Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (2024)

  1. Home
  2. Banks
  3. Penn Community Bank Deposit Rates

Today's 12-month CD rates can be found at 2.02%, 6-month CD rates at 4.70% and 3-month CD rates at 0.05%. Current savings rates are at 0.25% and money market rates are at 0.01%. Mortgage rates today on 30-year fixed loans are around 6.82%. Credit Card rates are at 15.04%. Personal Loan rates are at 9.50%. All these rates, and more, can be found in our database of rates. Penn Community Bank's 60-Month CD rates are at 1.25%, 48-Month CD rates are at 1.00%, 36-Month CD rates are at 1.00%, 24-Month CD rates are at 1.00%, 18-Month CD rates are at 0.85%. Penn Community Bank's savings rates are at 0.15%. Penn Community Bank's money market rates are at 0.10%. Penn Community Bank's 5/1 ARM (Jumbo) rates are at 6.50%, 7/1 ARM (Jumbo) rates are at 6.50%, 30-Year Fixed (Jumbo) rates are at 6.75%, 30-Year Fixed rates are at 6.00%.

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (1)

To see how these rates compare to Penn Community Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Penn Community Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Penn Community Bank CD rates. You can also compare Penn Community Bank savings rates, MMA rates and mortgage rates using our other rate lists.

Penn Community 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 Penn Community Bank? Share your experience about Penn Community Bank by leaving a review below, or read customer reviews before you decide to use Penn Community Bank.

Penn Community Bank Texas Ratio

Penn Community Bank's Texas Ratio is at 0.45%, which is considered excellent. The Texas Ratio for Penn Community Bank is lower than the national average of all banks, currently at 6.24%. 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.

Overall, Penn Community Bank is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate

APY/APR

vs Avg

12-Month CD

0.75%

2.81%

18-Month CD

0.85%

2.44%

24-Month CD

1.00%

2.39%

36-Month CD

1.00%

2.23%

48-Month CD

1.00%

2.12%

60-Month CD

1.25%

2.50%

Savings

0.15%

0.84%

MMA

0.10%

1.53%

30-Year Fixed

6.80%

6.69%

Credit Card

N/A

14.06%

Personal Loan

N/A

11.27%

Penn Community Bank

3969 Durham Rd
Doylestown, PA 18902

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (2)

MonitorBankRates' Rating

5/5

★★★★★

Review Penn Community Bank

Penn Community Bank CD Rates and Interest Rates

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (3)

Penn Community Bank

60-Month CD

1.25%

$500

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (4)

Penn Community Bank

48-Month CD

1.00%

$500

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (5)

Penn Community Bank

36-Month CD

1.00%

$500

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (6)

Penn Community Bank

24-Month CD

1.00%

$500

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (7)

Penn Community Bank

18-Month CD

0.85%

$500

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (8)

Penn Community Bank

12-Month CD

0.75%

$500

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (9)

Penn Community Bank

Common Cents Savings

0.15%

$0

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (10)

Penn Community Bank

Ultra Money Market

0.10%

$1,000

Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Penn Community Bank Mortgage Rates

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (11)

Penn Community Bank

30-Year Fixed

6.000%

6.138%

0.000

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (12)

Penn Community Bank

30-Year Fixed (Jumbo)

6.750%

6.797%

0.000

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (13)

Penn Community Bank

7/1 ARM (Jumbo)

6.500%

7.138%

0.000

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (14)

Penn Community Bank

5/1 ARM (Jumbo)

6.500%

7.286%

0.000

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare Penn Community Bank Rates with Other Competitive Bank and Credit Union Rates

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (15)

Waterman Bank

8-Month CD

5.35%

$0

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (16)

Popular Bank

7-Month CD

5.05%

$1,000

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (17)

Rolette State Bank

12-Month CD

4.91%

$500

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (18)

Ameriprise Financial

6-Month CD

4.50%

$0

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (19)

Hocking Valley Bank

6-Month CD

4.25%

$2,500

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (20)

University First Federal Credit Union

48-Month CD

4.09%

$500

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (21)

FNB of Bellville

Money Market

4.00%

$2,000,000

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (22)

Aroostook County FS&L Assoc.

