• Your interest rate and annual percentage yield (APY)  may change at our discretion. 
• Interest begins to accrue on the business day of your deposit. 
• Interest is compounded daily and credited monthly.  If you close your account before interest is credited, you will receive the accrued interest.
• We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.
• You will receive a monthly statement on this account.

• For Student NOW, account applicants under age 18 must have parent or guardian as co-owner on the account. 
• Your interest rate and annual percentage yield (APY) may change at our discretion.
• Interest begins to accrue on the business day of your deposit. 
• Interest is compounded daily and credited monthly.   If you close your account before interest is credited, you will receive the accrued interest.
• The daily balance method is used to calculate the interest on your account.
• You will receive a monthly statement on this account.

New Jersey Consumer Checking

• Account must maintain a minimum balance of $1.00 to remain active. 
• 8 free checks per monthly period.  Additional checks written in excess of 8 at $.50 per check.
• Monthly service fee of $3.00.
• Fees may reduce earnings
• You will receive a monthly statement on this account.

75,000.00 and above

2,500

• This is a variable rate account. Your interest rate and APY may change without notice. Interest is compounded daily and credited monthly. Interest begins to accrue on the day of your deposit .The daily balance method is used to calculate the interest on your account.  Interest is paid on the full balance in the account at the rate that corresponds to that deposit  tier.  You will receive a monthly statement on this account.
• If you close your account before the interest is credited, you will receive the accrued interest to day of withdrawal. 
• Government regulations allow up to six (6) pre-authorized transfers per statement cycle by means of a pre-authorized or automatic transfer, or telephonic agreement, order or instruction, or by check, draft, debit card or similar order made by the depositor and payable to third parties.
• If the average daily balance drops below $500.00, there will be a monthly minimum balance fee of $5.00. 
• Fees may reduce earnings.

• This is a variable rate account. Your interest rate and APY may change without notice. Interest is compounded daily and credited monthly. Interest begins to accrue on the day of your deposit .The daily balance method is used to calculate the interest on your account.  Interest is paid on the full balance in the account at the rate that corresponds to that deposit  tier.  You will receive a monthly statement on this account.
• If you close your account before the interest is credited, you will receive the accrued interest to day of withdrawal. 
• Government regulations allow up to six (6) pre-authorized transfers per statement cycle by means of a pre-authorized or automatic transfer, or telephonic agreement, order or instruction, or by check, draft, debit card or similar order made by the depositor and payable to third parties.
• If the average daily balance drops below $500.00, there will be a monthly minimum balance fee of $5.00. 
• Fees may reduce earnings.

• This is a variable rate account. Your interest rate and APY may change without notice. Interest is compounded daily and credited monthly. Interest begins to accrue on the day of your deposit .The daily balance method is used to calculate the interest on your account.  Interest is paid on the full balance in the account at the rate that corresponds to that deposit  tier.  You will receive a monthly statement on this account.
• If you close your account before the interest is credited, you will receive the accrued interest to day of withdrawal. 

• Your interest rate and annual percentage yield (APY)  may change at our discretion. 
• Interest begins to accrue on the business day of your deposit. 
• With Regular Savings, the interest is compounded daily and credited monthly.   If you close your account before interest is credited, you will receive the accrued interest.
• We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.

Statement Savings Account only.

• Interest is compounded super daily (365/360) and credited monthly.  If you close your account before interest is credited, you will receive the accrued interest.
• You will receive a monthly statement on this account.

• Clubs available in any amount from $1.00 and up.  These are passbook accounts. 
• Your interest rate and annual percentage yield may change, at our discretion. 
• We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day. 
• Interest is credited to the account at maturity.  Early close-out of account forfeits interest.

SPECIAL CD OFFERS

• The interest rate for your account will be paid until the maturity date of your certificate.*  
• Interest is compounded daily and will be credited to your account monthly and at maturity. 
• Interest begins to accrue on the business day of your deposit.  
• Regular Certificates of Deposit  will automatically renew at maturity.  You will have seven (7) calendar days from the  maturity date to withdraw your funds without being charged a penalty. 
• After the account is opened, you may not make deposits into or withdrawals other than the earnings from this account until the maturity date.  At maturity, interest becomes part of the principal balance and subject to penalty if withdrawn after grace period.  
• Interest can remain in account for compounding or be withdrawn by interest check or transferred to another account on deposit here during the term of the certificate
• We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day. **
• If any of the deposit is withdrawn before the maturity date, a penalty as shown below will be imposed which could result in partial loss of principal.
• Special Offer Certificates  of Deposit only: 
  The offering is for a limited period of time and can be withdrawn at our discretion. This account will not automatically renew.  At maturity, it will be converted to a like certificate with a like maturity. You will have seven (7) calendar days from the  maturity date to withdraw your funds without being charged a penalty. 
• Penalty
                                   Term                                               Early WIthdrawal Penalty
                                   1 year or less                                    3 months interest
                                   over 1 year                                       6 months interest

The above Certificates of Deposit may be used for your retirement contribution.  In addition, ask about our 18 month Variable Rate Certificate offered exclusively for Retirement Accounts.