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QNB Bank Rates and Review February 2026

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  3. QNB Bank Deposit Rates
QNB Bank's Certificates of Deposit Growth CD rates are at 3.00%, Certificates of Deposit Income CD rates are at 2.96%, Income CD rates are at 2.96%, Certificates of Deposit Growth CD rates are at 2.50%, Certificates of Deposit Income CD rates are at 2.47%. QNB Bank's savings rates are at 0.10%. QNB Bank's money market rates are at 0.01%.

QNB Bank

Rate Updates and Availability

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

QNB Bank Texas Ratio

QNB Bank's Texas Ratio is at 3.13%, which is considered excellent. The Texas Ratio for QNB Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

MonitorBankRates Rating

5.0
Excellent
Out of 5.0 Stars

QNB Bank has earned a Smart Rating of 5.0 out of 5 stars. 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.

Overall, QNB Bank is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars.

Current Interest Rates

Rate
APY/APR
vs. Avg
12-Month CD
0.25%
2.38%
18-Month CD
N/A
2.14%
24-Month CD
N/A
2.17%
36-Month CD
N/A
2.11%
48-Month CD
N/A
2.10%
60-Month CD
1.24%
2.23%
Savings
0.10%
0.60%
MMA
0.01%
0.75%
30-Year Fixed
N/A
6.09%
Credit Card
N/A
14.10%
Personal Loan
N/A
11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

QNB Bank
15 N 3rd St
Quakertown, PA 18951
Member FDIC
MonitorBankRates
Official Financial Rating
5.0
★★★★★
EXCELLENT
🏆

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QNB Bank CD Rates

Product Rate APY Term View More
Certificates of Deposit Growth CD 2.96% 3.00% 6 - 11 months
Min Deposit$500
Details$500.00 Minimum Growth CD.
Last Updated 02/09/2026
Certificates of Deposit Income CD 2.96% 2.96% 6 - 11 months
Min Deposit$5,000
Details$5,000.00 Minimum Income CD.
Last Updated 02/09/2026
Income CD - 2.96% 6 - 11 months
Min Deposit$100,000
Last Updated 02/09/2026
Certificates of Deposit Growth CD 2.47% 2.50% 18 - 23 months
Min Deposit$500
Details$500.00 Minimum Growth CD.
Last Updated 02/09/2026
Certificates of Deposit Income CD 2.47% 2.47% 18 - 23 months
Min Deposit$5,000
Details$5,000.00 Minimum Income CD.
Last Updated 02/09/2026