60-Month CD

3.98%

$500

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (24)

American Eagle Financial Credit Union

6-Month CD

3.75%

$500

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (25)

Security Bank Tulsa, OK

Security Platinum 55 Checking

3.71%

$0

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (26)

Security Bank USA

36-Month CD

3.65%

$25,000

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (27)

Citizens Federal S&L Assoc

High Yield Savings

3.50%

$25,000

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (28)

Second Federal S&L

48-Month CD

3.50%

$500

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (29)

Dieterich Bank

36-Month CD

3.35%

$500

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (30)

Charter Bank TX

24-Month CD

3.25%

$1,000

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (31)

Franklin SB Franklin, NH

12-Month CD

3.25%

$2,000

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (32)

Camp Grove State Bank

High Performance Business Checking

3.15%

$100,000

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (33)

First State Bank of Harvey

24-Month CD

3.15%

$1,000

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (34)

Chelsea Savings Bank

60-Month CD

3.12%

$20,000

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (35)

Kearney Trust Company

60-Month CD

3.05%

$100

Ladysmith Federal S&L

Christmas Club Savings

3.03%

$0

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (36)

St. Ansgar State Bank

12-Month CD

3.00%

$1,000

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (37)

Wyoming Community Bank

36-Month CD

3.00%

$1,000

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (38)

Westbury Bank

12-Month CD

3.00%

$500

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (39)

Coleman County State Bank

24-Month CD

2.94%

$1,000

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (40)

Bank of Luxemburg

24-Month CD

2.85%

$1,000

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (41)

Citizens-Farmers Bank of Cole Camp

36-Month CD

2.77%

$1,000

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (42)

Senath State Bank

36-Month CD

2.52%

$500

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (43)

Clarion County Community Bank

48-Month CD

2.50%

$500

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (44)

North Star Bank

60-Month CD

2.37%

$500

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (45)

Grinnell State Bank

60-Month CD

2.32%

$1,000

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (46)

Brattleboro S&L

60-Month CD

2.25%

$500

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (47)

Homeland Community Bank

12-Month CD

2.00%

$500

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (48)

Logansport Savings Bank

60-Month CD

1.86%

$1,000

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (49)

Texas National Bank of Jacksonville

60-Month CD

1.75%

$500

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (50)

American State Bank (TX)

18-Month CD

1.51%

$1,000

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (51)

Gunnison S&L

Statement Savings

1.36%

$1

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (52)

American Bank of Beaver Dam

Money Market

1.16%

$250,000

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (53)

Community National Bank (VT)

60-Month CD

1.01%

$2,500

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (54)

First FSB of Kentucky

48-Month CD

1.00%

$500

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (55)

Torrington Savings Bank

Journey Savings

1.00%

$50,000

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (56)

Security Bank USA

Passbook Savings

0.80%

$100

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (57)

First Federal Community Bank N.A.

48-Month CD

0.75%

$500

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (58)

First Security Bank Mackinaw, IL

Money Market

0.75%

$2,500

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (59)

First FSB of Champaign Urbana

48-Month CD

0.40%

$1,000

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (60)

Collinsville Bank

24-Month CD

0.25%

$500

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (61)

Catskill Hudson Bank

Statement Savings

0.15%

$100

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (62)

The Union Bank Company

12-Month CD

0.07%

$500

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (63)

The Bank of Bourbonnais

36-Month CD

0.05%

$500

Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Penn Community Bank Mortgage Rates

