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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 August 1, 2023


Colonial Statement Savings (1) (6)

Deposit Product Interest Rate A.P.Y.
Balances $0.01 to $50,000 0.65% 0.65%
Balances $50,000.01 - $250,000 0.65% 0.65%
Balances $250,000.01 or more 0.65% 0.65%


Colonial Business Statement Savings (1) (6)

Deposit Product Interest Rate A.P.Y.
Balances $0.01 to $50,000 0.65% 0.65%
Balances $50,000.01 - $250,000 0.65% 0.65%
Balances $250,000.01 or more 0.65% 0.65%


Colonial Platinum Checking (1)

Deposit Product Interest Rate A.P.Y.
Balances $0.01 to $50,000 1.25% 1.26%
Balances $50,000.01 - $250,000 1.75% 1.76%
Balances $250,000.01 or more 2.25% 2.27%


Colonial Business Platinum Checking (1)

Deposit Product Interest Rate A.P.Y.
Balances $0.01 to $50,000 1.25% 1.26%
Balances $50,000.01 - $250,000 1.75% 1.76%
Balances $250,000.01 or more 2.25% 2.27%


Certificates of Deposit (2) (5)

Deposit Product Interest Rate A.P.Y.
3 month CD's* 2.00% 2.02%
6 month CD's* 4.25% 4.34%
12 month CD's* 4.50% 4.60%
18 month CD's * 3.25% 3.30%
24 month CD's * 2.75% 2.79%
36 month CD's * 1.55% 1.56%
48 month CD's * 1.65% 1.66%
60 month CD's * 1.85% 1.86%

 

IRA/CD's (3)(5)

Deposit Product Interest Rate A.P.Y.
12 month IRA CD's* 4.50% 4.60%
18 month IRA CD's* 3.25% 3.30%
24 month IRA CD's * 2.75% 2.79%
36 month IRA CD's * 1.55% 1.56%
48 month IRA CD's * 1.65% 1.66%
60 month IRA CD's * 1.85% 1.86%

 

(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
(5) CD's: $500.00
(6) Personal and Business Statement Savings: $0.01
*Offer maybe withdrawn at any time. Offer may not be available to Banks, Brokers or Companies. Interest can be paid semiannually or at maturity


Home Equity

To inquire about our Home Equity rate information, please give us a call at our toll-free number (877) 785-8550. Rates are subject to change at any time.

Rates as of 07/27/2023

Home Equity Loans

  Maximum CLTV 85% Maximum CLTV 95%
Rate APR Payment per $1,000 Rate APR Payment per $1,000
5 Year Fixed 7.250% 7.268% $19.92 8.500% 8.518% $20.52
10 Year Fixed 7.750% 7.768% $12.00 9.000% 9.018% $12.67
15 Year Fixed 8.500% 8.509% $9.85 9.750% 9.759% $10.59

 

Home Equity Line of Credit

Prime Rate as of 07/27/2023 8.500% 

  Maximum CLTV 85% Maximum CLTV 95%
Loan Size Rate APR Payment per $1,000 Rate APR Payment per $1000
$5,000 - $24,999 Prime+ 2.00% 10.500% $8.75 Prime+ 3.25% 11.750% $9.80
$25,000 - $99,999 Prime+ 1.00% 9.500% $7.92 Prime+ 2.25% 10.750% $8.96
$100,000 - $199,999 Prime 8.500% $7.09 Prime+ 1.50% 10.000% $8.34
$200,000-$250,000 Prime- .25% 8.250% $6.88 Prime+ 1.50% 10.000% $8.34
> $250,000 Prime- .25% 8.250% $6.88 N/A N/A N/A

 

CLTV stands for Combined Loan To Value Ratio which is the ratio of all secured loans on a property compared to the value of a property
Rates are subject to Change without Notice
Loans subject to credit approval
Property insurance is required for Home Equity Loans and Home Equity Lines of Credit

Car Loan 

 
  Rate APR Payment per $1,000
New Cars 2022/2023 9.000% 9.010% $24.89
Model 2018 and newer 10.500% 10.510% $25.60
*Payment is based on 48-month term
*Maximum 90% financing

Personal Loan 

  Rate APR Payment per $1,000
Unsecured 12.000% 12.010% $33.21
*Payment is based on 36-month term
Mortgage Rates

Mortgage Rate Indications as of September 29, 2023

term rates points annual percentage rate monthly payments amount*
30 year conventional conforming fixed (1) 7.875% 0.500% 8.011% $1,812.67 (4)
  7.625% 1.000% 7.811% $1,769.48 (4)
15 year conventional conforming fixed (1) 6.999% 0.500% 7.198% $2,245.67 (4)
  6.750% 1.000% 7.038% $2,212.27 (4)
30 year FHA fixed (2)  7.500% 0.000% 8.309% $1,892.74 (3)
  7.000% 1.000% 7.909% $1,806.42 (3)
* payment amounts reflected above do not include amounts for taxes and insurance; therefore, the actual payment will be higher.
note: interest rates change daily. rate indications are for new applications only. 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. borrower is responsible for amount of down payment, all appraisal costs, and closing costs. additional closing costs may apply. detailed costs will be made available following application.
(1) interest rate quoted is based on a purchase transaction of a single family primary residence, loan amount of $250,000, a 20% down payment, and a fico score of 720.
(2) interest rate quoted is based on a purchase transaction of a single family primary residence, loan amount of $250,000, a 3.5% down payment, and a fico score of 720.
(3) payment includes principal + interest + fha monthly mortgage insurance.
(4) payment includes principal + interest
disclaimer:
all loans are subject to credit approval. 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.
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