Checking & Savings

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%
Savings Accounts Interest Rate Annual Percentage Yield (APY)
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%

 

Annual Percentage Yield (APY) is accurate as of 12/10/2015. Rates are subject to change without notice and the rates on accounts other than a certificate of deposit (CD) may vary after the account is opened. Fees may reduce earnings.

 

1$1,000 minimum balance required to earn interest.

 

Subject to credit approval.

 

Certificates of Deposit

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 – Open Now .30% .30%
13-Month CD & IRA .30% .30%
18-Month .40% .40%
2-Year CD & IRA – Open Now .50% .50%
30-Month CD & IRA – SPECIAL1 1.14% 1.15%
3-Year CD & IRA .70% .70%
4-Year CD & IRA .80% .80%
5-Year CD & IRA 1.00% 1.00%

 

Annual Percentage Yield (APY) is accurate as of April 27, 2016. Minimum opening deposit is $500. A penalty will be imposed for early withdrawal of principal. Fees may reduce earnings. APY assumes interest earned is kept in the CD for the full term. Rates are subject to change. Call 877.706.9009 for current rates.

 

1$10,000 minimum balance to open and obtain APY.

 

Home Equity Lines & Loans

Home Equity Lines & Loans Interest Rate Annual Percentage Rate (APR)
Home Equity Line of Credit (HELOC)1 4.75% 4.75%
Home Equity Fixed Rate Products2 (1st LIEN ONLY)    
5 year 4.25% 4.25%
10 years 4.50% 4.50%
15 years 4.75% 4.75%
Home Equity Fixed Rate Products2 (2nd LIEN)    
5 year 5.00% 5.00%
10 years 5.25% 5.25%
15 years 5.50% 5.50%

 

Rates are effective as of 5/1/17 and are subject to change. All home equity requests above $250,000 require appraisal fee at application. The estimated cost of an appraisal, if needed, is $625.00. Property must be an owner occupied 1 to 4 family primary residence located in New Jersey. Property insurance required for all loans and 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. All loans are subject to credit approval. Credit limits apply.
 

1Rate reflects Auto Debit Discount. During the life of the loan, the annual percentage rate is a variable rate and will be based on 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 your Annual Percentage Rate exceed 16.000% per annum or, go below 4.75% per annum at any time during the term of the Plan. If the borrower 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. The credit limit may not exceed 75% of appraised value of the property less the amount of any mortgage currently outstanding. The APR shown in table above includes only interest and no other costs.


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.


2Rates shown require auto debit from Two River Community Bank DDA account. Add .50 percentage point if auto debit is not chosen. Payment Example: $7.78 per $1,000 borrowed. A $250,000 15-year fixed rate home equity loan at an interest rate of 4.75% will result in 180 payments of $1,944.58. Actual monthly payment may be higher because example does not include applicable property taxes, fees, insurance premiums or other related costs. A minimum of 25% down payment is required for purchase transactions only.


Refer to your application for further disclosures.

 

Personal Loans

Personal Loans Interest Rate Annual Percentage Rate (APR)
Auto Loans1    
NEW: Current car year or previous year    
3 years 3.75% 3.75%
4 years 3.875% 3.875%
5 years 4.00% 4.00%
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%
Secured3 Contact Us Contact Us
Perfect Balance Line of Credit4 15.00% 15.00%

1Maximum loan amount is 80% of purchased contract for a new car. Maximum loan amount for a used car is the average wholesale value listed in NADA.


Payment Example: $29.41 per $1,000 borrowed. A $30,000 3-year fixed rate auto loan at an interest rate of 3.75% will result in 36 payments of $882.39. A minimum of 20% down payment is required for new vehicle purchase transactions only.


2Minimum of $2,500 for unsecured loan, and maximum term for unsecured loan is 3 years.


3Rates, terms, minimum and maximum credit amounts vary based on collateral.


4Minimum credit line of $500 on perfect balance line of credit.


Subject to credit approval.