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Rates
Deposit Rates :: Loan Rates
Loan Rates
Effective: 01/06/2009
Rates subject to change without notice.
Available to New Jersey Residents Only
For more information call (201)659-3600 to speak
to a residential loan representative.
Fixed Rate Mortgage Loans
| Maturity | Interest Rate |
APR* | Points | Description |
|---|---|---|---|---|
| 10 Years | 5.500% | 5.500% | 0 | Fixed Rate, Owner Occupied, No points |
15 Years |
5.500% | 5.500% | 0 | Fixed Rate, Owner Occupied, No points |
20 Years |
5.750% | 5.750% | 0 | Fixed Rate, Owner Occupied, No points |
30 Years |
5.500% | 5.500% | 0 | Fixed Rate, Owner Occupied, No points (up to $417,000) |
30 Years |
5.750% | 5.750% | 0 | Fixed Rate, Owner Occupied, No points (Jumbo- over $417,000) |
Adjustable Rate Mortgages
| Product | Interest Rate |
APR* | Points | Maturity | Description |
|---|---|---|---|---|---|
| 1Yr. ARM | 4.750% | 3.251% | 0 | 30 Years | Adjustable Rate, Owner Occupied, 2% Adjustment Cap, 6% Lifetime Cap. Rate adjusts every year |
| 3/1 ARM | 5.250% | 3.611% | 0 | 30 Years | Adjustable Rate, Owner Occupied, 2% Adjustment Cap, 6% Lifetime Cap. Rate is fixed for first 3 years, adjusts every year thereafter. |
| 3/3 ARM | 5.250% | 4.095% | 0 | 30 Years | Adjustable Rate, Owner Occupied, 2% Adjustment Cap, 6% Lifetime Cap. Rate adjusts every 3 years. |
| 5/1 ARM | 5.250% | 3.896% | 0 | 30 Years | Adjustable Rate, Owner Occupied, 2% Adjustment Cap, 6% Lifetime Cap. Rate is fixed for first 5 years, adjusts every year thereafter |
| 7/1 ARM | 5.500% | 4.291% | 0 | 30 Years | Adjustable Rate, Owner Occupied, 2% Adjustment Cap, 6% Lifetime Cap. Rate is fixed for first 7 years, adjusts every year thereafter. |
| 10/1 ARM | 5.625% | 4.740% | 0 |
30 Years |
Adjustable Rate, Owner Occupied, 2% Adjustment Cap, 6% Lifetime Cap. Rate is fixed for first 10 years, adjusts every year thereafter. |
Fixed Rate Home Equity Loans
| Maturity | Interest Rate |
APR* | Points | Description |
|---|---|---|---|---|
2 to 4 years |
6.500% | 6.500% | 0 | Fixed Rate, No Points, No fees |
5 years |
6.500% | 6.500% | 0 | Fixed Rate, No Points, No fees |
6 to 9 years |
6.625% | 6.625% | 0 | Fixed Rate, No Points, No fees |
| 10 years | 6.625% | 6.625% | 0 | Fixed Rate, No Points, No fees |
11 to 15 years |
6.625% | 6.625% | 0 | Fixed Rate, No Points, No fees |
Home Equity Line of Credit
| Maturity | Interest Rate | APR* | Points | Description |
|---|---|---|---|---|
240 Months |
6.000% | 6.000% | 0 | Haven Equity Line Plan
Starting Rate of 6.000% is fixed for the first 6 months. Thereafter, the rate is a variable rate based on the Prime Rate. Minimum rate (floor) is 4.75%; Maximum rate (ceiling) is 16.50%. |
Commercial/ Mixed Use/ Multi-Family (5+ Units)
Please contact our Commercial Lenders at (201)262-7600 for details.
*Annual Percentage Rate
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