

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% |
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% |
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.
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.
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** |
*Monthly payment per $1,000 borrowed
** Bi-weekly payment (every 14 days) per $1,000 borrowed
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 |
* 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
Term | APR* | APR** | Payment per $50,000*** |
20 years | 6.00% | 6.25% | $358.22 |
* 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
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 |
Amount | Variable Rate/ APR | Maximum Rate/ APR |
$5,000 - $250,000. | 4.00%* | 16.00% |
*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")
New
Term (Up to) | APR | Payment per $1,000 |
4 years | 6.50% | $23.72 |
5 years | 7.00% | $19.80 |
Used
Models | Term (Up to) | APR | Payment per $1,000 |
1-5 yrs old | 36 Months | 8.50% | $31.57 |
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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 |