Personal
Deposit Rates
Checking and Savings (Effective )
| Account Type | Minimum Deposit to Open | Minimum Daily Balance to Obtain APY* | Interest Rate | APY** |
| Century Checking Plus | $300.00 | $300.00 | 0.05% | 0.05% |
| 55 Plus Checking | $50.00 | $300.00 | 0.05% | 0.05% |
| Statement Savings | $50.00 | $100.00 | 0.10% | 0.10% |
| Money Market Plus | $1,500.00 | $1,500-$49,999.99 | 0.05% | 0.05% |
| $50,000-$99,999.99 | 0.10% | 0.10% | ||
| $100,000+ | 0.15% | 0.15% |
- Your interest rate and annual percentage yield may change at any time, at our discretion.
- Interest begins to accrue on the business day that you make your deposit and will accrue until the day of withdrawal.
- Interest will be compounded and credited to your account as follows:
- Century Checking Plus & 55 Plus Checking - Interest compounded and credited monthly.
- Money Market Plus - Interest compounded and credited monthly.
- Statement Savings - Interest compounded and credited quarterly.
- If you close your checking or savings 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.
- On all Money Market and Statement Savings Accounts, the depositor is permitted to make no more than six (6) withdrawals/transfers per statement cycle in any combination of the following: Checks payable to third parties, withdrawals initiated by DEBIT card at POS, transfers initiated through Automated Teller or Online Banking, withdrawals preauthorized by ACH or Overdraft Protection Transfer to cover overdrafts. IMPORTANT NOTE: Savings and Money Market accounts are limited transaction accounts and are subject to Regulation D. Excessive withdrawals over the limit may result in fees, account closure, change of account type, termination of transfer capability, or other remedial action.
- Fees may reduce the earnings on the account.
Certificates of Deposit (Effective )
| Account Type | Minimum to Open | Interest Rate | APY** |
| 91 Day | $500.00 | 0.05% | 0.05% |
| 6 Months | $500.00 | 0.07% | 0.07% |
| 9 Months | $500.00 | 0.10% | 0.10% |
| 12 Months | $500.00 | 0.12% | 0.12% |
| 15 Months | $500.00 | 0.15% | 0.15% |
| 18 Months | $500.00 | 0.18% | 0.18% |
| 24 Months | $500.00 | 0.20% | 0.20% |
| 30 Months | $500.00 | 0.23% | 0.23% |
| 48 Months | $500.00 | 0.25% | 0.25% |
| 60 Months | $500.00 | 0.30% | 0.30% |
- Interest can accumulate for compounding or be withdrawn by interest check or transferred to another account at Century as follows:
- 91 day and 6 month certificates - interest at maturity or optional monthly check or transfer
- 9 month to 60 month certificates - interest at maturity, quarterly, or optional monthly check or transfer
- We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal each day.
- Interest begins to accrue on the day of your deposit and will accrue until the day of withdrawal.
- All certificates will automatically renew at maturity at the prevailing interest rate. You will have ten (10) calendar days after the maturity date to withdrawal funds without being charged a penalty.
- After the certificate is opened, you may not make deposits or withdrawals other than earnings until the maturity date.
- IRA certificates are available for terms of 12, 24 and 48 months.
- If the deposit is withdrawn before the maturity date, a penalty as shown below will be imposed which could result in partial loss of principal.
Term Early Withdrawal Penalty 91 Day 30 days interest 6 Month 90 days interest 9 Month to 60 Month 180 days interest
*Daily Balance (The amount of principal balance in the account each day).
**Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. Withdrawal of interest will reduce earnings.
Fee Schedule
- Consumer Checking Plus (a NJ Consumer Checking Account) – No monthly service fee
- Century Checking Plus (Now Account) – Monthly fee if balance falls below $300.00 on any day of the statement cycle: $5.00
- 55 Plus Checking (Now Account) - No monthly service fee
- Statement Savings – Monthly fee if balance falls below $50.00 on any day of the statement cycle: $3.00
- Money Market Plus - Monthly fee if balance falls below $1500.00 on any day of the statement cycle: $15.00
| Debit MasterCard® Fees | |
| Owned ATM Withdrawals | No Charge |
| Transfer of Funds | No Charge |
| Balance Inquiries | No Charge |
| Card Reissue Fee | $5.00 |
| Other Account Fees | |
| Insufficient Funds Charge (per item)* | $35.00 |
| Sustained Overdraft- after 8 days | $15.00 |
| Stop Payment (per item) | $30.00 |
| Return of Deposited Item | $15.00 |
| Copy of Paid Check | $2.50 |
| Copy of Monthly Statement | $5.00 |
| Temporary Checks (3 per sheet) | $3.00 |
| Safe Deposit/Night Depository, lost key | $10.00 |
| Cashier's Check | $10.00 |
| Money Order | $4.00 |
| Wire Transfer In | No Charge |
| Wire Transfer Out | $25.00 |
| International Wire Transfer | $40.00 |
| Collection Item (plus 3rd party fee) | $25.00 |
| Levies (per occurrence) | $125.00 |
| Research (per hour) | $30.00 |
| Safe Deposit Box Drilling | $150.00 |
| Check Printing ** | At catalog prices |
| Overdraft Protection Transfer | $10.00 |
| MMDA third party checks in excess of 6 *** | $15.00 |
| Account Inactivity Fee (per statement cycle) **** | $10.00 |
| Early Close Out (within 90 days of opening) | $10.00 |
*A fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means.
