Great Rates

Looking for a great rate?
At 1st Colonial Community Bank you'll find great rates on all our savings and loan products.

We offer Statement Savings and Certificate of Deposit Accounts so you can grow your money. We also offer NOW Checking and Money Market Accounts so you can write checks while you earn interest on your money. We offer competitive rates on IRA Certificates of Deposit so you can grow your retirement nest egg.

If you're looking to borrow money for the things you want or need, you'll find we offer competitive loan rates and personal attention to your needs. Our loan products include Home Equity Loans, Home Equity Lines of Credit, Car Loans and Personal Loans.

Effective as of 05/22/2013

Deposit Products (1) Interest Rate A.P.Y.
PERSONAL Statement Savings (6)
Balances $100 to $49,999.99 0.25% 0.25%
Balances $50,000 - $249,999.99 0.40% 0.40%
Balances $250,000 or more 0.40% 0.40%
BUSINESS Statement Savings (6)
Balances $100 to $99,999.99 0.25% 0.25%
Balances $100,000 - $249,999.99 0.40% 0.40%
Balances $250,000 or more 0.40% 0.40%
 
PERSONAL NOW Account (4) 0.25% 0.25%
BUSINESS NOW Account (4) 0.25% 0.25%
 
IOLTA Account (8)
Balances less than $1500 ZERO ZERO
Balances $1,500 to $49,999.99 0.25% 0.25%
Balances $50,000 - $99,999.99 0.40% 0.40%
Balances $100,000 or more 0.60% 0.60%
 
MONEY MARKET Personal Account (7)
Balances less than $1500 ZERO ZERO
Balances $1500 to $49,999.99 0.25% 0.25%
Balances $50,000 - $249,999.99 0.40% 0.40%
Balances $250,000 or more 0.40% 0.40%
     
MONEY MARKET Business Account (7)    
Balances less than $1500 ZERO ZERO
Balances $1500 to $49,999.99 0.25% 0.25%
Balances $50,000 - $249,999.99 0.40% 0.40%
Balances $250,000 or more 0.40% 0.40%
 
CERTIFICATES OF DEPOSIT(2) (5)
3 month CD's 0.25% 0.25%
6 month CD's 0.25% 0.25%
12 month CD's 0.40% 0.40%
18 month CD's 0.40% 0.40%
24 month CD's 0.50% 0.50%
30 month CD's 0.50% 0.50%
36 month CD's 0.50% 0.50%
48 month CD's 0.50% 0.50%
Jumbo CD's Negotiable  
IRA/CD's (3) (5)
6 month IRA CD's 0.25% 0.25%
12 month IRA CD's 0.40% 0.40%
18 month IRA CD's 0.40% 0.40%
24 month IRA CD's 0.50% 0.50%
30 month IRA CD's 0.50% 0.50%
36 month IRA CD's 0.50% 0.50%
48 month IRA CD's 0.50% 0.50%

(1) Interest rate and Annual Percentage Yield (APY) may vary after account opened. Fees may reduce earnings.
(2) Substantial penalty for early withdrawal.
(3) Substantial penalty for early withdrawal and may be subject to IRS early withdrawal penalty. Refer to IRA disclosure statement for additional information.

Minimum balance to obtain APY

(4) Personal and Business NOW Accounts: $1,000.00

(5) CD's: $500.00

(6) Personal and Business Statement Savings: $100.00

(7) Personal and Business Money Market: $1500.00

(8) IOLTA Accounts: $1000.00

 

 


 

Home Equity*** Auto Debit Annual Percentage Rate Monthly Payment Per $100,000.00
5 Year Loan (4) 2.99% $1796.59
10 Year Loan (4) 3.50% $989.02
15 Year Loan (4) 5.00% $791.03
20 Year Loan (4) 5.00% $660.19
Redi Reserve (8) 9.00% $35.28
Line of Credit Int Only (9) 4.01% $334.17
Line of Credit (5) 4.01% $890.77
Car Loans Auto Debit APR Monthly Payment Per $1,000.00
New Cars (6) 5.50% $23.26
Used Cars
Model Yr 2007  and newer (7) 6.00% $19.33
Model Yr 2004 through 2006 (10) 6.00% $30.42
Personal Loan Auto Debit APR Monthly Payment Per $1,000.00
Unsecured (11) 9.75% $32.15

*** Rates are for primary and secondary residences.

(4) Without Auto Debit, APR will increase by 0.50%.  $100 processing fee will be waived.  Minimum amount $10,000 maximum amount $100,000 applies to discounted rate.  For loan amounts greater than $100,000 please contact one of our branches.

(5) Monthly payment per $100,000 example is based upon a 180 month term. Rate floats at prime plus .75% with a 16.00% ceiling.  Prime rate is currently 3.25%.  $100 processing fee applies

(6) Monthly payment per $1,000 example is based upon a 48 month term. Without Auto Debit, APR will increase by 0.50%.

(7) Monthly payment per $1,000 example is based upon a 60 month term on model years 2007 and newer. Without Auto Debit, APR will increase by 0.50%.

(8) Monthly payment per $1,000 example is based upon a 36 month term.

(9) Monthly payment per $10,000. Rate floats at prime plus .75% with a 16.00% ceiling. Prime rate is currently 3.25%.  $100 processing fee applies

(10) Monthly payment per $1,000 example based upon 36 month term on model years 2004 through 2006. Without Auto Debit APR will increase by 0.50%.

(11) Monthly payment per $1,000 example is based upon a 36 month term. Without Auto Debit, APR will increase 0.50%.

Loans subject to credit approval. Property insurance is required for Home Equity Loans and Home Equity Lines of Credit.

 

Mortgage Rates

Conventional Fixed Rate Programs - Effective 05/22/2013
Term Rates Points Annual
Percentage
Rate		 Monthly
Payments
Amount*
30 Year Conforming
3.625%
 0.000%
3.645%
   $1,140.13
 
3.375%
1.000%
3.476%
   $1,105.24
15 Year Conforming
2.875%
0.000%
2.931%
   $1,711.46

 
2.625%

1.000%
2.824%
    $1,681.72
30 Year Fixed FHA**

3.250%

0.000%

4.355%

    $1,107.06
 

3.125%

1.000%

4.321%

    $1,089.68

 

* Based on mortgage amount of $250,000.

**Payment is based on principal and interest only, mortgage insurance is not included in this estimate.

Rates change daily.  We in the 1st Colonial Community Bank Residential Lending Division are committed to providing our clients the most competitive rates and fees EVERYDAY! Call your Mortgage Advisor at 856-869-3250 today to discuss "Real Time" Rates.

  

Disclaimer:

All loans are subject to credit approval. 20% down payment required. Availability is based on loan parameters and requirements that must be approved by 1st Colonial Community Bank, Residential Lending Division. Interest rates are subject to change daily and without notice.  Current interest rates shown our indicative of market conditions and individual qualifications and will vary upon your lock in period, loan type, credit score, purpose and loan to value.  For information on our various programs click here.

 

Collingswood Office
1040 Haddon Avenue
Collingswood, NJ 08108
Tel (856) 858-1100
Fax (856) 858-9255

Westville Office
321 Broadway
Westville, NJ 08093
Tel (856) 456-6544
Fax (856) 456-3142

Cinnaminson Office
2802 Rt. 130 North
Cinnaminson, NJ 08077
Tel (856) 303-8001
Fax (856) 303-9049

Administrative Offices
1150 Haddon Avenue
Collingswood, NJ 08108
Tel (856) 885-2042
Fax (856) 869-9336
Equal Opportunity Lender Member FDIC STAR Equal Housing Lender