|
|
 |
Effective
Annual Percentage Rate (APR) listed are as of 12/15/2009
All interest rates are subject to change without notice.
|
Residential Mortgage Rates |
|
Term |
|
|
0 pts |
| |
|
Interest Rate |
Annual Percentage Rate |
|
30 Year Fixed |
Conforming |
5.125% |
5.265% |
| |
|
|
|
|
15 Year Fixed |
Conforming |
4.625% |
4.761% |
| |
|
|
|
|
FHA 30 Year Fixed |
Conforming |
5.375% |
5.802% |
| |
|
|
|
|
NOTES: |
Now offering Jumbo Conforming, Jumbo FHA, Reverse
mortgages and fixed period ARMS. Call 732
573-1136 for rates. Conforming Loans are up to
$417,000.00; Rates can be locked for 60
days. Rates are based on purchase transactions
with 20% down conforming loan amount and credit
scores over 720.
All rates subject to change without notice.
Payment Example: $100,000 conforming 30 year
mortgage priced at 5.125% with 0 points results in
monthly principal and interest of $545.00. |
|
|
|
Home Equity Loan/Line Rates |
|
Term Annual Percentage
Rate |
| 5 Year Term
(Minimum $5,000) |
6.25% |
|
10 Year Term (Minimum $10,000) |
6..50% |
|
15 Year Term (Minimum $20,000) |
6.75% |
|
|
|
| Home Equity Lines
of Credit |
WSJ Prime plus 1.5% floating |
|
NOTES: Minimum loan
$5000; No fees or closing costs. Terms
available: 5 years, 10 years, and 15 years with monthly loan payments of principal and
interest fixed.
Payment example: 5 year loan at 6.25% of $10,000
results in a monthly payment of $ 194.49 principal
and interest. Maximum loan to value ratio = 60%.
Homeowner's Insurance required on all loans, flood
insurance required when necessary.
All Home Equities have a
maximum loan amount of $100,000.00
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 3.25%
+ 1.5% = 4.75%) is $410.04 principal and interest per month.
Maximum rate = 16%. Minimum payment $100.00
per month. |
|
|
|
|
Auto Loans |
|
NEW AUTO |
USED AUTO |
|
Term |
Annual Percentage Rate |
|
36 Months |
7.55% |
|
48 Months |
7.75% |
|
|
|
|
|
Term |
Annual Percentage Rate |
|
36 Months |
9.00% |
|
|
|
|
|
|
|
|
|
|
|
Personal Unsecured Loans |
|
Term Annual Percentage Rate
|
|
1 to 5 years |
12.00% |
|
|
NOTES: Maximum auto loan
amount limited to NADA 'loan value'. Insurance
required. Terms available for new auto loans: 36
months or 48 months. A term of 36
months is available for used auto loans.
Payment example: $10,000 new car loan for 36
months priced at 7.55% results in a fixed
monthly payment of $311.30 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 |
Interest Rate |
Annual Percentage Yield |
Min. Bal to Open |
Min. Bal to Avoid Fee |
Fee |
|
Reg.
Personal Checking |
_ |
_ |
$25 |
_ |
_ |
|
NJ
Consumer1 Checking |
_ |
_ |
$10 |
_ |
$3.00 |
|
Business Checking |
_ |
_ |
$25 |
$500 |
$7.50 |
|
1Checks in excess of 8 per month incur a charge of $.50 each.
|
|
Interest
Checking |
|
Product |
Interest Rate |
Annual Percentage Yield |
Min. Bal to Open |
Min. Bal to Avoid Fee |
Fee |
|
Senior1 Checking 55 & Over |
0.50% |
0.50% |
$25 |
_ |
_ |
|
NOW2 |
0.25% |
0.25% |
$25 |
$500 |
$10.00 |
|
Super NOW2 |
|
|
$25 |
$500 |
$10.00 |
|
$0.01 -$9,999.99 |
0.25% |
0.25% |
|
|
|
|
$10,000 & over |
0.50% |
0.50% |
|
|
|
|
$50,000
& over |
0.60% |
0.60% |
|
|
|
Annual percentage yields assumes interest
will remain on deposit, withdrawals will reduce
earnings. Fees could reduce earnings. This is
a variable rate account, interest subject to change
without notice.
