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Find Our Best Rate: Explore Savings, Loans, and More

Proudly serving the regions of Southern New Jersey, Southeastern Pennsylvania, and the Greater Philadelphia area, 1st Colonial Community Bank stands at the forefront of financial services with great rates. Our Personal Checking & Savings accounts offer unmatched value, optimized for the communities we know and serve. Whether securing a mortgage, exploring loan options, or seeking comprehensive Business Banking solutions, our clients enjoy rates that are as competitive as they are beneficial, backed by state-of-the-art banking technology. At 1st Colonial, we are deeply rooted in our regions, committed to fueling growth and prosperity right here in the heart of our vibrant communities.

Effective as of February 9, 2024

 

Colonial Statement Personal Savings Rates(1) (6)

An interest-bearing account ideal for long-term savings, leveraging daily compounding interest to optimize and grow your savings over time.

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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 Rates (1) (6)

This account offers local businesses an interest-bearing tool for growth, designed for future expansions, major purchases or emergency funds.

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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 Personal Checking Rates (1)

An interest-bearing account ideal for individuals that keep a higher balance, offering benefits like monthly compounded interest, and no fees with maintained balance.

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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 Rates(1)

This is an interest-bearing account with premium features, catering to businesses with higher balances, and providing cost-effective solutions.

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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 Rates (2) (5)

Grow your money securely, offering a guaranteed interest rate when you choose to keep your funds with us for a specified duration.

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Deposit Product Interest Rate A.P.Y.
3 month CD's* 2.00% 2.02%
6 month CD's* 4.75% 4.85%
12 month CD's* 4.25% 4.34%
18 month CD's * 4.45% 4.55%
24 month CD's * 3.50% 3.56%
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 Rates (3)(5)

Deposit Product Interest Rate A.P.Y.
12 month IRA CD's* 4.25% 4.34%
18 month IRA CD's* 4.45% 4.55%
24 month IRA CD's * 3.50% 3.56%
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

 



Mortgage Rates

Mortgage Rate Indications as of February 23, 2024

This is a traditional home loan that might be a good fit if you have an established credit history and can make a standard down payment.

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Program Rates Points Annual Percentage Rate Monthly Payments Amount*
30 Year Conventional Conforming Fixed (1) 7.500% 0.000% 7.581% $1,748.04 (4)
  7.125% 1.000% 7.306% $1,684.30 (4)
15 Year Conventional Conforming Fixed (1) 6.875% 0.000% 7.001% $2,229.64 (4)
  6.375% 1.000% 6.660% $2,160.63 (4)
30 Year FHA Fixed (2)  6.750% 0.000% 7.547% $1,763.90 (3)
  6.250% 1.000% 7.143% $1,680.21 (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.

 

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 10/19/2023

Home Equity Line of Credit Rates

Think of this as a flexible credit line using your home's value; it's great if you need funds now and then.

Prime Rate as of 07/27/2023 8.500% 

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  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

Home Equity Loan Rates

If you've built up value in your home and need a one-time loan, this lets you borrow against that value and pay it back in installments.

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  Maximum CLTV 85% Maximum CLTV 95%
Rate APR Payment per $1,000 Rate APR Payment per $1,000
5 Year Fixed 7.750% 7.768% $20.16 9.000% 9.018% $20.76
10 Year Fixed 8.250% 8.268% $12.27 9.500% 9.518% $12.94
15 Year Fixed 9.000% 9.009% $10.14 10.250% 10.259% $10.90

 

Auto Loan Rates

An auto loan empowers you to drive away in your dream vehicle, with tailored repayment plans to suit your financial journey.

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  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 Rates

An alternative to credit cards offering a structured way of consolidating debt or making a major purchase.

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