Effective: 12/3/2021

Home Equity Fixed Rate Loans

TermInterest RateAPR**Monthly Payment Per
$1000 borrowed
5 Year Fixed3.000%3.000%$17.97
10 Year Fixed3.375%3.375%$9.83
15 Year Fixed3.750%3.750%$7.27
20 Year Fixed4.000%4.000%$6.06
30 Year Fixed4.500%4.500%$5.07

**APR= Annual Percentage Rate. The payments do not include amounts for taxes and insurance premiums, if applicable. Your actual payment obligation will be greater. You will be required to pay a Mortgage Recording Fee at the time of closing. This fee can range from $60 to $80, depending upon the county in which the secured property is located. Property insurance required; flood insurance may be required.  Loans subject to credit approval.

  • Loan amounts: minimum $5,000 – maximum $500,000
  • Up to 75% loan to value less 1st mortgage balance
  • NJ properties only, owner-occupied, 1-4 family
  • Now serving all of Bergen, Passaic, Essex, Hudson, Union, Morris, Sussex, Warren, Middlesex, Mercer, Somerset, Ocean, Monmouth and Hunterdon Counties

Investment property loans are also available. Call us at 201-652-8776 for rates.

Home Equity Line of Credit (HELOC) Loans

TermInterest RateAPR*
15 Year - WSJ Prime minus .75%*2.50%2.50%
20 Year - WSJ Prime minus .75%2.50%2.50%

This is a Variable Rate Account, rates can change monthly

* Annual Percentage Rate (APR) is Prime as published in the Wall Street Journal (WSJ), as of the first business day of the month, minus 0.75%. The current Prime Rate is 3.25%. The minimum APR is 2.50% and the maximum APR is 15.00%.

Payment example:

  • Minimum payment for $10,000.00 based on 180 months @ 2.50% = $76.11
  • Minimum payment for $10,000.00 based on 240 months @ 2.50% = $70.55

Your minimum payments may not be sufficient to fully repay the principal that is outstanding on your line. If they are not, you will be required to pay the entire outstanding balance in a single payment.

  • Minimum Line of Credit: $5,000.00
  • Maximum Line of Credit: $500,000.00

No application fee for primary/secondary residence.

You will be required to pay a Mortgage Recording Fee at the time of closing. This fee can range from $60.00 to $80.00, depending upon the county in which the secured property is located. 

Property insurance required. Flood insurance may be required.

NJ Properties, owner-occupied 1-4 family only: Now serving all of Bergen, Passaic, Essex, Hudson, Union, Morris, Sussex, Warren, Middlesex, Mercer, Somerset, Ocean, Monmouth and Hunterdon Counties.

Investment property loans are also available. Call us at 201-652-8776 for rates.

All Loans Subject to credit approval.

Residential Mortgage Loan Rates

TermPointsInterest RateAPR**Monthly Payment Per
$1,000 Borrowed
15 Year Fixed02.375%2.446%$6.61
12.125%2.338%$6.49
21.875%2.229%$6.38
31.625%2.121%$6.26
20 Year Fixed02.875%2.930%$5.48
12.625%2.791%$5.36
22.375%2.650%$5.24
32.125%2.510%$5.12
30 Year Fixed03.125%3.165%$4.28
12.875%2.993%$4.15
22.625%2.820%$4.02
32.375%2.646%$3.89

**APR = Annual Percentage Rate. payments do not include amounts for taxes and insurance premiums, if applicable, and that the actual payment obligation will be greater. Property insurance required; flood insurance may be required. Rates are subject to change at any time without notice. The appropriate application fee is due with the return of your “intent to proceed”: one family – $500.00; 2-4 family – $650.00, which includes Appraisal, credit report(s), flood determination fees.

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Refinances and Purchases:

  • Loans up to $1,000,000 – maximum loan to value of 80%
  • Loans over $1,000,000 – maximum loan to value of 75%

Loan amounts: minimum $25,000

NJ properties only, owner-occupied, 1-4 family

Now serving all of Bergen, Passaic, Essex, Hudson, Union, Morris, Sussex, Warren, Middlesex, Mercer, Somerset, Ocean, Monmouth and Hunterdon Counties

Investment property loans are also available. Call us at 201-652-8776 for rates.

All loans subject to credit approval

Effective: 12/3/2021

Automobile Loans

NewInterest RateAPR**Monthly Payment Per
$1,000 borrowed
3 Years4.000%4.000%$29.52
4 Years4.250%4.250%$22.69
5 Years4.500%4.500%$18.64
UsedInterest RateAPR**Monthly Payment Per
$1,000 borrowed
2 Years5.000%5.000%$43.87
3 Years5.250%5.250%$29.97
4 Years5.500%5.500%$23.26

**APR = Annual Percentage Rate, Rates are subject to change at any time without notice. All loans subject to credit approval.

Maximum Loan Amount: $50,000

New vehicles: 15% down payment required.

Used vehicles cannot be more than 4 years old; maximum loan amount: 75% of cost or book value, whichever is less.

Commercial Real Estate Financing

Please contact our Senior Vice President and Chief Credit Officer, David Zurheide, at 973-636-2595 for further information.