1 Minimum balance to obtain annual
percentage yield $2,500,
2
Minimum
balance to obtain annual percentage yield
$ 0.01.
|
|
Compass High-Yield1
Learn More |
$25 |
$500 |
$10 |
|
|
Deposit Value |
Interest Rate |
Annual Percentage Yield |
|
$0.01 - $9,999.99 |
0.25% |
0.25% |
|
$10,000.00 - $24,999.99 |
0.50% |
0.50% |
|
$25,000.00 - $49,999.99 |
0.65% |
0.65% |
|
$50,000.00 and over |
0.75% |
0.75% |
|
|
Annual percentage yields assumes interest
will remain on deposit, withdrawals will reduce
earnings. Fees could reduce earnings. This is
a variable rate account, interest subject to change
without notice.
1Minimum
balance to obtain Annual Percentage Yield $
0.01. |
|
Money Market
Personal/Business |
|
Product |
Interest Rate |
Annual Percentage Yield |
Min. Bal to Open |
Min. Bal to Avoid Fee |
Fee |
|
Beacon Money Market1 |
$25 |
_ |
_ |
|
2,500 - 9,999.99 |
0.35% |
0.35% |
|
_ |
_ |
|
10,000 - 24,999.99 |
0.65% |
0.65% |
_ |
_ |
_ |
|
25,000 - 49,999.99 |
0.75% |
0.75% |
_ |
_ |
_ |
|
50,000 and over |
0.85% |
0.85% |
_ |
_ |
_ |
|
Annual percentage yields assumes interest
will remain on deposit, withdrawal will reduce
earnings. Fees could reduce earnings. This is
a variable rate account, interest subject to change
without notice.
1Minimum balance to obtain Annual Percentage Yield $2,500.00.
No min bal fee. 1Limited to 6
pre-authorized withdrawals. |
|
Savings
Rates Personal/Business |
|
Product |
Interest Rate |
Annual Percentage Yield2 |
Min. Bal to Open |
Min. Bal to Avoid Fee |
Fee |
|
Passbook1 Savings |
.50% |
.50% |
$25 |
$100 |
$1.00 |
|
Statement1 Savings |
.50% |
.50% |
$25 |
$100 |
$1.00 |
|
Optional - minor/custodian accounts the fee is
waived Annual percentage yields assumes interest
will remain on deposit, withdrawal will reduce
earnings. Fees could reduce earnings. This is
a variable rate account, interest subject to change
without notice.
1Minimum
balance to obtain APY
$ 0.01. |
|
Holiday Club |
0.75% |
0.75% |
$5 |
- |
- |
|
Lamplighter Savings1 |
$25 |
$500 |
$10 |
|
|
|
Deposit Value |
Interest Rate |
Annual Percentage Yield |
|
$0.01 - $2,499.99 |
0.25% |
0.25% |
|
$2,500.00 - $9,999.99 |
0.35% |
0.25% - 0.33% |
|
$10,000.00 - $24,999.99 |
0.60% |
0.33% - 0.49% |
|
$25,000.00 - $49,999.99 |
0.85% |
0.49% - 0.67% |
|
$50,000.00 - & over |
0.95% |
0.67% - 0.95% |
|
|
Surf Savings1
Learn More |
$25 |
$500 |
$10 |
|
|
Deposit Value |
Interest Rate |
Annual Percentage Yield |
|
$0.01 - $9,999.99 |
0.50% |
0.50% |
|
$10,000.00 - $1,000,000.00 |
1.00% |
0.50% - 1.00% |
|
$1,000,000.01 and over |
0.25% |
1.00% - 0.33% |
|
|
Annual percentage yields assumes interest
will remain on deposit, withdrawal will reduce
earnings. Fees could reduce earnings. This is
a variable rate account, interest subject to change
without notice.