Chase Bank

15-Year Fixed

5.000%

5.152%

0.000

1st Northern California Credit Union

7-Year Fixed

4.990%

5.287%

0.500

Navy Federal Credit Union

15-Year Fixed

5.125%

5.317%

0.250

NASA Federal Credit Union

15-Year Fixed

5.125%

5.332%

0.000

Genisys Credit Union

10 Year Fixed

5.250%

5.351%

0.726

Institution for Savings

15-Year Fixed

4.990%

5.353%

2.000

American Eagle Financial Credit Union

15-Year Fixed

5.125%

5.372%

0.000

Nuvision Federal Credit Union

15-Year Fixed

5.125%

5.405%

1.000

Peoples Trust Co. of St. Albans

15-Year Fixed

5.375%

5.413%

0.000

GTE Federal Credit Union

15 Year Fixed

5.250%

5.418%

0.500

Sikorsky Credit Union

15-Year Fixed

5.375%

5.431%

0.000

Genisys Credit Union

15 Year Fixed

5.375%

5.445%

0.731

One Nevada Credit Union

15 Year Fixed

5.250%

5.451%

1.000

Meridian Trust Federal Credit Union

15 Year Fixed

5.250%

5.452%

0.000

Wells Fargo

15 Year Fixed

5.125%

5.454%

1.000

Apple Federal Credit Union

15-Year Fixed

5.250%

5.487%

1.000

Citi

15-Year Fixed

5.375%

5.510%

0.875

First Technology Federal Credit Union

15-Year Fixed

5.500%

5.517%

0.113

Freedom Credit Union

5/1 ARM

5.500%

5.540%

0.000

Kirtland Federal Credit Union

15 Year Fixed

5.250%

5.547%

0.000

Luana Savings Bank

15-Year Fixed

5.500%

5.549%

0.000

Freedom Credit Union

15 Year Fixed

5.500%

5.568%

0.000

GTE Federal Credit Union

30 Year Fixed

5.500%

5.600%

0.500

Norfolk Community Federal Credit Union

15 Year Fixed

5.500%

5.605%

0.000

Mutual Security Credit Union

5/1 ARM

5.500%

5.614%

0.000

Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Penn Community Bank Information

Penn Community Bank

3969 Durham Rd
Doylestown, PA 18902
Bucks
Established Date: 01/01/1922
FDIC Certificate #: 30401
Date of FDIC Deposit Insurance: 10/27/1949

Bank Holding Company: PENN CMTY MUTUAL HOLDINGS INC

How Many Domestic U.S. Offices? 21

How Many Branches are There? 21

Is Penn Community Bank FDIC Insured? Yes

What is Penn Community Bank's Cert number? 30401

What is the maximum amount for insured deposits? $250,000 per holder, per account

Penn Community Bank Financials

Total Assets:

$2,746,366,000

Total Deposits:

$2,099,693,000

Equity Capital:

$265,784,000

Domestic Deposits:

$2,099,693,000

Net Income:

$4,616,000

Return on Assets:

0.8687%

Quarterly Return on Assets:

0.6800%

Pretax Return on Assets:

0.8392%

Pretax Quarterly Return on Assets:

0.8400%

Return on Equity:

8.1900%

Quarterly Return on Equity:

7.1100%

Common Equity Tier 1 Capital Ratio:

17.0859%

Tier 1 Risk-Based Capital Ratio:

17.0859%

Leverage Tier 1 (Core Capital) Ratio:

12.6009%

Total Risk-Based Capital Ratio (YTD):

18.0181%

Total Interest Income (YTD):

3.3473%

Headquarters:

Doylestown

FDIC Field Office:

Philadelphia

Regulator:

FDIC

County:

Bucks

# of Offices:

21

Metropolitan Statistical Area (MSA):

Philadelphia-Camden-Wilmington, PA-NJ-DE-MD

Consolidated Metropolitan Statistical Area (CMSA):

Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD

OTS Region:

Northeast

FDIC Region:

New York

Source: FDIC

Explore Other Rate Deals

Nordstrom Bank 1 Year CD Rates now at 0.90%

Nordstrom Bank 1 Year CD rates are now at 0.90 percent with a yield of 0.90 percent. View current 1 Year CD rates at Nordstrom Bank below.

Have interest rates stabilized or are rates going Up?

Don't ask the Fed, they can't make up their minds, last week, Federal Reserve Chairman, Ben Bernankesuggested thatthe current Fed interest rate policy is "well positioned to promote moderate growth and price stability over time". That "Fed Speak" signals that the central bank is done cutting interest rates for now, even though inflation is still a concern, "We are attentive to the implications of changes in the value of the dollar for inflation and inflation expectations, and will continue to formulate policy to guard against risks", Bernanke also said.

Heritage Bank 5 Year Jumbo CD Rates now at 1.13%

Heritage Bank 5 Year Jumbo CD rates are now at 1.13 percent with a yield of 1.13 percent. View the current 5 Year Jumbo CD rates at Heritage Bank below.

Bank or Credit Union Offers and Deals

NewportFed 5.51% APR Checking Account
ASE Credit Union Savings Account
New CD Rates at My e-BAnC by BAC Florida Bank
Alabama Central Credit Union Auto Loan Rates
Framingham Municipal CU Savings Interest Account and Money Market Account
15 Year Mortgage Rates Fall to 3.27%, Best Rates as Low as 2.875%
Mutual Security Credit Union Current 2 Year Mortgage Rate of 2.99%
CD Rates - March 19, 2010
Best and Average CD Rates September 6, 2012: FOMC Will Force Rates Lower
PurePoint Financial CD Rates Move Upward

