|
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|
Home Equity Loan/Line Rates |
 |
| 5 Year Term |
5.25% |
|
10 Year Term |
5.50% |
|
15 Year Term |
5.75% |
|
20 Year Term |
6.00% |
| Home Equity Lines
of Credit |
WSJ Prime Floating |
|
NOTES: Minimum loan
$5000; No fees or closing costs. Terms
available: 5 years, 10 years, 15 years, and 20
years with monthly loan payments of principal and
interest fixed.
Payment example: 5 year loan at 5.25% of $10,000
results in a monthly payment of $ 189.86 principal
and interest. Maximum loan to value ratio = 75%.
Homeowner's Insurance required on all loans, flood
insurance required when necessary.
The Annual Percentage Rate (APR) on the Home
Equity Line of Credit may vary. Monthly payment on
the Home Equity Line of Credit based on 1/240th of
principal plus interest.
Payment example: $50,000 Line (WSJ Prime of 5.00%)
= $420.66 principal and interest per month.
Maximum rate = 16%. Minimum payment $100.00
per month. |
All rates effective as of May 16,
2008 |
|
|
|
Auto Loans |
|
NEW AUTO |
USED AUTO |
|
36 Months |
5.75% |
|
48 Months |
6.00% |
|
60 Months |
6.00% |
|
|
36 Months |
7.00% |
|
48 Months |
7.25% |
|
60 Months |
7.50% |
|
|
|
All rates effective
as of: May 16, 2008 |
|
Personal Unsecured Loans |
1 to
5 years |
11.75% |
11.75% APR |
|
NOTES: Maximum auto loan
amount limited to NADA 'loan value'. Insurance
required. Terms available for auto loans: 36
months, 48 months, or 60 months.
Payment example: $10,000 new car loan for 36
months priced at 5.75% results in a fixed
monthly payment of $303.14 principal and
interest. Interest rate on personal loan may
vary.
Personal loan maximum = $20,000. Terms available
for Personal loans: 36 months, 48 months, or 60
months. |
|
|
|
Product |
Rate |
APY |
Min. Bal |
Fees |
| Reg.
Personal Checking |
_ |
_ |
_ |
_ |
| NJ
Consumer Checking |
_ |
_ |
_ |
$3.00 |
|
Business Checking |
_ |
_ |
$500.00 |
$7.50 |
|
Interest Checking |
|
Product |
Rate |
APY |
Min. Bal |
Fees |
|
Senior Checking 55 & Over |
.50% |
.50% |
$2,500
|
_ |
| NOW* |
0.50% |
.50% |
$500 |
$10.00 |
| Super
NOW * |
|
|
|
|
| $0.01 -$9,999.99 |
0.50% |
.50% |
$500 |
$10.00 |
|
$10,000 & over |
1.00% |
1.00% |
|
|
| $50,000
& over |
1.25% |
1.25% |
|
|
|
*minimum
balance of $500 to avoid a $10 monthly service
charge
Min Bal to obtain APY
$ 0.01
Fees could reduce
earnings.
|
|
Compass High-Yield*
|
Learn More |
|
|
|
$ .01-$ 9,999.99 |
.50% |
.50% |
$5,000 |
$15.00
|
|
$ 10,000 & over |
1.25% |
1.25% |
|
|
|
$ 25,000 & over |
1.49% |
1.50% |
|
|
|
$ 50,000 & over |
1.99% |
2.00% |
|
|
|
*minimum balance of $5,000 to avoid a $15 monthly
service charge
Min Bal to obtain APY
$ 0.01
Fees could reduce
earnings.
|
|
Money Market
Personal/Business |
|
Product |
Rate |
APY |
Min. Bal |
Fees |
|
Beacon Money Market |
|
2,500 - 9,999.99 |
.50% |
.50% |
_ |
_ |
|
10,000 - 24,999.99 |
1.49% |
1.50% |
_ |
_ |
|
25,000 - 49,999.99 |
1.74% |
1.75% |
_ |
_ |
|
50,000 and over |
2.23% |
2.25% |
_ |
_ |
Limited to 6 pre-authorized withdrawals, 3 may
be checks
Min. Bal to obtain APY $2,500.00 |
|
Savings
Personal/Business |
|
Product |
Rate |
APY |
Min. Bal |
Fees |
|
Passbook Savings |
.50% |
.50% |
$100 |
$1.00 |
|
Statement Savings |
.50% |
.50% |
$100 |
$1.00 |
|
Optional - minor/custodian accounts the fee is
waived |
|
Holiday Club |
1.25% |
1.25% |
- |
- |
|
Lamplighter Savings
*minimum balance of $500 to avoid a $10 monthly
service charge |
|
|
|
|
Deposit Value* |
Rate |
APY |
|
$1.00 - $2,499.99 |
0.50% |
0.50% |
|
$2,500.00 - $9,999.99 |
0.50% |
0.50% - 0.50% |
|
$10,000.00 - $24,999.99 |
1.50% |
0.50% - 1.10% |
|
$25,000.00 - $49,999.99 |
1.75% |
1.10% - 1.43% |
|
$50,000.00 - & over |
2.25% |
1.43% - 2.26% |
|
|
Surf
Savings
Learn More
*minimum balance of $500 to avoid a $10 monthly
service charge.
