Orrstown Bank

Overview / Commentary
77 East King Street
Shippensburg, PA 17257

Orrstown Bank is headquartered in SHIPPENSBURG and is the 15th largest bank in the state of Pennsylvania. It is also the 376th largest bank in the nation. It was established in 1919 and as of March of 2024, it had grown to 414 employees at 22 locations. Orrstown Bank's money market rates are 3X the national average, and it has an A health rating.

Reviews (7)

Orrstown bank experience

Posted by: |

I bank regularly with Orrstown bank. They are a small bank branch that is only located in Pennsylvania. I started banking with them a few years ago and they did a phenomenal job with helping me to get started. The woman at the bank who helped me open my checking and savings account provided me with excellent service. The bank itself was very clean and neat looking. All the people working inside the bank were nice and courteous as well. I was provided with excellent information and knowledge when I was opening my checking and savings account. The woman explained everything I needed to know and answered any questions I had. She also stayed a little later past closing time to completely finish explaining everything to me and getting things all set up. When I first opened my checking and savings account, they were offering online banking as well. The online banking option was extremely helpful and made things even more convenient for me. Overall, I was very satisfied with Orrstown bank and I would absolutely recommend them to anyone who lives in Pennsylvania.


Posted by: |

Bank does not offer competitive rates and is not depositor friendly. No CD rates are posted on line. CD automatic renewal rates aren't available until the day of maturity. You must call or visit a branch to get the rates. EWP is 50% of the expected TOTAL earned through maturity. Stick with credit unions if you can!

NO, Save Yourself!

Posted by: |

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: |

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: |

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: |

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 - YTD1.29%
Return on Equity - YTD13.99%
Annual Interest Income$42.7MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$3.18B$3.01B
LoansQ1 2024vs Q1 2023$2.27B$2.19B
DepositsQ1 2024vs Q1 2023$2.71B$2.53B
Equity CapitalQ1 2024vs Q1 2023$291.4MM$260.5MM
Loan Loss AllowanceQ1 2024vs Q1 2023$29.2MM$28.4MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$13MM$21.3MM
Real Estate OwnedQ1 2024vs Q1 2023$0$2.1MM
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Always verify rates and promotions with the bank or credit union. We are not Orrstown Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Orrstown Bank Savings Account Rates

0.35%$0-Statement Savings
0.30%*$2.5k*$10kHealth Savings Account
OTHER TIERS: 0.20% $0 - $2.5k
0.25%$0-All Purpose Club Savings Account
0.15%$1$100kPremium IRA Statement Savings
0.15%$100k-Jumbo IRA Statement Savings

Orrstown Bank Money Market Rates

1.51%*$250k*-Personal Premium Money Market Account
OTHER TIERS: 0.01% $0 - $1k | 0.25% $1k - $10k | 0.30% $10k - $20k | 0.45% $20k - $100k | 1.21% $100k - $250k
1.50%*$250k*-Business Money Market
OTHER TIERS: 0.25% $1k - $10k | 0.30% $10k - $20k | 0.45% $20k - $100k | 1.20% $100k - $250k

Orrstown Bank Checking Account Rates

0.65%*$500k*-Relationship Premier Checking
OTHER TIERS: 0.05% $0 - $2.5k | 0.10% $2.5k - $10k | 0.20% $10k - $20k | 0.35% $20k - $100k | 0.60% $100k - $500k
0.25%$500-Interest Checking
0.25%*$10k*-Opportunity Business Checking
OTHER TIERS: 0.15% $0+

Orrstown Bank CD Rates

1.92%$500-18-23 Month CD
1.76%$500-24-29 Month CD
1.76%$500-30-35 Month CD
1.66%$500-12-17 Month CD
1.51%$500-7-89 Days CD
1.51%$500-36-41 Month CD
1.51%$500-42-47 Month CD
1.51%$500-48-59 Month CD
1.51%$500-60-119 Month CD
1.51%$500-120 Month CD (Burial Funds ONLY)
1.41%$500-3-5 Month CD
1.41%$500-6-11 Month CD

Orrstown Bank IRA Rates

1.92%$500-18-23 Month IRA
1.76%$500-24-29 Month IRA
1.76%$500-30-35 Month IRA
1.66%$500-12-17 Month IRA
1.51%$500-7-89 Days IRA
1.51%$500-36-41 Month IRA
1.51%$500-42-47 Month IRA
1.51%$500-48-59 Month IRA
1.51%$500-60-119 Month IRA
1.51%$500-120 Month IRA (Burial Funds ONLY)
1.41%$500-3-5 Month IRA
1.41%$500-6-11 Month IRA


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