Alternative Bank and Credit Union Offers to Explore

Discover Bank Money Market Account
Fed's Plan to Drive Mortgage Rates Lower is Working: 30 Year Mortgage Rates Down to 4.79%
Zions Bank Money Market Account
EH National Bank Money Market Account Rates now at 0.80%
New Jersey (NJ) Jumbo Mortgage Rates Today
Average CD Interest Rates First Week of 2011
giantbank.com 9 Month Jumbo CD Rates now at 0.85%
TAB Bank 2 Year Jumbo CD Rates now at 1.20%
Higher Mortgage Rates Today: Current 30 Year Refinance Rates at 3.62%
Fixed Home Mortgage Rates Make Record Lows MBA: 30 Year Mortgage Rates at 4.38%, 15 Year Mortgage Rates at 3.77%

Penn Community Bank Reviews

There are no reviews for Penn Community Bank yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Penn Community Bank

See how Penn Community Bank Compares to other banks

Solon State Bank

CIBC

First Century Bank, N.A.

UBank Huntington, TX

Bank of Bartlett

Silvergate Bank

Bristol Morgan Bank

Independence State Bank

American Investors Bank and Mortgage

OceanFirst Bank

Huntingdon Valley Bank

InterBank

SFGI Direct

State Bank of Schaller

The Bank of Milan

Northern State Bank

Philadelphia Trust Co.

FNB of Gillette

Ozona Bank

First National Bank Spearman, TX

Penn Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (2024)
Top Articles
ZIP Code 01760 Info, Map, Demographics for Natick, MA
ZIP Code 5: 01760 - NATICK, MA
Walgreens Harry Edgemoor
Walgreens Boots Alliance, Inc. (WBA) Stock Price, News, Quote & History - Yahoo Finance
Danielle Moodie-Mills Net Worth
Combat level
Ghosted Imdb Parents Guide
Amtrust Bank Cd Rates
Fort Carson Cif Phone Number
Explore Tarot: Your Ultimate Tarot Cheat Sheet for Beginners
Eric Rohan Justin Obituary
Tyrunt
Nikki Catsouras Head Cut In Half
Paula Deen Italian Cream Cake
Doby's Funeral Home Obituaries
Hardly Antonyms
Seth Juszkiewicz Obituary
Yesteryear Autos Slang
Flights To Frankfort Kentucky
Byte Delta Dental
10-Day Weather Forecast for Santa Cruz, CA - The Weather Channel | weather.com
Craigslistjaxfl
SF bay area cars & trucks "chevrolet 50" - craigslist
Scotchlas Funeral Home Obituaries
Hennens Chattanooga Dress Code
1 Filmy4Wap In
4 Methods to Fix “Vortex Mods Cannot Be Deployed” Issue - MiniTool Partition Wizard
CVS Health’s MinuteClinic Introduces New Virtual Care Offering
Lacey Costco Gas Price
Leben in Japan – das muss man wissen - Lernen Sie Sprachen online bei italki
Pronóstico del tiempo de 10 días para San Josecito, Provincia de San José, Costa Rica - The Weather Channel | weather.com
Mercedes W204 Belt Diagram
Myhrconnect Kp
404-459-1280
KM to M (Kilometer to Meter) Converter, 1 km is 1000 m
Deshuesadero El Pulpo
Convenient Care Palmer Ma
Search All of Craigslist: A Comprehensive Guide - First Republic Craigslist
Daly City Building Division
Craigslist - Pets for Sale or Adoption in Hawley, PA
Brandon Spikes Career Earnings
Chathuram Movie Download
Disassemble Malm Bed Frame
Dr Mayy Deadrick Paradise Valley
Breaking down the Stafford trade
Lorton Transfer Station
Kate Spade Outlet Altoona
Kenwood M-918DAB-H Heim-Audio-Mikrosystem DAB, DAB+, FM 10 W Bluetooth von expert Technomarkt
Kushfly Promo Code
El Patron Menu Bardstown Ky
Research Tome Neltharus
Itsleaa
Latest Posts
Article information

Author: Virgilio Hermann JD

Last Updated:

Views: 6387

Rating: 4 / 5 (61 voted)

Reviews: 84% of readers found this page helpful

Author information

Name: Virgilio Hermann JD

Birthday: 1997-12-21

Address: 6946 Schoen Cove, Sipesshire, MO 55944

Phone: +3763365785260

Job: Accounting Engineer

Hobby: Web surfing, Rafting, Dowsing, Stand-up comedy, Ghost hunting, Swimming, Amateur radio

Introduction: My name is Virgilio Hermann JD, I am a fine, gifted, beautiful, encouraging, kind, talented, zealous person who loves writing and wants to share my knowledge and understanding with you.