Current Rates

Deposit Account Rates
Consumer Loan Rates
Mortgage Rates

Deposit Account Interest Rates


These are variable rate products

* Annual Percentage Yield

** Anytime during the term, the customer has a ONE TIME option to adjust the rate to the traditional 36 month cd rate offered by the bank at that time.

*** Rate varies monthly.

**** To open a Business Statement Savings Account a Business Analysis Checking Account is required.

Fees charged on some accounts may reduce your earnings.

Early withdrawal penalties apply on CD accounts.

Rates & terms are subject to change without notice.

Rates and APY's displayed are as of .

Consumer Loan Rates

All Home Equity Products are secured by a mortgage lien against your property.

For Home Resource Loans:

All loans secured by a mortgage lien on property. The total indebtness (which equals the amount of your first mortgage, plus the amount of the Home Resource Loan), cannot exceed the limits below.

For 1 to 4 Family Properties:

75% of current value.

For 5 to 6 Family or Mixed Use Properties:

60% of current value

NOTE: On all products EXCEPT Home Equity Line of Credit, Custom Credit Overdraft, Secured Overdraft Checking, Personal Savings and Certificate of Deposit (CD), if applicant selects Automatic Payment Transfer, deduct 1/2% from above rates.

For Home Equity Line of Credit:

Options:

*Introductory rate requires $25,000 draw at closing and is calculated as Base Rate minus 1.00% for 3 months. Base Rate is determined by Loan to Value ratio and HELOC mortgage position. If LTV is 65% or less and in 1st position, Base Rate is Prime minus 0.5%. If LTV is greater than 65% and in 1st, Base Rate is Prime minus 0.25%. If LTV is 65% or less in 2nd position, Base Rate is Prime only. If LTV is greater than 65% in 2nd position, Base Rate is Prime plus 0.25%. All Rates can change monthly, including introductory rate.

Rates & Terms are subject to change without notice and are effective as of .

For additional Information on Consumer Loans, Please call our Mortgage Center at

(866)-RSB-4111 (or 866-772-4111).

Mortgage Loan Rates

Fixed Rate Mortgages

Adjustable Rate Mortgages

Co-op Loan Rates

CPM = Cost Per Thousand borrowed

Annual Cap on 1/1 through 5/1 Adjustable products is 2%. Annual cap on 7/1 and 10/1 products is 5% at first adjustment and then 2% thereafter. Lifetime cap on all adjustable products is 6% over the initial interest rate.

Rates are available for properties located in the five boroughs of NYC, Nassau, Westchester, Suffolk, Putnam, Rockland counties and Fairfield County, CT.

*Primary Residence Co-ops Only.

** Rate is determined by payment transmittal selection

*** Maximum Loan Amount is $650,000

**** For loan amounts $417,001-$750,000 add .125% (1/8%) to the rate, for $750,001 - $1mm add .375% (3/8%) to the rate, for $1,000,001 to $2mm add .625% (5/8%) to the rate, for $2,000,001 to $3.5mm add .875% (7/8%) to the rate

Rates & terms are subject to change without notice and are effective as of

Other products are available. For additional information on Mortgage Loans, Please call our Mortgage Center at (866)-RSB-4111 (or 866-772-4111).