**For related product information, please consult your branch representative.
***Per cycle period, per transaction.
****No customer-initiated activity for 24 months.
IMPORTANT NOTE: Savings and Money Market accounts are limited transaction accounts and are subject to Regulation D. Excessive withdrawals over the limit may result in fees, account closure, change of account type, termination of transfer capability, or other remedial action.
If you do not use your account or contact the Bank within three (3) years, and we are unable to reach you by mail, your account will be subject to escheat laws. The Bank is required to give the balance remaining in your account to the State of New Jersey, and you will have to contact the State for the return of your money.
Lending Rates
Fixed Rate Mortgage Loans (Effective )
| Owner- Occupied | Term (years) | Minimum Down | Rate | Points | APR | Payment per $1,000 |
| Monthly | 15 | 20% | 2.650% | 2% | 3.060% | $6.74* |
| Monthly | 15 | 20% | 2.800% | 1% | 3.066% | $6.81* |
| Monthly | 15 | 20% | 2.950% | -0- | 3.072% | $6.88* |
| Bi-weekly | 15 | 20% | 2.950% | -0- | 3.076% | $3.44** |
| Monthly | 20 | 20% | 2.950% | 2% | 3.270% | $5.52* |
| Monthly | 20 | 20% | 3.100% | 1% | 3.307% | $5.60* |
| Monthly | 20 | 20% | 3.250% | -0- | 3.345% | $5.67* |
| Bi-weekly | 20 | 20% | 3.250% | -0- | 3.346% | $2.84** |
| Monthly | 25 | 20% | 3.075% | 2% | 3.340% | $4.78* |
| Monthly | 25 | 20% | 3.225% | 1% | 3.397% | $4.86* |
| Monthly | 25 | 20% | 3.375% | -0- | 3.454% | $4.94* |
| Bi-weekly | 25 | 20% | 3.375% | -0- | 3.454% | $2.47** |
| Monthly | 30 | 20% | 3.200% | 2% | 3.430% | $4.32* |
| Monthly | 30 | 20% | 3.350% | 1% | 3.499% | $4.41* |
| Monthly | 30 | 20% | 3.500% | -0- | 3.569% | $4.49* |
| Bi-weekly | 30 | 20% | 3.500% | -0- | 3.567% | $2.25** |
- Mortgage Loan rates available on owner-occupied primary or secondary residences
- Loan to value ratios greater than 80% require PMI approval
- Loan to value not to exceed 90% (First Time Homebuyers 95%)
- All rates subject to change without notice.
- For rental investment or jumbo loan rates please call today to speak to one of our experienced lending specialists.
*Monthly payment per $1,000 borrowed
** Bi-weekly payment (every 14 days) per $1,000 borrowed
Home Equity Loans (Effective )
| Term | APR* | APR** | Payment per $1,000*** |
| 5 years | 4.50% | 4.75% | $18.64 |
| 7 years | 5.25% | 5.50% | $14.25 |
| 10 years | 5.50% | 5.75% | $10.85 |
| 15 years | 5.75% | 6.00% | $ 8.30 |
- Fixed Rate
- Minimum loan amount is $1,000, based on 80% loan to value
* With automatic deduction from Century Savings Bank account
** Without automatic deduction from Century Savings Bank account
*** Based on automatic deduction from Century Savings Bank account. APR* at maximum term
20 Year Home Equity Loan (Effective )
| Term | APR* | APR** | Payment per $50,000*** |
| 20 years | 6.00% | 6.25% | $358.22 |
- Fixed Rate
- $50,000 New Money, based on 70% loan to value
* With automatic deduction from Century Savings Bank account
** Without automatic deduction from Century Savings Bank account
*** Based on automatic deduction from Century Savings Bank account. APR* at maximum term
Non- Owner Occupied Home Equity Loans (Effective )
| Term | APR | Payment per $1,000 |
| 5 years | 7.25% | $19.92 |
| 7 years | 7.50% | $15.34 |
| 10 years | 7.75% | $12.00 |
| 15 years | 8.00% | $9.56 |
- Fixed rate
- Minimum loan amount is $1000, based on 70% loan to value
Home Equity Line of Credit (Effective )
| Amount | Variable Rate/ APR | Maximum Rate/ APR |
| $5,000 - $250,000. | 4.00%* | 16.00% |
- Owner-occupied residence only
- Five year draw with a 15 year payback
- Rate is subject to change without notice
- Appraisal fee may apply
- Property insurance will be required
- Based on 70% loan to value
*Variable Rate/APR based on JP Morgan Chase Prime Rate as published in the Wall Street Journal
*The APR will never be less than 4.00% (the "Floor")
Automobile Loans (Effective )
New
| Term (Up to) | APR | Payment per $1,000 |
| 4 years | 6.50% | $23.72 |
| 5 years | 7.00% | $19.80 |
- Fixed Rate - Minimum 20% down payment
Used
| Models | Term (Up to) | APR | Payment per $1,000 |
| 1-5 yrs old | 36 Months | 8.50% | $31.57 |
- Models older than 5 years on a case-by-case basis
- Fixed Rate - Minimum 25% down payment
CD/Savings Collateral Loans
- Fixed Rate - 3% spread above collateral being used
- Maximum of 100% of CD or Savings balance
- Please call today to speak to one of our experienced lending specialists
Rates
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| Century Checking Plus | $300.00 | 0.05% |
| Statement Savings Plus | $100.00 | 0.10% |
| Money Market Plus | $100,000+ | 0.15% |
| Fee Schedule | ||