Income CD - 2.47% 18 - 23 months
Min Deposit$100,000
Last Updated 02/09/2026
Certificates of Deposit Growth CD 2.23% 2.25% 24 - 35 months
Min Deposit$500
Details$500.00 Minimum Growth CD.
Last Updated 02/09/2026
Certificates of Deposit Income CD 2.23% 2.23% 24 - 35 months
Min Deposit$5,000
Details$5,000.00 Minimum Income CD.
Last Updated 02/09/2026
Income CD - 2.23% 24 - 35 months
Min Deposit$100,000
Last Updated 02/09/2026
Certificates of Deposit Growth CD 60 month 1.24% 1.25% 60 months
Min Deposit$500
Details$500.00 Minimum Growth CD.
Last Updated 02/09/2026
Certificates of Deposit Income CD 60 month 1.24% 1.24% 60 months
Min Deposit$5,000
Details$5,000.00 Minimum Income CD.
Last Updated 02/09/2026
Income CD - 1.24% 60 months
Min Deposit$100,000
Last Updated 02/09/2026
Certificates of Deposit Growth CD 1.09% 1.10% 48 - 59 months
Min Deposit$500
Details$500.00 Minimum Growth CD.
Last Updated 02/09/2026
Certificates of Deposit Income CD 1.09% 1.09% 48 - 59 months
Min Deposit$5,000
Details$5,000.00 Minimum Income CD.
Last Updated 02/09/2026
Income CD - 1.09% 48 - 59 months
Min Deposit$100,000
Last Updated 02/09/2026
Certificates of Deposit Growth CD 0.99% 1.00% 36 - 47 months
Min Deposit$500
Details$500.00 Minimum Growth CD.
Last Updated 02/09/2026
Certificates of Deposit Income CD 0.99% 0.99% 36 - 47 months
Min Deposit$5,000
Details$5,000.00 Minimum Income CD.
Last Updated 02/09/2026
Income CD - 0.99% 36 - 47 months
Min Deposit$100,000
Last Updated 02/09/2026
Certificates of Deposit Growth CD 0.25% 0.25% 12 - 17 months
Min Deposit$500
Details$500.00 Minimum Growth CD.
Last Updated 02/09/2026
Certificates of Deposit Income CD 0.25% 0.25% 12 - 17 months
Min Deposit$5,000
Details$5,000.00 Minimum Income CD.
Last Updated 02/09/2026
Income CD - 0.25% 12 - 17 months
Min Deposit$100,000
Last Updated 02/09/2026
Income CD 12 Month Flex 12 CD 0.25% 0.25% 12 Month
Min Deposit$250
Last Updated 02/09/2026
Certificates of Deposit Growth CD 0.20% 0.20% 3 - 5 months
Min Deposit$500
Details$500.00 Minimum Growth CD.
Last Updated 02/09/2026
Certificates of Deposit Income CD 0.20% 0.20% 3 - 5 months
Min Deposit$5,000
Details$5,000.00 Minimum Income CD.
Last Updated 02/09/2026

