Rates

Rates effective as of October 1, 2022. Fees may reduce earnings.
APY = Annual Percentage Yield. 

Rewards Checking* Learn more

TIERINTEREST RATEAPY
$0 - $10,0000.05%0.05%
$10,000+0.03%0.05% to 0.03%
Qualifications not met0.01%0.01%

Qualifications

To earn rewards, do the following transactions and activities in Rewards Checking each monthly qualification cycle:

  • Have at least 10 signature-based debit card purchases post and settle
  • Be enrolled and receive monthly e-statement notice
  • Have at least one direct deposit or automatic payment (ACH) post and settle
  • Be enrolled and log into Online Banking

Certificates of Deposit (CDs) Learn more

TERMMINIMUM BALANCEAPY
6 months$1,0000.10%
12 months$1,0002.00%
18 months$1,0000.10%
24 months$1,0001.75%
36 months$1,0001.10%
48 months$1,0000.70%

Rates subject to change without notification. Minimum balance to open and earn dividends on Share Certificate of Deposit is $1,000. A penalty may or will be charged for early withdrawal for the share certificate of deposit.

Savings Accounts Learn more

ACCOUNTAVERAGE DAILY BALANCEAPY
Savings Account$100.000.02%
Club AccountsN/A0.05%
First Step Account$100.000.02%

Money Market Accounts Learn more

AVERAGE DAILY BALANCEAPY
$2,500 - $9,9990.25%
$10,000 - $49,9990.50%
$50,000+0.50%

Individual Retirement Accounts (IRAs) Learn more

TERMMINIMUM BALANCEAPY
IRA Savings Account$1000.02%
6 months Share Certificate$1,0000.05%
12 months Share Certificate$1,0000.05%
24 months Share Certificate$1,0000.15%
36 months Share Certificate$1,0000.20%
48 months Share Certificate$1,0000.20%

Rates subject to change without notification. Minimum balance to open and earn dividends on share certificate of deposit is $1,000. A penalty may or will be charged for early withdrawal for the share certificate of deposit.

New Auto Loans Learn more

TERMAPR*
Up to 30 months3.24%
Up to 36 months3.49%
Up to 48 months3.99%
Up to 60 months4.24%
Up to 72 months4.49%
Up to 84** months4.99%

*APR = Annual Percentage Rate. **Credit score of 680+ only as well as 2021 & newer. Qualified borrowers only. Rates published are base rates. The rate you pay will be based on the number of years your loan is financed, plus your individual creditworthiness.\

Used Auto Loans Learn more

TERMDESCRIPTIONAPR*
Up to 30 months2009 & Newer3.24%
Up to 60 months2015 & Newer4.24%
Up to 72 months2018 & Newer4.74%
Up to 84** months2020 & Newer5.24%

Collectible Car Loans

Please call us at 732-727-3500 ext. 220 for current Rates & Terms!

*APR = Annual Percentage Rate. **Credit score of 680+ only as well as 2021 & newer. Qualified borrowers only. Rates published are base rates. The rate you pay will be based on the number of years your loan is financed, plus your individual creditworthiness.

† Available for cars over 20 years old. Other terms & conditions apply.

Promotional Loans Learn more

BORROW AMOUNTTERMAPR*
Up to $15,000†Up to 24 months6.74%

*APR = Annual Percentage Rate. Qualified borrowers only. Rates published are base rates. The rate you pay will be based on the number of years your loan is financed, plus your individual creditworthiness. †Available for credit scores of 640 and above. $10,000 maximum for credit scores under 640.

Lifestyle Loans Learn more

BORROW AMOUNTTERMAPR*
From $1,000 up to $10,000Up to 60 months7.24%

*APR = Annual Percentage Rate. Qualified borrowers only. Rates published are base rates. The rate you pay will be based on the number of years your loan is financed, plus your individual creditworthiness.

Teacher Loans - No payments for 2 Summer months (July & August) Learn more

LOAN TYPEBORROW AMOUNTTERMAPR*
Auto LoansPlease refer to current auto loan rates10 payments/yearSee Above
Personal LoansUp to $15,000†Up to 60 monthsAs low as 7.24%
Promotional LoansUp to $15,000†Up to 24 monthsAs low as 6.74%

*APR = Annual Percentage Rate. 

† Available for credit scores of 640 and above. $10,000 maximum for credit scores under 640.

Personal Loans Learn more

BORROW AMOUNTTERMAPR*
Up to $15,000†Up to 60 months7.24%

*APR = Annual Percentage Rate. Qualified borrowers only. Rates published are base rates. The rate you pay will be based on the number of years your loan is financed, plus your individual creditworthiness. † Available for credit scores of 640 and above. $10,000 maximum for credit scores under 640.

Share Secured Loans

BORROW AMOUNTTERMAPR*
N/AUp to 48 months3.00%

*APR = Annual Percentage Rate. Qualified borrowers only. Rates published are base rates. The rate you pay will be based on the number of years your loan is financed, plus your individual creditworthiness.

Home Equity Open Line of Credit Learn more

DESCRIPTIONTERMAPR*LTV
Fixed Rate5 years5.74%Up to 80% Equity
Variable Rate10 years5.99%Up to 80% Equity
Variable Rate15 years5.99%Up to 80% Equity

*APR = Annual Percentage Rate

2nd Mortgage

DESCRIPTIONTERMAPR*LTV
Fixed Rate5 years5.50%Up to 80% Equity
Fixed Rate10 years5.74%Up to 80% Equity
Fixed Rate15 years5.99%Up to 80% Equity
Fixed Rate20 years6.24%Up to 80% Equity

1st Mortgages Available

Call 732-727-3500 ext. 220

*APR = Annual Percentage Rate. Qualified borrowers only. Rates subject to change without notification. Rates published are base rates. The rate you pay will be based on the number of years your loan is financed, plus your individual creditworthiness.

$250,000 Max

Checking Line of Credit Learn more

Interest Rates and Interest Charges

APR for Advances12.50%
Rates are based on credit worthiness and may vary but start as low as Prime + 4% with a floor of 12.50%.
Interest accrues daily based on your outstanding balance.No grace period applies.
Minimum Interest ChargeNo minimum charge.

Fees

Annual FeeNo annual fee.

Penalty Fee

Late PaymentA fee of 5% of the payment made will be charged.
Returned Payment$30 per item returned

How We Will Calculate Your Balance: We will use a balance computation method called daily balance.  See your account agreement for further details.