Rates

Savings Rates | Loan Rates| Home Equity Line of Credit | Member Business Rates

SAVINGS RATES

Savings Rates

TypeRateYield
Regular Share (Savings)0.05%0.05%
Share Draft (Checking)0.02%0.02%
Regular IRA Share0.10%0.10%
3 Month Share Certificate0.40%0.40%
4 Month Share Certificate0.40%0.40%
5 Month Share Certificate Special4.41%4.50%
6 Month Share Certificate0.45%0.45%
8 Month Share Certificate Special3.45%3.50%
11 Month Share Certificate Special2.96%3.00%
12 Month Share Certificate0.50%0.50%
15 Month Share Certificate0.50%0.50%
18 Month Share Certificate0.55%0.55%
24 Month Share Certificate0.55%0.55%
25 Month Share Certificate0.55%0.55%
36 Month Share Certificate0.80%0.80%
60 Month Share Certificate 0.90%0.90%
6 Month JUMBO Share Certificate0.45%0.45%
12 Month JUMBO Share Certificate0.50%0.50%
18 Month JUMBO Share Certificate0.55%0.55%
12 Month Custodial Share Certificate ($1,000 min balance)0.50%0.50%


Effective September 23, 2024. $5,000 minimum balance to open Share Certificate. All rates are subject to change without prior notice.  Not responsible for typographical errors.  For additional terms and rates please call Member Services at 973-471-0700 x115

*APR = Annual Percentage Rate **APY = Annual Percentage Yield

LOAN RATES

Mortgage Loans

RateA.P.R.*
10-Year Fixed - 0 Points5.500%5.500%
15-Year Fixed - 0 Points5.625%5.625%
20-Year Fixed - 0 Points5.875%5.875%
25-Year Fixed - 0 Points 6.000%6.000%
30-Year Fixed – 0 Points6.000%6.000%
5-Year Fixed Home Equity – 0 Points6.500%6.500%
7-Year Fixed Home Equity – 0 Points6.750%6.750%
10-Year Fixed Home Equity – 0 Points7.125%7.125%
Home Equity Line-of-Credit – 0 Points6.750%6.750%
3/6 months/30 Year Adjustable rate 5.500%7.399%
5/6 months/30 Year Adjustable rate5.625%7.095%
7/6 months/30 Year Adjustable rate5.750%6.886%
10/6 months/30 Year Adjustable rate 5.875%6.635%


Personal Loans

Rate
(Signature Loans 1 to 5 Years) Not Currently Available


Share Certificate Secured Loans

Up to 36 months3.50% above Share Certificate Rate
Up to 60 months3.75% above Share Certificate Rate


New Car Loans – Up to 80% Financing

RateA.P.R.
2 Year 2.000%2.000%
3 Year 2.000%2.000%
4 Year 4.875%4.875%
5 Year 5.000%5.000%


Used Car Loans – Maximum Age of Vehicle – 5 years

RateA.P.R.
2 Year (2019 - 2024)3.000%3.000%
3 Year (2019 - 2024)3.000%3.000%
4 Year (2022 - 2024)5.375%5.375%
5 Year (2022 - 2024)5.500%5.500%

Effective November 8, 2024.  All rates are subject to change without prior notice.  Not responsible for typographical errors.

*APR = Annual Percentage Rate **APY = Annual Percentage Yield

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HOME EQUITY LINE OF CREDIT

Home Equity Loan Rates

RateA.P.R.*
5-Year Fixed Home Equity – 0 Points6.500%6.500%
7-Year Fixed Home Equity – 0 Points6.750%6.750%
10-Year Fixed Home Equity – 0 Points7.125%7.125%
Home Equity Line-of-Credit - 0 Points6.750%6.750%

Effective November 8, 2024.  All rates subject to change without prior notice.  Not responsible for typographical errors.

*APR = Annual Percentage Rate **APY = Annual Percentage Yield

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MEMBER BUSINESS RATES

Member Business Loans

RateA.P.R.*
12 Year Fixedfrom 7.000%from 7.000%
15 Year Fixedfrom 7.000%from 7.000%
5ARM/15/30 Year Balloonfrom 6.875%from 6.875%
7/30 Year Balloonfrom 7.125%from 7.125%
10/25 Year Balloonfrom 7.250%from 7.250%
10/30 Year Balloonfrom 7.375%from 7.375%
12/30 Year Balloonfrom 7.500%from 7.500%
15/30 Year Balloonfrom 7.625%from 7.625%

Effective October 17, 2024.  All rates subject to change without prior notice.  Not responsible for typographical errors.

*APR = Annual Percentage Rate **APY = Annual Percentage Yield

Please contact the loan department for details.

IRA RATES

IRA Share Certificate

RateA.P.R.
3 Month IRA Share Certificate0.45%0.45%
4 Month IRA Share Certificate0.65%0.65%
5 Month IRA Share Certificate Special4.65%4.75%
6 Month IRA Share Certificate0.50%0.50%
8 Month IRA Share Certificate Special3.69%3.75%
10 Month IRA Share Certificate Special3.45%3.50%
11 Month IRA Share Certificate Special3.21%3.25%
12 Month IRA Share Certificate0.55%0.55%
15 Month IRA Share Certificate0.55%0.55%
18 Month IRA Share Certificate0.60%0.60%
24 Month IRA Share Certificate0.60%0.60%
25 Month IRA Share Certificate0.60%0.60%
36 Month IRA Share Certificate0.85%0.85%
60 Month IRA Share Certificate0.95%0.95%
6 Month JUMBO IRA Share Certificate0.50%0.50%
12 Month JUMBO IRA Share Certificate0.55%0.55%
18 Month JUMBO IRA Share Certificate0.60%0.60%

Effective September 23, 2024.  All rates subject to change without prior notice.  Not responsible for typographical errors.

*APR = Annual Percentage Rate **APY = Annual Percentage Yield

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