1Minimum balance of $0.01 to obtain Annual Percentage
Yield. Limited to 6 preauthorized withdrawals. |
|
Time Deposits
Personal/Business |
|
Term |
Interest Rate |
Annual Percentage Yield |
Min. Balance to Open |
|
3 months |
0.50% |
0.50% |
$500 |
|
6 months |
0.75% |
0.75% |
$500 |
|
9 months |
0.75% |
0.75% |
$500 |
|
12 months |
1.00% |
1.00% |
$500 |
|
13 months |
1.00% |
1.00% |
$500 |
|
15 months |
1.24% |
1.25% |
$500 |
|
18 months |
1.78% |
1.80% |
$500 |
|
21 months |
1.73% |
1.75% |
$500 |
|
24 months |
2.27% |
2.30% |
$500 |
|
30 months |
2.47% |
2.50% |
$500 |
|
36 months |
2.76% |
2.80% |
$500 |
|
48 months |
3.10% |
3.15% |
$500 |
|
60 months |
3.35% |
3.40% |
$500 |
|
Annual percentage yields assumes interest
will remain on deposit, withdrawal will reduce
earnings. Fees could reduce earnings. Interest rates
and annual percentage yields subject to change
without notice. Penalties may apply for early
withdrawal. |
|
Individual
Retirement Accounts
Time Deposits |
|
Term |
Interest Rate |
Annual Percentage Yield |
Min. Bal to Open |
|
12 months |
1.00% |
1.00% |
$500 |
|
13 months |
1.00% |
1.00% |
$500 |
|
15 months |
1.24% |
1.25% |
$500 |
|
18 months |
1.78% |
1.80% |
$500 |
|
21 months |
1.73% |
1.75% |
$500 |
|
24 months |
2.27% |
2.30% |
$500 |
|
30 months |
2.47% |
2.50% |
$500 |
|
36 months |
2.76% |
2.80% |
$500 |
|
48 months |
3.10% |
3.15% |
$500 |
|
60 months |
3.35% |
3.40% |
$500 |
|
Annual percentage yields assumes interest will
remain on deposit, withdrawal will reduce
earnings. Penalties may apply for early
withdrawal.
Fees could reduce earnings. Interest rates
and annual percentage yields subject to change
without notice. |
|
|
|
Current Special |
|
|
|
Rates that will knock
your socks off...
You'll enjoy the features of our 9
month Freedom Liquid CD that has competitive pricing and a guaranteed
interest rate. Best of all, withdrawal penalties will be waived after
the first six days of the account term or the first six days following
a partial withdrawal.
Just open a regular or business
checking account and a Freedom Liquid CD. Qualified withdrawals are
transferred to your checking account...it's that easy!
(1)
Annual percentage yields assumes interest will
remain on deposit, withdrawals will reduce
earnings. Penalties may apply for early
withdrawals.
Fees could reduce earnings. Interest rates
and annual percentage yields subject to change
without notice.
(2)Minimum balance to open $10,000.00.
(3) Available for Individual retirement
Account (IRA), Minimum balance to open $500.00.
(4) Offer is subject to change without
notice.
|
|
Promotional
CD Rates4 |
|
Product |
Interest Rate |
Annual Percentage Yield1 |
| |
|
| Freedom Liquid CD
2 |
|
| $10,000 and over |
0.995% |
1.00% |
| |
|
|
| |
|
|
| |
|
|
| |
|
| |
|
|
| |
|
|
|
12 months3 |
1.24% |
1.25% |
| 21 months3 |
1.98% |
2.00% |
| |
|
|
| |
|
|
| |
|
|
| |
|
| |
|
|
|
|
|
|
|
|