QNB Bank Savings Rates

Product Rate APY View More
Personal Online eSavings 1.69% 1.70%
Min Deposit$5
Last Updated 02/09/2026
Individual/Family Health Savings 0.35% 0.35%
Min Deposit$25
Min Balance$5,000
Last Updated 02/09/2026
Individual/Family Health Savings 0.20% 0.20%
Min Deposit$25
Min Balance$0
Last Updated 02/09/2026
Personal & Business Statement Savings 0.10% 0.10%
Min Deposit$5
Last Updated 02/09/2026
Personal EZ Saver Clubs 0.10% 0.10%
Min Deposit$5
Last Updated 02/09/2026

QNB Bank Money Market Rates

Product Rate APY View More
Business High Yield Money Market 3.25% 3.30%
Min Deposit$25
Min Balance$2,500,000
Last Updated 02/09/2026
Personal High Yield Money Market 3.25% 3.30%
Min Deposit$25
Min Balance$2,500,000
Last Updated 02/09/2026
Business High Yield Money Market 3.20% 3.25%
Min Deposit$25
Min Balance$1,500,000
Last Updated 02/09/2026
Personal High Yield Money Market 3.20% 3.25%
Min Deposit$25
Min Balance$1,500,000
Last Updated 02/09/2026
Business High Yield Money Market 3.15% 3.20%
Min Deposit$25
Min Balance$1,000,000
Last Updated 02/09/2026
Personal High Yield Money Market 3.15% 3.20%
Min Deposit$25
Min Balance$1,000,000
Last Updated 02/09/2026
Business High Yield Money Market 2.57% 2.60%
Min Deposit$25
Min Balance$750,000
Last Updated 02/09/2026
Personal High Yield Money Market 2.57% 2.60%
Min Deposit$25
Min Balance$750,000
Last Updated 02/09/2026
Business High Yield Money Market 2.52% 2.55%
Min Deposit$25
Min Balance$500,000
Last Updated 02/09/2026
Personal High Yield Money Market 2.52% 2.55%
Min Deposit$25
Min Balance$500,000
Last Updated 02/09/2026
Business High Yield Money Market 2.47% 2.50%
Min Deposit$25
Min Balance$250,000
Last Updated 02/09/2026
Personal High Yield Money Market 2.47% 2.50%
Min Deposit$25
Min Balance$250,000
Last Updated 02/09/2026
Business High Yield Money Market 2.03% 2.05%
Min Deposit$25
Min Balance$100,000
Last Updated 02/09/2026
Personal High Yield Money Market 2.03% 2.05%
Min Deposit$25
Min Balance$100,000
Last Updated 02/09/2026
Business Select Money Market 1.39% 1.40%
Min Deposit$25
Min Balance$75,000
Last Updated 02/09/2026
Business Select Money Market 1.14% 1.15%
Min Deposit$25
Min Balance$50,000
Last Updated 02/09/2026
Business Select Money Market 0.80% 0.80%
Min Deposit$25
Min Balance$25,000
Last Updated 02/09/2026
Personal Select Money Market 0.70% 0.70%
Min Deposit$25
Min Balance$75,000
Last Updated 02/09/2026
Business Select Money Market 0.55% 0.55%
Min Deposit$25
Min Balance$10,000
Last Updated 02/09/2026
Personal Select Money Market 0.55% 0.55%
Min Deposit$25
Min Balance$50,000
Last Updated 02/09/2026
Business Select Money Market 0.50% 0.50%
Min Deposit$25
Min Balance$0
Last Updated 02/09/2026
Personal Select Money Market 0.45% 0.45%
Min Deposit$25
Min Balance$25,000
Last Updated 02/09/2026
Personal Select Money Market 0.40% 0.40%
Min Deposit$25
Min Balance$10,000
Last Updated 02/09/2026
Business Escrow Money Market 0.35% 0.35%
Min Balance$1,500
Last Updated 02/09/2026
Personal Select Money Market 0.35% 0.35%
Min Deposit$25
Min Balance$0
Last Updated 02/09/2026
Business Escrow Money Market 0.20% 0.20%
Min Balance$0
Last Updated 02/09/2026
Business High Yield Money Market 0.01% 0.01%
Min Deposit$25
Min Balance$0
Last Updated 02/09/2026
Personal High Yield Money Market 0.01% 0.01%
Min Deposit$25
Min Balance$0
Last Updated 02/09/2026

QNB Bank Checking Rates

Product Rate APY View More
Personal QNB-Rewards Checking 1.24% 1.25%
Min Deposit$25
Min Balance$0
Last Updated 02/09/2026
Personal QNB-Rewards Checking 0.35% 0.35%
Min Deposit$25
Min Balance$25,000
Last Updated 02/09/2026
Business Community Service Checking 0.10% 0.10%
Min Deposit$25
Last Updated 02/09/2026
Business Interest Checking 0.10% 0.10%
Min Deposit$25
Last Updated 02/09/2026
Personal QNB-Rewards Checking 0.10% 0.10%
Min Deposit$25
Min Balance$0
Last Updated 02/09/2026
Personal Interest Checking 0.05% 0.05%
Min Deposit$25
Last Updated 02/09/2026

