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Interest Checking Accounts Interest Rate Annual Percentage Yield (APY)
Platinum Checking    
$0 - $4,999.99 .05% .05%
$5,000 and above .10% .10%
50 + Free Checking .10% .10%
VIP Free Interest Checking .05% .05%
eChecking
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$0 - $499.99 .00% .00%
$500 and above .10% .10%

 

Savings Accounts Interest Rate Annual Percentage Yield (APY)
eSavings
OPEN NOW
.15% .15%
Statement Savings .05% .05%
Club Accounts .05% .05%
IRA Statement Savings .05% .05%
Roth IRA Statement Savings .05% .05%

Prestige Savings1

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$1,000 - $9,999.99 .05% .05%
$10,000 - $49,999.99 .15% .15%
$50,000 - $99,999.99 .25% .25%
$100,000 - $249,999.99 .50% .50%
$250,000 - $499,999.99 .55% .55%
$500,000 and above .60% .60%
     

Preferred Money Market

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$0 - $9,999.99 .05% .05%
$10,000 and above .15% .15%
     
Health Savings Account (HSA)    
$0 - $10,000 .05% .05%
$10,000.01 - $25,000 .10% .10%
$25,000.01 and above .15% .15%

 

 

Business Interest Checking Accounts Interest Rate Annual Percentage Yield (APY)
Business Interest NOW Checking .10% .10%

 

Business Savings Interest Rate Annual Percentage Yield (APY)
Business Statement Savings .05% .05%
     
Business Money Market    
$0 - $10,000 .05% .05%
$10,000.01 - $25,000 .10% .10%
$25,000.01 and above .15% .15%
     
Preferred Business Money Market    
$0 - $9,999.99 .05% .05%
$10,000 and above .15% .15%

 

Certificates of Deposit Interest Rate Annual Percentage Yield (APY)
3-Month .15% .15%

6-Month 

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.20% .20%
9-Month .25% .25%

1-Year CD & IRA 

.30% .30%
13-Month CD & IRA .30% .30%
18-Month .40% .40%

2-Year CD & IRA 

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.50% .50%
30-Month CD & IRA - SPECIAL* 1.24% 1.25%
3-Year CD & IRA .70% .70%
4-Year CD & IRA .80% .80%
55-month CD & IRA - SPECIAL* 1.95% 1.97%
5-Year CD & IRA 1.00% 1.00%

 

 

Home Equity Lines & Loans Interest Rate Annual Percentage Rate (APR)
EZ Start Home Equity Line of Credit, Interest Only1, 3, 5 3.99% 3.99%
Home Equity Line of Credit (HELOC)2, 5 3.99% 3.99%
Home Equity Fixed Rate Products4   (1st LIEN ONLY)    
5 year 3.75% 3.75%
10 years 3.99% 3.99%
15 years 4.25% 4.25%
Home Equity Fixed Rate Products4   (2nd LIEN)    
5 year 4.50% 4.50%
10 years 4.75% 4.75%
15 years 5.00% 5.00%
     

 

Rates are effective as of March 26, 2013 and are subject to change at any time, without notice, until an account is opened.  All home equity requests above $250,000 require appraisal fee at application. Property must be an owner occupied 1 to 4 family primary residence located in New Jersey. Property insurance required for all lines. Flood insurance may be required.  Additional terms and conditions may apply.  Consult your tax advisor regarding deductibility of interest. Contact residential lending department for fee quote and current rates at (888) 454-4424. Subject to credit approval.

1The interest payment feature allows you to make minimum interest payments during the first 5 year draw period. The initial Annual Percentage Rate during the draw period is 4.49%.  It is a "promotional rate" and is not based on an index. This product also offers a variable rate feature. The APR includes only interest and no other costs.  After the 60th payment, the 15-year repayment period begins.  Full principal and interest payments will be made for the remaining life of the loan.  The rate will reset following the 60th, 120th, and 180th month, and the rate is based on the Five Year U.S. Treasury Constant Maturity Index plus 425 basis points. Information about the index is available or published by the Federal Reserve Board in selected Interest Rates Daily - H. 15 Release. We use the most recent index value available to us as of 45 days prior to any annual percentage rate adjustment. There is a .50% discount for auto-debit from a Two River Community Bank DDA Account for the life of the loan.  However, under no circumstances will your Annual Percentage Rate exceed 16.000% per annum or, go below 4.490% per annum at any time during the term of the Plan.  The credit limit may not exceed 70% of appraised value of the property less the amount of any mortgage currently outstanding. 

2 Rate reflects Auto Debit Discount. During the life of the loan, the annual percentage rate will be the Wall Street Journal Prime Rate, floating, minus one (1) percentage point for automatically deducted payments from a Two River Community Bank deposit account.  However, under no circumstances will the annual percentage rate go below 3.99% per annum at any time during the term of the loan. If the borrow for any reason ceases to have the payments automatically deducted from the Two River Community Bank deposit account at any time during the life of the loan, the annual percentage rate shall revert to the Wall Street Journal Prime Rate, floating, plus one (1) percentage point. 

3 Rate reflects Auto Debit Discount. During the life of the loan, there shall be a 50 basis point discount for automatically deducted payments from a Two River Community Bank deposit account. However, under no circumstances will your annual percentage rate go below 3.99% per annum at any time during the term of the Plan.

4 Rates shown require auto debit from Two River Community Bank DDA account. Add .50 percentage point if auto debit is not chosen.

5 Reimbursement of Fees: Borrower agrees that in the event that the facility is closed out and paid off within 24 months of closing, the borrower shall reimburse the Lender in that amount equal to the greater of (i) all waived bona fide third party charges, and (ii) all costs incurred by Lender in connection with the origination of the facility, which costs shall be in an amount equal to lesser of (a) Eight Hundred Dollars ($800.00) or (b) 2 percent of the amount prepaid. The reimbursement amount determined under the preceding sentence shall be included in the payoff amount of the loan.

Refer to your application for further disclosures.

 

Home Equity Lines & Loans Interest Rate Annual Percentage Rate (APR)
Auto Loans1    
NEW: Current car year or previous year    
3 years 3.75% 3.75%
4 years 3.75% 3.75%
5 years 3.75% 3.75%
USED: Not older than 4 model years from current    
3 years 3.95% 3.95%
4 years 4.25% 4.25%
5 years 4.55% 4.55%
Personal Loans2    
Unsecured 12.00% 12.00%
Secured Rate of security + 4% Rate of security + 4%
Perfect Balance Line of Credit 15.00% 15.00%

 

1Maximum loan amount is 80% of purchased contract for a new car. Maximum loan amount for a used car is based on NADA loan value.

2Minimum of $2,500 for unsecured loan, and maximum term for unsecured loan is 3 years. Payments for secured loans are based on 5-year repayment. Minimum balance of $500 on perfect balance line of credit.

Subject to credit approval.