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77 East King Street
Shippensburg, PA 17257

Orrstown Bank is headquartered in Shippensburg and is the 23rd largest bank in the state of Pennsylvania. It is also the 564th largest bank in the nation. It was established in 1919 and as of June of 2016, it had grown to 312 employees at 24 locations. Orrstown Bank's money market rates are 25% higher than the national average, and it has a B+ health rating.

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Reviews (5)

NO, Save Yourself!

Posted by: sc1509 | Sep 4, 2015

This bank has continually been horrible to work with. Over the summer, we had a fraudulent charge to our cards, it took two weeks for us to receive our money back into our account (around $900) and additional week to receive a new card and PIN mailer. I called to check on the status of our claim and was met with mean customer service when we needed OUR money to pay bills for our family. Also, I had asked some simple questions of the manager of Lurgan Branch, CSR at Stonehedge and neither could answer my simple transfer of funds question. Instead it was turned around on me and my own fault instead of doing active listening. This bank is HORRIBLE. Has sincerely gone downhill quickly. Run, don't walk, to a local FCU.

Worst Bank EVER!1

Can I not give any stars???!! They have poor decisions, I thought great customer service and satisfaction was something they strived for? Apparently not, and I told them I was not happy with them not reversing my mortgage that day, it wasn't suppose to come out to begin with b/c the funds were not avail.. what did they do, take it anyways, now I am getting slapped with all kinds of NSFs.. ok, my fault originally, but it takes a click of a button and she refuses to help us out when it was an honest mistake. I will take my mortgage elsewhere.

Orrstown Bank Is Deceitful

Posted by: timcasey | Oct 9, 2012

Orrstown Trust department was deceitful to me not to disclose to me who to report an unresponsive an attorney.  That attorney turned out to be the Chairman of the Board of Directors.  Three members of the Trust department refused to answer my questions honestly for months and one for over 2 years along with another senior person.  Do not trust them they only protect their interests not the customer.  The trust is  1.3 million dollars and that did not warranty honesty. Good luck dealing with this bank but as you can read for yourself they have a track record of being accused of deceptive practices ie;  SEPTA v. Orrstown.  I will be providing more details very soon.

Fees Are Outrageous

Posted by: Anonymous | May 1, 2012

After their restructuring of their operations the fees have become outrageous. It costs you money to bank with them. If it wasn't for some of their longtime employees I wouldn't have given them a star at all.

ORRSTOWN BANK--Denial Of Loan--

Posted by: James4 | Aug 9, 2011

Orrstown Bank Purchased the First National Bank of Newport a few years ago.   I have been less than impressed with this bank.  They have high fees and recently I have been denied a mortgage refinance.  I pay the current loan every month online from the checking account at Orrstown.  My payments will actually be less with the new loan, yet I was denied.  My current lender also was offering a 10% discount of the loan amount as an incentive to refinance.  So there denial has cost me $8400.  The loan amount would have only been for 70% of the appraisal value. My credit rating is 740.  It was 760 last month when I refinanced my primary residence.   This is ridiculous considering I have two other mortgages with this bank.  They basically are not counting my rental income.


Health Grade Components

FDIC Certificate #713
Year Established1919
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD7.87%
Annual Interest Income$20.2MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$1.31B$1.23B
LoansQ2 2016vs Q2 2015$825.1MM$741.8MM
DepositsQ2 2016vs Q2 2015$1.10B$963.6MM
Equity CapitalQ2 2016vs Q2 2015$126.7MM$128.3MM
Loan Loss AllowanceQ2 2016vs Q2 2015$13.4MM$13.9MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$14.1MM$10.4MM
Real Estate OwnedQ2 2016vs Q2 2015$651.00K$1.1MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Orrstown Bank Savings Account Rates

0.60%$100k-Jumbo IRA Statement Savings
0.50%$10k$100kPremium IRA Statement Savings
0.25%--Prime Statement Savings
0.15%--Statement Savings
0.15%*$10k*-Health Savings Account
OTHER TIERS: 0.05% Up to $2,500 | 0.10% $2,500 - $10k

Orrstown Bank Money Market Rates

0.55%*$250k*-Personal Relationship Money Market Account
OTHER TIERS: 0.25% $1k - $20k | 0.40% $20k - $100k | 0.50% $100k - $250k
0.55%*$250k*-Business Relationship Money Market Account
OTHER TIERS: 0.25% $1k - $20k | 0.40% $20k - $100k | 0.50% $100k - $250k
0.45%*$250k*-Personal Premium Money Market Account
OTHER TIERS: 0.10% $1k - $20k | 0.20% $20k - $100k | 0.25% $100k - $250k
0.45%*$250k*-Business Premium Money Market Account
OTHER TIERS: 0.10% $1k - $20k | 0.20% $20k - $100k | 0.25% $100k - $250k

Orrstown Bank Checking Account Rates

0.40%*$25k*-Nonprofit Checking
OTHER TIERS: 0.20% $10k - $25k
0.30%*$250k*-Relationship Premier Checking
OTHER TIERS: 0.05% $2,500 - $10k | 0.25% $10k - $250k
0.10%*$25k*-Public Funds
OTHER TIERS: 0.05% $10k - $25k
0.05%$500-Interest Checking

Orrstown Bank CD Rates

1.50%$2k-46 Month Growth CD
1.35%$2k-37 Month Growth CD
1.20%$2k-25 Month CD
1.20%$100k-25 Month Jumbo CD
0.90%$2k-13 Month CD

Orrstown Bank IRA Rates

1.50%$2k-46 Month Growth IRA
1.35%$2k-37 Month Growth IRA
1.20%$2k-25 Month IRA
1.20%$100k-25 Month Jumbo IRA
0.90%$2k-13 Month IRA

Orrstown Bank has 22 locations. Click to view all Orrstown Bank locations.