Loan Rates
| Credit Card Loan Rates | |
| Effective Date: Thursday, March 23rd, 2023 | |
| Product | Rate* |
| Platinum Rewards MasterCard | 16.74% - 17.99%, variable rate based on the Prime Rate |
| Fixed Home Equity Rates | ||
| Effective Date: Thursday, March 23rd, 2023 | ||
| Product | Loan-to-Value (LTV) | Rate* |
| 15 Year Loan in 1st Lien Position | Up to 80% | As low as 6.50% |
| 15 Year Loan in 2nd Lien Position | Up to 70% | As low as 6.75% |
| Home Equity Line of Credit Rates | |||
| Product | Loan-to-Value (LTV) | Introductory Rate*** | Variable APR* |
| Home Equity Line of Credit in 1st Lien Position | Up to 80% | Fixed 3.50% APR* for 12 billing cycles | Prime** - 0.10% |
| Home Equity Line of Credit in 1st Lien Position | 80.01% - 100% | Fixed 3.50% APR* for 12 billing cycles | Prime** + 1.40% |
| Home Equity Line of Credit in 2nd Lien Position | Up to 70% | Fixed 3.50% APR* for 12 billing cycles | Prime** - 0.10% |
| Home Equity Line of Credit in 2nd Lien Position | 70.01% - 100% | Fixed 3.50% APR* for 12 billing cycles | Prime** + 1.40% |
| No closing costs on HELOCs up to $150,000 | |||
| Mortgage Rates | ||
| Effective Date: Thursday, March 23rd, 2023 | ||
| Product | Rate* | APR* |
| 15 Year Fixed | 6.000%1 | 6.352% |
| 30 Year Fixed | 6.375%2 | 6.590% |
| 1Rate reflected above includes a rate buy down of 0.000%. 2Rate reflected above includes a buy down rate of 0.000%. | ||
| APR is based on a $300,000 purchase with a 70% LTV. Actual interest rates may vary based on lender’s credit criteria. Property must be located in NY, NJ, CT, PA, or MA. | ||
| Auto, Motorcycle, Boat & RV Loan Rates | |
| Effective Date: Thursday, March 23rd, 2023 | |
| Product | APR* As Low As |
| New Auto/Motorcycle (2021 & newer) | 4.99% |
| Used Auto/Motorcycle (2018-2020) | 6.24% |
| Used Auto/Motorcycle (2017 & older) | 8.24% |
| New Boat/RV (2021 & newer) | 9.99% |
| Used Boat/RV (2018-2020) | 11.24% |
| Used Boat/RV (2017 & older) | 13.24% |
| Above rates include a 0.50% discount for automatic payments. | |
| Unsecured Signature Loan Rates | |
| Effective Date: Thursday, March 23rd, 2023 | |
| Product | APR* As Low As |
| Personal Loan | 7.99% |
| Above rate includes a 0.50% discount for automatic payments. | |
| Secured Loan Rates | |
| Effective Date: Thursday, March 23rd, 2023 | |
| Product | Rate* |
| Share Certificate | Rate of Certificate + 4% |
| Savings | Savings Rate + 4% |
| Student Loan Rates | |
| Effective Date: Thursday, March 23rd, 2023 | |
| Product | Rate* |
| Student Loan | Click Here |
| Student Loan Consolidation | Click Here |
* APR = Annual Percentage Rate. Stated rates may change at any time without notice and are subject the Lender’s credit criteria, certain conditions and restrictions may apply. APR stated assumes excellent credit and automatic payments.
** Prime Rate as of 2/1/2023 is 7.75%.
*** The fixed introductory rate will be in effect the first 12 months after your account is opened, whether or not funds have been advanced from your HELOC during that time. Thereafter, the rate, including the rate on any existing balance, will convert to the applicable Variable APR.
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