* Min Bal to obtain APY $0.01 |
|
|
|
|
Deposit Value* |
Rate |
APY |
|
$0.01 - $9,999.99 |
.0.50% |
.0.50% |
|
$10,000.00 - $1,000,000.00 |
2.25% |
0.50% - 2.25% |
|
$1,000,000.01 and over |
0.75% |
2.25% -.0.90% |
|
|
Fees could reduce earnings. |
|
Time Deposits
Personal/Business |
|
|
|
Term |
Rate |
APY |
Min. Bal |
| 3
months |
1.98% |
2.00% |
$500 |
| 6
months |
2.23% |
2.25% |
$500 |
| 9
months |
2.47% |
2.50% |
$500 |
| 12
months |
2.47% |
2.50% |
$500 |
| 13
months |
2.47% |
2.50% |
$500 |
| 15
months |
2.47% |
2.50% |
$500 |
| 18
months |
2.71% |
2.75% |
$500 |
| 21
months |
2.71% |
2.75% |
$500 |
| 24
months |
2.71% |
2.75% |
$500 |
| 30
months |
2.96% |
3.00% |
$500 |
| 36
months |
2.96% |
3.00% |
$500 |
| 48
months |
2.96% |
3.00% |
$500 |
| 60
months |
2.96% |
3.00% |
$500 |
|
9 Month Liquid CD |
0.50% |
0.50% |
$500.00-$ 9,999.99 |
| |
2.61% |
2.65% |
$10,000.00 and over |
|
Penalties may apply for early withdrawal.
Rules are subject to change.
Fees could reduce earnings. |
|
Individual
Retirement Accounts
Time Deposits |
|
Term |
Rate |
APY |
Min. Bal |
Fees |
| 12
months |
2.47% |
2.50% |
$500 |
none |
| 13
months |
2.47% |
2.50% |
$500 |
none |
| 15
months |
2.47% |
2.50% |
$500 |
none |
| 18
months |
2.71% |
2.75% |
$500 |
none |
| 21
months |
2.71% |
2.75% |
$500 |
none |
| 24
months |
2.71% |
2.75% |
$500 |
none |
| 30
months |
2.96% |
3.00% |
$500 |
none |
| 36
months |
2.96% |
3.00% |
$500 |
none |
| 48
months |
2.96% |
3.00% |
$500 |
none |
| 60
months |
2.96% |
3.00% |
$500 |
none |
|
Penalties may apply for early withdrawal.
Rules are subject to change.
Fees could reduce earnings. |
Rates are subject to
change without notice.
All rates effective as of
May 16, 2008 |
|
|
Current Special |
 |
|
Rates that will knock
your socks off...
New Money Only. All
funds must come from a financial institution other than SCB. Minimum
balance to open $500.00
Annual Percentage Yield assumes interest will remain on deposit,
withdrawal will reduce earnings. Penalty for early withdrawals. Rates
are subject to change without notice.
(1) Interest Rates and
annual percentage yields subject to change at manager's discretion.
(2) Interest Rate/APY
paid on balance of $10,000 and over
(3) Available for
Individual Retirement Account (IRA)
Penalties may apply for early withdrawal.
Rules are subject to change.
|
|
Premium CD Rates1 |
| Product |
Interest Rate1 |
APY1 |
| 6 Month CD |
2.47% |
2.50% |
| 12 Month CD3 |
2.71% |
2.75% |
| 24 Month CD3 |
2.96% |
3.00% |
| 60 Month CD3 |
3.20% |
3.25% |
| 9 Month Liquid CD2 |
|
| $10,000 and over |
2.61% |
2.65% |
| $ 500 - $ 9,999.99 |
0.50% |
0.50% |
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