Rates effective as of April 1, 2025. Fees may reduce earnings.
APY = Annual Percentage Yield.
Rewards Checking* Learn more
| TIER | INTEREST RATE | APY |
|---|---|---|
| $0 - $10,000 | 0.05% | 0.05% |
| $10,000+ | 0.03% | 0.05% to 0.03% |
| Qualifications not met | 0.01% | 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
Share Certificates (CDs) Learn more
| TERM | MINIMUM BALANCE | APY |
|---|---|---|
| 6 months | $1,000 | 3.25% |
| 12 months | $1,000 | 3.00% |
| 18 months | $1,000 | 0.10% |
| 24 months | $1,000 | 2.00% |
| 36 months | $1,000 | 1.10% |
| 48 months | $1,000 | 0.70% |
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
| ACCOUNT | AVERAGE DAILY BALANCE | APY |
|---|---|---|
| Savings Account | $100.00 | 0.02% |
| Club Accounts | N/A | 0.05% |
| First Step Account | $100.00 | 0.02% |
Money Market Accounts Learn more
| AVERAGE DAILY BALANCE | APY |
|---|---|
| $2,500 - $9,999 | 1.00% |
| $10,000 - $49,999 | 2.00% |
| $50,000+ | 2.00% |
Individual Retirement Accounts (IRAs) Learn more
| TERM | MINIMUM BALANCE | APY |
|---|---|---|
| IRA Savings Account | $100 | 0.02% |
| 6 months Share Certificate | $1,000 | 3.25% |
| 12 months Share Certificate | $1,000 | 3.00% |
| 24 months Share Certificate | $1,000 | 2.00% |
| 36 months Share Certificate | $1,000 | 1.10% |
| 48 months Share Certificate | $1,000 | 0.70% |
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.
New Auto Loans Learn more
| TERM | APR* |
|---|---|
| Up to 36 months | 5.25% |
| Up to 60 months | 5.75% |
| Up to 84** months | 6.25% |
*APR = Annual Percentage Rate. **Credit score of 680+ only as well as 2024 & 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
| TERM | DESCRIPTION | APR* |
|---|---|---|
| Up to 36 months | 2014 & Newer | 4.99% |
| Up to 60 months | 2018 & Newer | 5.24% |
| Up to 72 months | 2021 & Newer | 5.50% |
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 2022 & 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 AMOUNT | TERM | APR* |
|---|---|---|
| Up to $15,000† | Up to 24 months | 10.74% |
*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 AMOUNT | TERM | APR* |
|---|---|---|
| From $1,000 up to $10,000 | Up to 60 months | 10.99% |
*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 TYPE | BORROW AMOUNT | TERM | APR* |
|---|---|---|---|
| Auto Loans | Please refer to current auto loan rates | 10 payments/year | See Above |
| Personal Loans | Up to $15,000† | Up to 60 months | As low as 8.74% |
| Promotional Loans | Up to $15,000† | Up to 24 months | As low as 8.74% |
*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 AMOUNT | TERM | APR* |
|---|---|---|
| Up to $15,000† | Up to 60 months | 10.99% |
*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 AMOUNT | TERM | APR* |
|---|---|---|
| N/A | Up to 48 months | 3.00% |
*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
| DESCRIPTION | TERM | APR* | LTV |
|---|---|---|---|
| Fixed Rate | 5 years | 7.50% | Up to 80% Equity |
| Variable Rate | 10 years | 7.50% | Up to 80% Equity |
| Variable Rate | 15 years | 7.50% | Up to 80% Equity |
*APR = Annual Percentage Rate
2nd Mortgage
| DESCRIPTION | TERM | APR* | LTV |
|---|---|---|---|
| Fixed Rate | 5 years | 5.99% | Up to 80% Equity |
| Fixed Rate | 10 years | 6.24% | Up to 80% Equity |
| Fixed Rate | 15 years | 6.49% | Up to 80% Equity |
| Fixed Rate | 20 years | 6.74% | Up to 80% Equity |
1st Mortgages Available
1st Mortgages are available through referral to Cross Country Mortgage (NMLS# 1487417). For more information, please 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
Visa Classic Learn more
| Annual Percentage Rate (APR) for Purchases (Fixed) | 10.99% | 14.99% | 15.99% | 16.99% |
| APR for Balance Transfers (Fixed) | 10.99% | 14.99% | 15.99% | 16.99% |
| APR for Cash Advances (Fixed) | 10.99% | 14.99% | 15.99% | 16.99% |
| Penalty APR and When it Applies | 18.00% If your payment is 60 days late. This APR may be applied to your account if you: 1) Make a late payment; 2) Make a payment that is returned; or 3) Do any of the above on another account that you have with us. How Long Will the Penalty APR Apply?: If your APR is increased for any of these reasons, the penalty APR will apply until you make six consecutive minimum payments when due. |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date (Grace Period) each month. |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board. |
*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.
Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). An explanation of this method is provided in your account agreement.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Visa Platinum Learn more
| Annual Percentage Rate (APR) for Purchases (Fixed) | 14.99% | 15.99% | 16.99% | 17.99% |
| APR for Balance Transfers (Fixed) | 14.99% | 15.99% | 16.99% | 17.99% |
| APR for Cash Advances (Fixed) | 14.99% | 15.99% | 16.99% | 17.99% |
| Penalty APR and When it Applies | 18.00% If your payment is 60 days late. This APR may be applied to your account if you: 1) Make a late payment; 2) Make a payment that is returned; or 3) Do any of the above on another account that you have with us. How Long Will the Penalty APR Apply?: If your APR is increased for any of these reasons, the penalty APR will apply until you make six consecutive minimum payments when due. |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date (Grace Period) each month. |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board. |
Interest rates and credit limits based on income and credit qualifications.
Visa Classic & Visa Platinum Fees
| TYPE | AMOUNT |
|---|---|
| Visa Classic Annual Fee | None |
| Visa Platinum Annual Fee | $95 |
| Membership Fee | None |
| Balance Transfer | None |
| Cash Advances | $10.00 Maximum |
| Foreign Transaction | 1.0% |
| Late Payment Fee | Up to $30 |
| Over-the-Credit-Limit | None |
| Returned Payment | Up to $30 |
| ATM Cash Advance | $5.00 Maximum |
*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.
Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). An explanation of this method is provided in your account agreement.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Checking Line of Credit Learn more
Interest Rates and Interest Charges
| APR for Advances | 12.50% 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 Charge | No minimum charge. |
Fees
| Annual Fee | No annual fee. |
Penalty Fee
| Late Payment | A 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.