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INTEREST RATES CURRENT AS OF July 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*
Loans up to $625,500 Owner Occupied 80% LTV

30 Years, Loans up to $625,500

15 Years, Loans up to $625,500

Rate: 4.125% Points: 0 APR: 4.159%

Rate: 3.125% Points: 0 APR: 3.184%

 

Adjustable Rate Programs Owner Occupied

5/1/30 ARM

7/1/30 ARM

10/1/30 ARM

Rate: 3.250% Points: 0 APR: 3.283%

Rate: 3.750% Points: 0 APR: 3.516%

Rate: 3.750% Points: 0 APR: 3.590%

Loans over $625,501 - $750,000

Owner Occupied

80% LTV

70% LTV

30 Years, Loans over $625,501 - $750,000

15 Years, Loans over $625,501 - $750,000

Rate: 4.125% Points: 0 APR: 4.159%

Rate: 3.375% Points: 0 APR: 3.435%

Loans over $750,001 Owner Occupied 60% LTV Contact our Retail Lending Dept. at (844) 844-8960 Contact our Retail Lending Dept. at (844) 844-8960
IMPORTANT INFORMATION

Second Homes, (70% LTV). Investment Property, add 1.00% to rate plus 1 point (70% LTV). Construction/Permanent plus 1 point (75% LTV). Buydown rates available upon request. Contact Retail Lending Department at (844) 844-8960. 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 80%. 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. Appraisal fees apply for loans over $250,000. NY residents must pay a mortgage recording tax at closing. Payment example: At 3.909% APR, 360 monthly payments of $4.70 per $1,000 borrowed. Interest may be tax-deductible, consult with your tax advisor.

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-Weekly

60 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.

Product Name Collateral and Loan 
to Value
Term and Maximum 
dollar amount
APR*
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 4/22/2015 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.

Product Name Collateral and Loan 
to Value
Term and Maximum 
dollar amount
APR*
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 4/22/2015 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.

Product Name Collateral and Loan 
to Value
Term and 
Dollar Amount
APR*
Personal Loan Unsecured N/A 36 months 
$2,000.00 to $10,000.00
14.00%
Automobile 
New
2015 - 2014 
90% of Purchase Price
Up to 60 months Monthly 
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, full insurance is required
 
Up to 60 months
 
Monthly
36 months - 4.49%
48 months - 5.14%
60 months - 7.75%
Automobile Used
2010 & Older 70% the lesser of the NADA Retail Value or Purchase Price, full insurance is required
Up to 36 months
Monthly
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