Explore Your Financial Options

Once you've made the choice that's best for you, stop by your nearest branch to get started.

INTEREST RATES CURRENT AS OF March 30, 2015

We offer many types of credit services with a variety of terms, conditions and rates. The following are examples of our most frequently requested consumer loan rates. Sussex Bank makes every attempt to keep this page current; however, rates are subject to change without notice. Loans subject to credit and collateral approval.

To verify our rates on these and other credit services offered, please speak with a branch representative. For a listing of our addresses and phone numbers, visit our Locations page.

We also offer a wide range of affordable financing solutions for businesses. To obtain a quote, please call our Sussex Bank Loan Division at (844) 844-8960.

Use our Loan Calculator to determine the monthly payment of your loan.

Loan Calculator

*APR's include a .25% reduction for automatic debit from a Sussex Bank personal checking/savings account.

Product NameCollateral and Loan 
to Value
Term and Maximum 
dollar amount
APR*
Home Equity Loan Fixed Owner Occupied 1-4 family 75% LTV Terms up to 240 months $250,000.00 Monthly or Bi-Weekly60 months - 3.49%
120 months - 3.74%
180 months - 3.99%
240 months - 4.49%
IMPORTANT INFORMATION

APR's Include a .25% reduction for automatic debit from a Sussex Bank personal checking/savings account. APR indicated is for 1-4 family owner-occupied homes in NJ, NY or PA. Maximum LTV is 75%. APR is fixed for the term of the loan. Property insurance is required; flood and title insurance may be required. An escrow account may be required for taxes and/or insurance. Payment amounts do not include escrow for taxes and/or insurance. Your actual payment obligation may be greater. No closing costs applicable on loans up to $250,000; appraisal fees apply for loans over $250,000. Loans over $500,000 may be subject to different rates and terms. NY residents must pay a mortgage recording tax at closing. Payment example: At 3.49% APR, 60 monthly payments of $18.19 per $1,000 borrowed. Interest may be tax-deductible, consult with your tax advisor.

Home Equity Line of Credit Owner Occupied 1-4 family 75% LTV Revolving Interest only 180 months then payment equal to 1/180 of the principal plus interest up to $250,000.00 2.99% fixed for 12 months then Prime life of Loan Minimum APR 3.50% (Floor Rate) Maximum APR 16.00%
IMPORTANT INFORMATION

Annual Percentage Rate indicated is for 1-4 family owner-occupied homes in NJ, NY or PA. Maximum LTV is 75%.  After the 12-month introductory period, the APR is a variable rate based on the Prime Rate (as published in the Wall Street Journal), which, as of 1/9/2015 is 3.25%.  Minimum APR is 3.50%, maximum APR is 16.00%.  Rates and terms are subject to credit approval.  Property insurance is required; flood and title insurance may be required. An escrow account may be required for taxes and/or insurance. Payment amounts do not include escrow for taxes and/or insurance. Your actual payment obligation may be greater. No closing costs applicable on lines up to $250,000; appraisal fees apply for lines over $250,000.  Lines over $500,000 may be subject to different rates and terms.  NY residents must pay a mortgage recording tax at closing.  Interest may be tax-deductible, consult with your tax advisor. There is an early termination fee of 2.00% of the outstanding balance if Line is terminated during the first 36 months.

Home Equity Investment 
Line of Credit
Non-Owner Occupied 
Investment Property 1-4 
family 65% LTV
Revolving Interest only 180 months then payment equal to 1/180 of the principal plus interest up to $250,000.00 Prime plus 1% Life of Loan Minimum APR 5.00% (Floor Rate) Maximum APR 16.00%
IMPORTANT INFORMATION

Annual Percentage Rate indicated is for 1-4 family non-owner-occupied investment properties in NJ, NY or PA. Maximum LTV is 65%.  APR is a variable rate based on the Prime Rate (as published in the Wall Street Journal), which, as of 1/9/2015 is 3.25%.  Minimum APR is 5.00%, maximum APR is 16.00%. Borrower pays all closing costs which may include, but not limited to: appraisal, credit report, flood search, property search. Rates and terms are subject to credit approval.  Property insurance is required; flood and title insurance may be required. An escrow account may be required for taxes and/or insurance. Payment amounts do not include escrow for taxes and/or insurance. Your actual payment obligation may be greater. Lines over $250,00.00 may be subject to different rates and terms. NY residents must pay a mortgage recording tax at closing. There is an early termination fee of 2.00% of the outstanding balance if Line is terminated during the first 36 months. Interest may be tax-deductible, consult with your tax advisor.

Personal Loan Unsecured N/A 36 months 
$10,000.00
14.00%
Personal Loan Secured Secured by older model cars 70% of NADA retail Value 36 months 
$10,000.00
10.00%
Automobile 
New
2015 - 2014 
90% of Purchase Price
Up to 60 months Monthly or Bi-Weekly 
36 months - 3.35%
48 months - 3.50%
60 months - 3.74%
Automobile Used
2014-2011 80% the lesser of the NADA Retail Value or Purchase Price
2010 70% the lesser of the NADA Retail Value or Purchase Price
Up to 60 months
Up to 36 months
Monthly or Bi-Weekly60 months - 3.49%
120 months - 3.74%
180 months - 3.99%
240 months - 4.49%
36 months - 10.00%
IMPORTANT INFORMATION

APR's include a .25% reduction for automatic debit from a Sussex Bank personal checking/savings account.  Subject to credit approval.  Payment example: At 6.50% APR, 60 monthly payments of $19.57 per $1,000 borrowed.

Cushion Checking(Overdraft Protection) N/A 36 months 
$10,000.00
14.00%
CD Secured Sussex Bank CD 95% LTV up to 60 months*
*Based on remaining CD term at time of settlement.
Fixed at 3% over prevailing rate.
       
IMPORTANT INFORMATION

APR's include a .25% reduction for automatic debit from a Sussex Bank personal checking/savings account.  Subject to credit approval.  Payment example: At 6.50% APR, 60 monthly payments of $19.57 per $1,000 borrowed.

INTRODUCING OUR SUSSEX BANK FIRST TIME HOME BUYERS MORTGAGE PROGRAM!

Must be a first time home buyer and meet specific income levels. Escrow account will be established for the payment of property taxes and homeowners insurance premiums. LEARN MORE