PrintPrint this Page
Text Size

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
OPEN NOW
 
$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

OPEN NOW
 
$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

OPEN NOW
 
$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 

OPEN NOW
.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 

OPEN NOW
.50% .50%
30 Month CD & IRA .60% .60%
3 Year CD & IRA .70% .70%
4 Year CD & IRA .80% .80%
55-month CD - NEW!* 1.79% 1.80%
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 3.99% 3.99%
Home Equity Line of Credit (HELOC)2 3.99% 3.99%
Home Equity Fixed Rate Products3   (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 Products3   (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. 

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.  There is an early cancellation fee estimated at $800 if the credit line is paid off within 24 months of closing.

2 Rate is Prime less 1.00% with auto debit from Two River Community Bank  DDA Account. Prime plus 1.00% if auto debit option is not chosen. 

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

Click here for additional 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%

 

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

2Minimum of $2,000 for unsecured loan. Payments for secured loans are based on 5 year repayment.  Minimum balance of $500 on perfect line of credit.

Subject to credit approval.