450 Hillcrest Blvd. | PO Box 188 | Phillipsburg, NJ 08865
Phone: 908-859-1811 Toll Free: 800-538-1572 | Fax: 908-859-2118

Rates













Loans | Mortgage | Savings | Certificates

Loans Rate          APR*        Term         
Certificate Secured - Contact Savings Dept. for details        
New Car -1 to 6 year term 5.99 5.99 72  Calculator
                - 7 year term, minimum $25,000 6.99 6.99 84 Calculator
Used Car - 1 to 5 year term 6.99 6.99 60 Calculator
                  - 6 year term, minimum $20,000 7.49 7.49 72 Calculator
New Motorcycles 1 to 4 years 6.24 6.24 48 Calculator
Used Motorcycle 6.99 6.99  36  Calculator
Personal / Signature Loan 12.99 12.99 60 Calculator
Share Secured 4.65 4.65 144 Calculator
VISA Credit Card 9.90 9.90 n/a Calculator
        Calculator
        Calculator
*APR = Annual Percentage Rate
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 Home Equity (1 - 15 yrs.)

Rate Points APR*
Prime Rate N/A Current Rate - 4.00%

2nd Mortgages (1 - 5 yrs.)

Rate Points APR*
5.75 N/A 5.75

2nd Mortgages (6 - 10 yrs.)

Rate Points APR*
5.99  N/A 5.99 

2nd Mortgage (11-15 yrs.)

Rate Points APR*
6.25 N/A 6.25

2nd Mortgage (16-20 yrs.)
Rate Points APR*
6.50 N/A 6.50

First Mortgages

Rate Points APR*
Variable   Variable
   *APR = Annual Percentage Rate
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Savings

Rate       

APY*       

Term
Share Savings Account 0.60 0.60 n/a
Club Accounts 0.60 0.60 n/a
IRA Share Savings Account 0.70 0.70 n/a
*APY = Annual Percentage Yield
Dividends declared by the Board of Directors are paid at the close of business on the last day of the quarter.
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Certificates Rate        APY*        Term
3 Month $500 min. 2.30 2.32 3
6 Month $500 min.  2.40 2.41 6
6 Month $10,000 min. 2.75 2.76 6
9 Month $500 min. 3.00 3.02 9
12 Month $500 min. 3.00 3.03 12
12 Month $10,000 min. 3.47 3.52 12
30 Month $500 min. 3.40 3.44 30
60 Month $500 min. 3.95 4.01 60
IRA 30 Month $500 min. 3.40 3.44 30

*APY = Annual Percentage Yield
All rates above are subject to change without notice.
A penalty will be imposed for early withdrawal.
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