Rates

Mortgage Rates Conventional Purchase and Refinance Application fee $450.00**

Product Type Points Interest Rates Annual Percentage
Rates (APR)
10 Year 20% Down (Payment is $9.43 per $1,000) 0 2.50% 2.55%
15 Year 20% Down (Payment is $6.79 per $1,000) 0 2.75% 2.79%
20 Year 20% Down (Payment is $5.74 per $1,000) 0 3.375% 3.41%
30 Year 20% Down (Payment is $4.56 per $1,000) 0 3.625% 3.65%
* 30 Year First Time Buyer (Payment is $4.56 per $1,000) 0 3.625% 3.65%

All rates are applicable to loans up to 80% Loan-to-Value. The home securing the loan must be the applicant's 1-4 family owner-occupied residence, town home or condominium located in Monmouth County or Ocean County. Payments noted above do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. Other conditions may apply. Please call for details. Rates are subject to change without notice.

* First Time Buyer Application fee of $450.00 is refunded at closing. ** Application fee includes the cost of the appraisal, credit report fee and flood search fee.

We offer Mortgages with a minimum down payment of 5%. Please call for the current rate.

Home Equity Loans FIRST LIEN POSITION
Rate Term Interest Rate Annual Percentage
Rates (APR)
5 Year (Payment is $17.96 per $1,000) 2.99% 3.11%
10 Year (Payment is $9.88 per $1,000) 3.49% 3.55%
15 Year (Payment is $7.27 per $1,000) 3.75% 3.79%
20 Year (Payment is $6.74 per $1,000) 5.250% 5.29%

Interest rate and APR includes a 1/4% rate reduction for automatic payments transferred from a savings or checking account held at Freehold Savings Bank and is applicable to loans up to 80% Loan-to-Value. Loan must be in first lien position or Freehold Savings Bank has the first mortgage. The home securing the loan must be the applicant's 1-4 family owner-occupied residence, town home or condominium located in Monmouth County or Ocean County. Payments noted above do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. Other conditions may apply. Please call for details. Rates are subject to change without notice.

APPLICATION FEE $300.00

Home Equity Loans SECOND LIEN POSITION
Rate Term Interest Rate Annual Percentage
Rates (APR)
5 Year (Payment is $18.19 per $1,000) 3.50% 3.62%
10 Year (Payment is $10.12 per $1,000) 4.00% 4.06%
15 Year (Payment is $7.52 per $1,000) 4.25% 4.30%

Interest rate and APR includes a 1/4% rate reduction for automatice payments transferred from a savings or checking account held at Freehold Savings Bank and is applicable to loans up to 70% of Loan-to-Value, if Freehold Savings Bank does not have the first lien. The home securing the loan must be the applicant's 1-4 family owner-occupied residence, town house or condominium located in Monmouth County or Ocean County. Other conditions may apply. Please call for details. Rates are subject to change without notice.

APPLICATION FEE $300.00

Home Equity Line of Credit

SPECIAL 2.99% INTEREST ONLY 10 YEARS. Please call for details

Standard CD and IRA Rates
Certificate of Deposit
(CD) Description
Minimum Deposit to
Open Account
Interest Rates Annual Percentage
Yield (APY)
91 Day CD $500.00 0.249% 0.25%
6 Months CD $500.00 0.299% 0.30%
8 Months CD $500.00 0.399% 0.40%
1 Year CD $500.00 0.498% 0.50%
13 Month CD $500.00 0.548% 0.55%
15 Months CD $500.00 0.598% 0.60%
18 Months CD $500.00 0.598% 0.60%
24 Months CD $500.00 0.846% 0.85%
24 Months CD $500.00 0.895% 0.90%
4 Year CD $500.00 1.192% 1.20%
5 Year CD $500.00 1.390% 1.40%

Minimum deposit required to obtain the annual percentage yield. Interest is compounded daily and credited monthly. Rates subject to change without notice. A penalty may be imposed for premature withdrawal. Fees may reduce earnings on accounts.

Checking & Savings Rates
Product Minimum Deposit to
Open Account
Interest Rates Annual Percentage
Yield (APY)
Passbook Savings $10 0.149% 0.15%
Statement Savings $10 0.149% 0.15%
NOW Checking $100 0.100% 0.10%
Business Checking $1 0% 0%
NJ ConsumerChecking $50 0% 0%
MMDA $1,000-$24,999 $1,000 0.249% 0.25%
MMDA $25,000-$99,999 $1,000 0.249% 0.25%
MMDA $100,000 Plus $1,000 0.249% 0.25%

Minimum opening deposit and minimum balance to earn annual percentage yield. Rates subject to change without notice. Fees may reduce earnings on accounts.

Interest rates and APYs on checking and savings accounts are variable and are subject to change at managements' discretion.