QNB Bank Home Equity & HELOC

Product Rate Points APR Term View More
Fixed Rate Home Equity - - 5.00% 36 Months
DetailsAPR w/Auto Deduct, Maximum Loan-to-Value: 80%
Last Updated 02/09/2026
Fixed Rate Home Equity - - 5.25% 60 Months
DetailsAPR w/Auto Deduct, Maximum Loan-to-Value: 80%
Last Updated 02/09/2026
Fixed Rate Home Equity (Community Improvement Loan) - - 5.25% 60 Months
Detailsw/Auto Deduct
Last Updated 02/09/2026
Fixed Rate Home Equity - - 5.50% 36 Months
DetailsAPR w/o Auto Deduct, Maximum Loan-to-Value: 80%
Last Updated 02/09/2026
Fixed Rate Home Equity - - 5.75% 60 Months
DetailsAPR w/o Auto Deduct, Maximum Loan-to-Value: 80%
Last Updated 02/09/2026
Fixed Rate Home Equity (Community Improvement Loan) - - 5.75% 60 Months
Detailsw/o Auto Deduct
Last Updated 02/09/2026
Fixed Rate Home Equity - - 6.50% 84 Months
DetailsAPR w/Auto Deduct, Maximum Loan-to-Value: 80%
Last Updated 02/09/2026
Equity Choice - Home Equity Line of Credit - Interest Only - - 6.75% 10 Year Draw Period
Detailsw/Auto Deduct
Last Updated 02/09/2026
Equity Choice - Home Equity Line of Credit - Interest Only (Community Improvement Loan) - - 6.75% 10 Year Draw Period
Detailsw/Auto Deduct
Last Updated 02/09/2026
Fixed Rate Home Equity - - 6.75% 120 Months
DetailsAPR w/Auto Deduct, Maximum Loan-to-Value: 80%
Last Updated 02/09/2026
Fixed Rate Home Equity (Community Improvement Loan) - - 6.75% 120 Months
Detailsw/Auto Deduct
Last Updated 02/09/2026
Fixed Rate Home Equity - - 7.00% 84 Months
DetailsAPR w/o Auto Deduct, Maximum Loan-to-Value: 80%
Last Updated 02/09/2026
Equity Choice - Home Equity Line of Credit - Interest Only - - 7.25% 10 Year Draw Period
Detailsw/o Auto Deduct
Last Updated 02/09/2026
Equity Choice - Home Equity Line of Credit - Interest Only (Community Improvement Loan) - - 7.25% 10 Year Draw Period
Detailsw/o Auto Deduct
Last Updated 02/09/2026
Fixed Rate Home Equity - - 7.25% 120 Months
DetailsAPR w/o Auto Deduct, Maximum Loan-to-Value: 80%
Last Updated 02/09/2026
Fixed Rate Home Equity (Community Improvement Loan) - - 7.25% 120 Months
Detailsw/o Auto Deduct
Last Updated 02/09/2026
Fixed Rate Home Equity - - 7.50% 180 Months
DetailsAPR w/o Auto Deduct, Maximum Loan-to-Value: 80%
Last Updated 02/09/2026
Fixed Rate Home Equity - - 8.00% 240 Months
DetailsAPR w/o Auto Deduct, Maximum Loan-to-Value: 80%
Last Updated 02/09/2026

QNB Bank Personal Loan Rates

Product Rate Points APR Term View More
Personal Line of Credit - - 10.75%
DetailsUnsecured
Last Updated 02/09/2026
Personal Loan - - 14.00% 36 Months
DetailsAuto Deduct
Last Updated 02/09/2026
Personal Loan - - 14.50% 36 Months
DetailsWithout Auto Deduct
Last Updated 02/09/2026
Personal Loan - - 15.00% 72 Months
DetailsWithout Auto Deduct
Last Updated 02/09/2026
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.

Methodology & Data Sources

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

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

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

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

Bank Profile & Overview

QNB Bank
15 N 3rd St
Quakertown, PA 18951
Bucks
Established Date: 07/21/1877
FDIC Certificate #: 7714
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: QNB CORP
How Many Domestic U.S. Offices? 15
How Many Branches are There? 15
Is QNB Bank FDIC Insured? Yes
What is QNB Bank's Cert number? 7714
What is the maximum amount for insured deposits? $250,000 per holder, per account

Financial Health & Assets

Total Assets:
$1,702,021,000
Total Deposits:
$1,536,188,000
Equity Capital:
$79,632,000
Net Income:
$2,331,000
Return on Assets (ROA):
0.6946%
Return on Equity (ROE):
17.7000%
Headquarters:
Quakertown
Regulator:
FDIC
# of Offices:
15
Source: FDIC | Last Updated 03/31/2024

Customer Reviews

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Frequently Asked Questions About QNB Bank

How do I open an account at QNB Bank?

You can typically open an account at QNB Bank by visiting a local branch or applying through their official website.

Is there a first-time homebuyer program?

Currently, QNB Bank provides a range of mortgage and home equity products.

Is QNB Bank a safe place to deposit money?

Yes, QNB Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor.

Does QNB Bank offer online and mobile banking?

Most modern institutions like QNB Bank provide digital access including online balance checks and transfers.

Current QNB Bank Rates

ProductAPY
12-Month CD0.25%
60-Month CD1.24%
Savings0.10%
MMA0.01%

Rates subject to change.

Compare to other Banks