Contact us at (609)-393-0046 or [email protected]

Rates

Rates
Rates
April 24, 2019 zOd33sE1F

Rates Effective as of 1st 2025. Rates are subject to change during the month at the discretion of the Board of Directors

Savings, Checking & Club Accounts

(Share) Savings Account

AccountDividend RateAPY
$0.00 - $4,499.990.0625%0.0625%
$5,000.00 - $12,499.990.0775%0.0775%
$12,500.00 - Over0.0975%0.0975%
* APR = Annual Percentage Rate
* APY = Annual Percentage Yield

Checking (Share Draft)

ACCOUNTDIVIDEND RATEAPY
$1,000.00 min or more0.05%0.05%
APR = Annual Percentage Rate
APY = Annual Percentage Yield

Certificates of Deposit

RateAPYRateAPYRateAPY
BALANCE$1,000 - $9,999.99$10,000 - $24,999.99$25,000 & Over
6 MONTH4.90%4.90%4.90%4.90%4.90%4.90%
12 MONTH2.00%2.00%2.05%2.05%2.10%2.10%
18 MONTH3.74%3.75%3.79%3.80%3.84%3.85%
24 MONTH1.84%1.86%1.89%1.91%1.94%1.96%
36 MONTH2.04%2.06%2.09%2.11%2.142.16%
48 MONTH2.09%2.11%2.14%2.16%2.19%2.21%
60 MONTH2.29%2.31%2.29%2.31%2.34%2.37%
15 MONTH
(New Money Only)		4.49%4.50%4.49%4.50%4.49%4.50%
$1000 minimum balance required. Penalty for early withdrawal.
Rates are subject to change during the month at the discretion of the Board of Directors
* APR = Annual Percentage Rate
* APY = Annual Percentage Yield

Holiday Club

AccountDividend RateAPY
0.05%0.05%
* APR = Annual Percentage Rate
* APY = Annual Percentage Yield

Vacation Club

AccountDividend RateAPY
0.05%0.05%
* APR = Annual Percentage Rate
* APY = Annual Percentage Yield

Loan Rates

Home Equity Fixed-Rate Loans

Fixed Rate Terms80%80%90%90%100%100%
With or Without Payroll DeductionMarket valuew/Payroll deductMarket valuew/Payroll deductMarket valuew/Payroll deduct
3 years6.04% APR*5.579% APR*7.04% APR*6.79% APR*8.04% APR*7.79% APR*
4 years6.34% APR*6.09% APR*7.34% APR*7.09% APR*8.34% APR*8.09% APR*
5 years6.45% APR*6.20% APR*7.58% APR*7.33% APR*8.70% APR*8.45% APR*
7 years6.75% APR*6.50% APR*7.88% APR*7.63% APR*9.00% APR*8.75% APR*
10 years7.05% APR*6.80% APR*8.18% APR*7.93% APR*9.30% APR*9.05% APR*
15 years7.25% APR*7.00% APR*8.38% APR*8.13% APR*9.50% APR*9.25% APR*
** Please call our Loan Department at 609-393-1100 for complete details.
Additional Savings of .25% if Payroll Deducted
* APR = Annual Percentage Rate

Home Equity Credit Line

MARKET VALUERATE
80%8.50% APR*
90%9.00% APR*
100%10.00% APR*
* Annual Percentage Rate

Share Secured Loan

TermRate
Up to 60 MO Term7.00% APR*
* APR = Annual Percentage Rate

Personal Loan

TermAPR*
Up to 48 MO TermUp to $10,000 maximum
Closed End7.49% - 15.49% APR*
Open End - Credit Line10.00% - 14.00% APR*

Student Loan

AmountRate
$5000 - $1500011.00% (Prime Rate PLUS 3.00%) APR*
*Annual Percentage Rate

New Auto Loans

Auto Loans - NewRates.25% discount if payroll deducted
24 to 84 Month Term5.19% - 16.29% APR*Rate is determined by credit risk score.
We lend 100% of Kelly Blue Book - New Car Guide
Additional Savings of .25% if Payroll Deducted
* APR = Annual Percentage Rate / All rates subject to change at any time

Used Auto Loans

Auto Loans - UsedRates.25% discount if payroll deducted
24 to 84 Month Term6.19% - 18.89% APR*Rate is determined by credit risk score.
We lend 100% of Kelly Blue Book - Used Car Guide Terms Determined by Age of Car - Up to 7 years
Additional Savings of .25% if Payroll Deducted
* APR = Annual Percentage Rate / All rates subject to change at any time

Title Loan (Auto)

Auto Loans - NewRates.25% discount if payroll deducted
Up to 72 Month Term5.50% - 14.50% APR*Rate is determined by credit risk score.
We lend 100% of Kelly Blue Book - New Car Guide
* APR = Annual Percentage Rate / All rates subject to change at any time

Visa Credit Cards

Visa Credit Cards

Visa CardsAPR*Credit Limit
Gold Card12.90% APR*$5000 - $15,000
Classic Card14.90% APR*$500 - $5000
* APR = Annual Percentage Rate