Security maintenance will occur with Online Banking: Wednesday, August 10th from 6:00 a.m. EST – 8:00 a.m. EST. Online Banking will not be available during this time.

*Annual Percentage Yield (APY) is effective as of April 6, 2022, and is subject to change without notice. Minimum to open and obtain the APY is $500. The Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. Interest is compounded daily and credited monthly. Penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Additional deposits or withdrawals of principal after opening are not permitted. At maturity the certificate of deposit will automatically renew for the same term. This special cannot be combined with any other offers or promotions and excludes institutional investors, brokered accounts, and public funds. Also available as an Individual Retirement Account (IRA) certificate of deposit. This is a limited-time offer and may be discontinued at any time.

Interest Rates

We are committed to providing competitive rates, the best services, and to show you the power of positive banking with a purpose. 

*Annual Percentage Yield (APY) is effective as of January 18, 2022. A minimum balance of $2,500 in new money (money not already on deposit with the bank) is required to open an account and required to remain on deposit in the account to avoid a monthly maintenance fee of $10.00. Interest is compounded daily and credited monthly. Fees may reduce earnings. The interest rate may change after account opening. Offer only available for an account maintained for personal family or household use.  Offer not available for business purpose accounts.  Offer is subject to change or may be withdrawn at any time. Federal regulations limit the number of preauthorized withdrawals made from a money market account to six per month. Contact your local Solutions Center for current standard rates and terms; refer to our fee schedule for additional information about changes. Bank refers to The Gratz Bank and LINKBANK, a division of The Gratz Bank. Member FDIC. 

*Annual Percentage Yield (APY) is effective as of July 5, 2022 and is subject to change without notice. Minimum to open and obtain the APY is $500. The Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. Interest is compounded daily and credited monthly. Penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Additional deposits or withdrawals of principal after opening are not permitted. Will automatically renew into an 18-month certificate of deposit at the time of maturity. This special cannot be combined with any other offers or promotions and excludes institutional investors, brokered accounts, and public funds. Also available as an Individual Retirement Account (IRA) certificate of deposit. This is a limited time offer and may be discontinued at any time

*Offer is for qualified borrowers, subject to credit approval. The minimum loan amount is $10,000. Limited to owner-occupied (primary or second/vacation homes) 1-4 family residences. First or second lien up to $750,000 with a combined Loan to Value of 80% or less. The introductory rate of 1.99% Annual Percentage Rate (APR) will be in effect for the first 6 billing cycles after your account is opened, whether or not funds have been advanced from your account during that time. After the introductory period, the rate will convert to the applicable variable rate that will vary with the Prime Rate (as published in the Wall Street Journal) plus a margin. Margin will be based on the credit score of the borrower(s). Variable-rate has a minimum of 5.50% and a maximum of 18%. As of 7/28/2022, the variable rate ranges from 5.50% to 6.75% based on a minimum credit score of 660, a maximum LTV ratio of 80%, and a minimum loan amount of $10,000. If the customer establishes automatic payments from an eligible The Gratz Bank or LINKBANK a division of The Gratz Bank deposit account, an additional “autopay” discount of 0.25% shall apply beyond the stated rate. A higher APR may be applied to lines with lower credit scores and discontinuance of autopay. No closing costs except title insurance (if required) for lines over $150,000 with $25,000 new money at the Bank. Homeowner’s insurance required. Flood insurance (if applicable) is required. All accounts have a 10-year interest-only draw period, followed by a 20-year repayment period. Offer subject to change.

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*Annual Percentage Yield (APY) is effective as of January 18, 2022. A minimum balance of $2,500 in new money (money not already on deposit with the bank) is required to open an account and required to remain on deposit in the account to avoid a monthly maintenance fee of $10.00. Interest is compounded daily and credited monthly. Fees may reduce earnings. The interest rate may change after account opening. Offer only available for an account maintained for personal family or household use.  Offer not available for business purpose accounts.  Offer is subject to change or may be withdrawn at any time. Federal regulations limit the number of preauthorized withdrawals made from a money market account to six per month. Contact your local Solutions Center for current standard rates and terms; refer to our fee schedule for additional information about changes. Bank refers to The Gratz Bank and LINKBANK, a division of The Gratz Bank. Member FDIC. 

*Double Your Impact bonuses will be paid within 60 days of the account open date. To receive the bonus, the account must be for personal, family or household use and in good standing with a balance greater than $0 at the time the bonus is paid. Variable Rate Annual Percentage Yield (APY) for interest-bearing accounts. Variable Rate APY may change at any time without further notice. Contact us for current rates and applicable fees specific to the checking product of interest. Fees may reduce earnings.

 

Ready to DOUBLE YOUR IMPACT?

Capital Region

Our team is thrilled to serve you, making partnering with local businesses, nonprofits and individuals easy. In addition, the team’s deep roots in the Capital Region makes for a collective unit passionate about community banking.

Lancaster Region

Our team is excited to have the opportunity to serve the flourishing community of Lancaster County. Here in the Lancaster Region, our team prides itself on providing excellent client service and financial solutions specific to your need.

Delaware Valley Region

Our team is delighted to serve the dynamic community of West Chester. Our team is proud to be a leading provider in small business solutions, while offering valuable products and services that make you, your neighborhood and your family feel more financially at ease.

Gratz Region

Our Gratz team is excited to continue serving the Gratz community. The team is dedicated to providing exceptional service, building strong relationships and developing personalized financial solutions just right for you.

FAQ

Your most frequently asked questions and our answers.

For us, it comes down to one thing — personal relationships. Relationships that inspire trust, innovation, and collaboration. 

Brent Smith

President