Details Balance: $2,500 - $14,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
IRA Money Market	-	0.15%
Min Balance $0 Details Balance: $0.01 - $2,499.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
IRA Money Market	-	0.15%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
IRA Money Market	-	0.15%
Min Balance $10,000 Details Balance: $10,000 and Above Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Preferred Money Market Account	-	0.01%
Min Balance $0 Details Balance: $0.01 - $2,499.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Relationship Money Market Account	-	0.01%
Min Balance $0 Details Balance: $0.01 - $2,499.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

Orrstown Bank Checking Rates

Product	Rate	APY
Relationship Checking	-	0.55%
Min Balance $500,000 Details Balance: > $500,000.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Relationship Checking	-	0.50%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Relationship Checking	-	0.50%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Relationship Checking	-	0.25%
Min Balance $20,000 Details Balance: $20,000.00 - $99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Interest Checking	-	0.20%
Min Balance $500 Details >= $500 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Relationship Checking	-	0.15%
Min Balance $10,000 Details Balance: $10,000 - $19,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Relationship Checking	-	0.10%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/07/2026 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: 4.11%
Relationship Checking	-	0.05%
Min Balance $0 Details Balance: $0.00 - $2,499.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

Orrstown Bank Business Checking Rates

Product	Rate	APY
Business Interest Checking	-	0.15%
Min Balance $10,000 Details Balance: >= $10,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Business Interest Checking	-	0.10%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/07/2026 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: 4.11%
Business Interest Checking	-	0.05%
Min Balance $0 Details Balance: $0.01 - $2,499.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

Orrstown Bank Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Installment Loan	-	-	6.38%
Details State: PA & WV Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.38% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
SmartLockTM - Home Equity Line of Credit	-	-	6.50%
Details Published APR range: 6.50% - 6.75%. After the 6-month introductory period, the rate will convert to a variable rate based on the Wall Street Journal Prime Rate plus a margin and will vary with market conditions. Current variable APR as of 9/17/2026 is 6.50% - 6.75%. Rate may increase after consummation. The 1.99% introductory APR requires enrollment in automatic payment from an Orrstown Bank deposit account. Without automatic payments, the introductory APR will be higher. If automatic payments are cancelled, the rate will adjust to the then-current variable rate. Subject to credit approval. Not available for refinancing existing Orrstown Bank HELOCs. Other terms and fees may apply. Visit Orrstown.com/SmartLock for complete details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 6.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Installment Loan	-	-	6.63%
Details State: MD Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.63% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

Orrstown Bank Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles Loan	-	-	6.80%	0-60 Months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.80% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
New Vehicles Loan	-	-	7.30%	61-72 Months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.30% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Used Vehicles Loan	-	-	7.70%	0-60 Months
Details Age of Vehicle: 1-4 Years Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 7.70% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Used Vehicles Loan	-	-	7.80%	61-72 Months
Details Age of Vehicle: 1-4 Years Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 7.80% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Used Vehicles Loan	-	-	7.95%	0-48 Months
Details Age of Vehicle: 5-10 Years Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 7.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
New Vehicles Loan	-	-	8.05%	73-84 Months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 8.05% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Used Vehicles Loan	-	-	8.10%	49-60 Months
Details Age of Vehicle: 5-10 Years Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 8.10% APR · checked 3 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	11.49%
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 11.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

Orrstown Bank Other Rates

Product	Rate	Points	APY/APR
Improved Lot/Land Loan	-	-	7.10%
Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.10% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Unimproved Lot/Land Loan	-	-	7.60%
Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.60% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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.

Bank Profile & Overview

Institution Name Orrstown Bank

Bank Holding Company ORRSTOWN FINL SERVICES INC

Address 4750 Lindle Rd, Harrisburg, PA 17111 · Dauphin

Website https://www.orrstown.com

FDIC Certificate # 713

Established 19190501

FDIC Insurance Date 19340101

Domestic Offices 43

Total Branches 43

Regulator FED

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

4.11%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.6888%

Return on Equity (ROE) 14.9900%

Non-Performing Loans (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 06/30/2026

Q2 2026 MBR Health & Safety Badge

Orrstown Bank earned the Verified Healthy badge

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Frequently Asked Questions About Orrstown Bank

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.