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

Deposit Products Interest Rate A.P.Y.
PERSONAL Statement Savings (1) (6)
Balances $100 to $49,999.99 0.25% 0.25%
Balances $50,000 - $249,999.99 0.30% 0.30%
Balances $250,000 or more 0.30% 0.30%
BUSINESS Statement Savings (1) (6)
Balances $100 to $99,999.99 0.25% 0.25%
Balances $100,000 - $249,999.99 0.30% 0.30%
Balances $250,000 or more 0.30% 0.30%
 
PERSONAL NOW Account (1) (4) 0.25% 0.25%
BUSINESS NOW Account (1) (4) 0.25% 0.25%
 
IOLTA Account (1) (8)
Balances less than $1500 ZERO ZERO
Balances $1,500 to $49,999.99 0.25% 0.25%
Balances $50,000 - $99,999.99 0.30% 0.30%
Balances $100,000 or more 0.30% 0.30%
 
MONEY MARKET Personal Account (1) (7)
Balances less than $1500 ZERO ZERO
Balances $1500 to $49,999.99 0.25% 0.25%
Balances $50,000 - $249,999.99 0.30% 0.30%
Balances $250,000 or more 0.30% 0.30%
     
MONEY MARKET Business Account (1) (7)    
Balances less than $1500 ZERO ZERO
Balances $1500 to $49,999.99 0.25% 0.25%
Balances $50,000 - $249,999.99 0.30% 0.30%
Balances $250,000 or more 0.30% 0.30%
 
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 * 1.50% 1.51%
60 month CD's * 2.00% 2.01%
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 * 1.50% 1.51%
60 month IRA CD's * 2.00% 2.01%

(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

*Offer maybe withdrawn at any time. Maximun deposit of $250,000 per Tax ID Number. Offer not available to Banks, Brokers or Companies. Interest paid semi-annually.


 

Home Equity *** Auto Debit Annual Percentage Rate Monthly Payment Per $10,000.00
5 Year Loan (4) 2.99% $179.65
10 Year Loan (4) 3.50% $98.89
15 Year Loan (4) 3.99% $73.92
     
Redi Reserve (8) 9.00% $35.28
Line of Credit Int Only (9) 4.00% $33.34
Line of Credit (5) 4.00% $116.00
Car Loans Auto Debit APR Monthly Payment Per $1,000.00
New Cars 2013/2014(6) 3.25% $22.24
Used Cars
Model Yr 2010 and newer (7) 4.50% $22.80
     
Personal Loan Auto Debit APR Monthly Payment Per $1,000.00
Unsecured (10) 8.00% $31.34

*** Rates are for primary and secondary residences, Other rates and terms may be available on an exception basis, Please contact our Home Equity Dept. At 856-869-3250. Effective for all new applications as of 12/05/13.

(4) Must have auto debit from 1st Colonial Community Bank account or rate will increase by .50% for loan amounts greater than $199,975 fees may apply.  Minimum loan amount $10,000, investment property quotes available please call for rates.

(5)Monthly payment per $10,000 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%. 

(6) Monthly payment per $1,000 example is based upon a 48 month term. Without Auto Debit, APR will increase by 0.50%.  Max of 90% financing.

(7) Monthly payment per $1,000 example is based upon a 48 month term on model years 2010 and newer. Without Auto Debit, APR will increase by 0.50%.  Max of 90% financing.

(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%. 

(10) 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 as of
Term Rates Points Annual
Percentage
Rate
Monthly
Payments
Amount*
30 Year Conforming
4.250%
 0.000%
4.288%
   $1,229.85
 
3.990%
1.000%
4.112%
   $1,192.10
15 Year Fixed Conforming
3.375%
0.000%
3.441%
   $1,771.90
   3.125% 1.000% 3.337%    $1,741.52
30 Year Fixed FHA** 3.875% 0.000% 5.145%     $1,154.30
  3.750% 1.000% 5.019%     $1,136.81

 

* Based on mortgage amount of $250,000.  Payment amounts do not include taxes and insurance and may, therefore, be higher.

**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 are 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
210 Lake Dr East, Suite 300 
Cherry Hill, NJ 08002
Tel (856) 885-2042
Fax (856) 869-9336


Equal Opportunity Lender Member FDIC STAR Equal Housing Lender