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rates

Mortgage | Home Equity Loans | Home Equity Line of Credit | Standard CD and IRA | Checking & Savings 

Effective as of: July 13, 2010

Mortgage Rates  
Product Type Points Interest
Rates
Annual Percentage
Rates (APR)
10 Year 20% Down- (Payment is $10.18 per $1,000) 0 4.125% 4.24%
15 Year 20% Down- (Payment is $7.52 per $1,000) 0 4.25% 4.33%
20 Year 20% Down- (Payment is $6.46 per $1,000) 0 4.75% 4.81%
30 Year 20% Down- (Payment is $5.44 per $1,000) 0 5.125%  5.17%
30 Year First Time Buyer- (Payment is $5.44 per $1,000) 0 5.125% 5.17%
30 Year Biweekly- (Payment is $5.44 per $1,000) 0 5.125% 5.17%

APR assumes 20% downpayment - maximum loan of $417,000.00.

We offer JUMBO Mortgage Rates. Please call for the current rate

Home Equity Loans (1st Lien Position) 
Rate Term Interest
Rate
Annual Percentage
Rate (APR)
5 Year- (Payment is $18.76 per $1,000) 4.75% 4.75%
10 Year- (Payment is $10.73 per $1,000) 5.25%  5.25%
15 Year- (Payment is $8.17 per $1,000) 5.50% 5.50%
20 Year- (Payment is $7.02 per $1,000) 5.75%  5.75%
25 Year-(Payment is $6.44 per $1,000) 6.00% 6.00%

APR assumes 20% downpayment.

RATES SHOWN INCLUDE 1/4% REDUCTION WITH AUTO PAYMENT DEDUCTED FROM A CHECKING ACCOUNT AT FSB

Home Equity Loans (2nd Lien Position) 
Rate Term Interest
Rate
Annual Percentage
Rate (APR)
5 Year- (Payment is $18.76 per $1,000) 4.75%  4.75%
10 Year- (Payment is $10.73 per $1,000) 5.25%  5.25%
15 Year- (Payment is $8.17 per $1,000) 5.50%  5.50%
20 Year- (Payment is $7.02 per $1,000) 5.75% 5.75%
25 Year- (Payment is $6.44 per $1,000) 6.00% 6.00%

APR assumes 20% downpayment.

RATES SHOWN INCLUDE 1/4% REDUCTION WITH AUTO PAYMENT DEDUCTED FROM A CHECKING ACCOUNT AT FSB

Home Equity Line of Credit 
Rate Term
Variable Rate APR 2.95%*
Minimum Rate (floor) is 5.00%
Maximum Rate (ceiling) is 18.00%
15 and 20  Year Repayment Term available

RATE SHOWN INCLUDES 1/4% REDUCTION WITH AUTO PAYMENT DEDUCTED FROM A CHECKING ACCOUNT AT FSB.*INTRODUCTORY RATE FOR 12 MONTHS WITH A MINIMUM PRINCIPAL BALANCE OF $10,000.00. 

Standard CD and IRA Rates 
Certificate of Deposit
(CD) Description
Minimum Deposit to
Open Account
Interest
Rate
Annual Percentage
Yield (APY)
91 Day CD $500.00 0.747% 0.75%
6 Months CD $500.00 0.995% 1.00%
8 Months CD $500.00 1.044% 1.05%
1 Year CD $500.00 1.192% 1.20%
13 Month CD $500.00 1.242% 1.25%
15 Months CD $500.00 1.291% 1.30%
18 Months CD $500.00 1.291% 1.30%
24 Months CD $500.00 1.733% 1.75%
30 Months CD $500.00 1.980% 2.00%
4 Year CD $500.00 2.225% 2.25%
5 Year CD $500.00 2.761% 2.80%

Minimum deposit required to obtain the annual percentage yield. Interest is compounded daily and credited monthly. Rates subject to change without notice. A penalty may be imposed for premature withdrawal. Fees may reduce earnings on accounts.

Checking & Savings Rates 
Product Minimum Deposit to
Open Account
Interest
|Rate
Annual Percentage
Yield (APY)
Passbook Savings $10 0.50% 0.50%
Statement Savings $10 0.50% 0.50%
NOW Checking $100 0.10% 0.10%
Business Checking $1 0% 0%
NJ ConsumerChecking $50 0% 0%
       
MMDA effective 07/13/10      
MMDA $1,000-$24,999 $1,000 0.500% 0.50%
MMDA $25,000-$99,999 $1,000 0.747% 0.75%
MMDA $100,000 Plus $1,000 0.747% 0.75%

Minimum opening deposit and minimum balance to earn annual percentage yield. Rates subject to change without notice. Fees may reduce earnings on accounts.

Interest rates and APYs on checking and savings accounts are variable and are subject to change at managements' discretion.