FDIC-Insured - Backed by the full faith and credit of the U.S. Government
PERSONAL BANKING
Banking That Grows With You
Your needs change over time, and the accounts behind them should keep up. From everyday checking to savings, mortgages, and credit, you’ll find what you need in one place.
At Central Penn Bank & Trust, you’ll find everyday banking, savings options, and lending solutions in one place, backed by local decision-making and a team that takes the time to understand what you’re working toward.
Start Where You Are
Whether you’re opening your first account, setting money aside for a specific goal, or financing a major purchase, here’s where to find what fits.
Personal Checking
Everyday accounts with no minimum balance requirement, interest on qualifying balances, and access online, by telephone, or at the ATM. Choose from Free Interest Checking, a 50+ option for customers age 50 and older, an Interest Money Market for higher balances, and Health Savings Accounts for qualified medical expenses.
Savings & CDs
Set money aside for an emergency fund, holiday shopping, or a planned expense. Options include Regular Savings, Christmas and All-Purpose Clubs, PAUTMA youth savings, Fixed Rate, Variable Rate, and Jumbo CDs, and Traditional and Roth IRAs.
Home Loans
Financing for every stage of homeownership — conventional mortgages, construction loans, FHA and PHFA programs for qualified borrowers, and Home Equity Loans and HELOCs. Our mortgage team guides you from pre-approval through closing.
Loans & Lines of Credit
Personal loans with a fixed rate and consistent monthly payments, revolving lines of credit from $2,000 to $25,000, and financing for new and used vehicles, with terms and guidance shaped around your budget.
Personal Credit Cards
Rewards cards, cash back cards, and credit building solutions, each with mobile wallet compatibility, transaction alerts, online account management, and zero fraud liability on unauthorized purchases.
Decisions Made Close to Home
When you apply for a loan or open an account here, your request is reviewed locally by people who understand this area. That means faster answers, fewer hoops, and guidance that considers your full situation, not just what fits on an application.
- Lending decisions made locally
- Bankers you can reach by name
- Recommendations based on your goals and financial situation
Everyday Essentials Included
Convenient tools come standard across our personal accounts, so managing your money stays simple no matter which one you choose.
Handle Day-to-Day Money
Set Money Aside
Buy or Build a Home
Cover a Purchase or an Expense
Choose a Card
Save for Healthcare
Let’s Find the Right Fit
Whether you’re ready to open an account today or still weighing your options, our team is here to help you take the next step with confidence.
