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Explore Your Financial Options

We offer competitive rates for all of our personal and business interest-bearing account products, including checking and savings accounts, CDs, IRAs and loans. Our current rate snapshot follows. Please visit your local branch for more details. 

INTEREST RATES CURRENT AS OF July 20, 2019

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. SB One 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,  click here to contact a branch representative. 

We also offer a wide range of affordable financing solutions for businesses. To obtain a quote, please call our SB One Bank Loan Division at (844) 256-7328 Ext. 8956

Use our Buyer Cost Estimate Calculator, Mortgage Loan Calculator (PITI) Calculator and Loan Calculator to determine the monthly payment of your loan.

Loan Calculator Buyer Cost Estimate Mortgage Loan Calculator (PITI)
Product Name Collateral 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

 

25 Years, Loans up to $625,500

 

20 Years, Loans up to $625,500

 

15 Years, Loans up to $625,500

Rate: 4.250% Points: 0 APR: 4.263%

Rate: 4.125% Points: 0 APR: 4.140%

Rate: 4.000% Points: 0 APR: 4.018%

Rate: 3.750% Points: 0 APR: 3.773%

Loans over $625,501 - $1,000,000

Owner Occupied

70% LTV

 

30 Years, Loans over $625,501 - $1,000,000

15 Years, Loans over $625,501 - $1,000,000

Rate: 4.500% Points: 0 APR: 4.509%

Rate: 4.000% Points: 0 APR: 4.015%

Loans over $1,000,001 - $1,500,000 Owner Occupied 70% LTV

30 Years, Loans over $1,000,001-$1,500,000

15 Years, Loans over $1,000,001 - $1,500,000

Rate:  4.500% Points:  0 APR:  4.506%

Rate:  4.000% Points:  0 APR:  4.010%

Loans over $1,500,001 - $2,000,000 Owner Occupied 60% LTV

30 Years, Loans over $1,500,001-$2,000,000

15 Years, Loans over $1,500,001 - $2,000,000

Rate:  4.750% Points:  0 APR:  4.754%

Rate:  4.250% Points: 0 APR:  4.257%

Loans over $2,000,001 - $2,500,000 Owner Occupied 50% LTV

30 Years, Loans over $2,000,001 - $2,500,000

15 Years, Loans over $2,000,001 - $2,500,000

Rate:  4.875% Points:  0 APR:  4.878%

Rate:  4.375% Points:  0 APR:  4.381%

Adjustable Rate Programs Owner Occupied

5/1/30 ARM

 

7/1/30 ARM

 

10/1/30 ARM

Rate: 3.625% Points: 0 APR: 3.638%

Rate: 4.125% Points: 0 APR: 4.138%

Rate: 4.250% Points: 0 APR: 4.263%

IMPORTANT INFORMATION

Second Homes, (70% LTV). Investment Property, add 1.00% to rate plus 1 point. Construction/Permanent plus 1 point. Contact Retail Lending Department at (844) 256-7328 Ext. 8956. 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. NY residents must pay a mortgage recording tax at closing. Payment example: At 4.389% APR, 360 monthly payments of $4.99 per $1,000 borrowed. Interest may be tax-deductible, consult with your tax advisor.

Product Name - Term and Maximum 
dollar amount
APR*
Home Equity Loan Fixed

 

Terms up to 240 months

Monthly or Bi-Weekly

60 months - 3.74%
120 months - 3.99%
180 months - 4.24%
240 months - 4.32%

IMPORTANT INFORMATION

APR's Include a .25% reduction for automatic debit from a SB One 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. No closing costs applicable on loans up to $250,000; appraisal and title fees apply for loans over $250,000. 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 - Term and Maximum 
dollar amount
APR*
Home Equity Line of Credit

 

Revolving Interest only 180 months then payment equal to 1/180 of the principal plus interest 3.99% fixed for 12 months then Prime life of Loan Minimum APR 5.50% (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 80%.  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 12/20/2018 is 5.50%.  Minimum APR is 5.50%, maximum APR is 16.00%.  Rates and terms are subject to credit approval.  Property insurance is required; flood and title insurance may be required.  No closing costs applicable on lines up to $250,000; appraisal and title fees apply for lines over $250,000. NY residents must pay a mortgage recording tax at closing.  Interest may be tax-deductible, consult with your tax advisor. Early termination fee of 2.00% of the outstanding balance or $400 (whichever is less) if the 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 70% LTV
Revolving Interest only 180 months then payment equal to 1/180 of the principal plus interest Prime plus 1% Life of Loan Minimum APR 6.509% (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 70%.  APR is a variable rate based on the Prime Rate (as published in the Wall Street Journal), which, as of 12/20/2018 is 5.50%.  Minimum APR is 6.50%, maximum APR is 16.00%. Borrower pays all closing costs which may include, but not limited to: appraisal, title, 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.  The bank will only accept a second position, if we already are in first lien position. NY residents must pay a mortgage recording tax at closing. There is an early termination fee of 2.00% of the outstanding balance if the 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 Maximum 
dollar amount
APR*
Personal Loan Unsecured N/A 36 months 
$10,000 - $20,000
14.000%

Automobile 
New **

Minimum $10,000

Maximum $100,000

2017 - 2018
90% of Purchase Price
Up to 60 months Monthly 
36 months - 3.350%
48 months - 3.500%
60 months - 3.740%

Automobile Used **

Minimum $10,000

Maximum $100,000

2013-2016 80% the lesser of the NADA Retail Value or Purchase Price, full insurance is required
 
Up to 60 months
 
Monthly
36 months - 4.490%
48 months - 5.140%
60 months - 7.750%

Automobile Used **

Minimum $10,000

Maximum $100,000

2012 & 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 SB One Bank personal checking/savings account.  Subject to credit approval.  Payment example: At 3.740% APR, 60 monthly payments of $18.30 per $1,000 borrowed.

** In addition to state motor vehicle title and lien fees, SB One Bank charges a $100 administrative fee for each loan secured by a vehicle.

Cushion Checking(Overdraft Protection) N/A 36 months 
$500 - $5,000
13.90%

CD Secured

Minimum $10,000

SB One Bank CD 95% LTV up to 60 months*
*Based on remaining CD term at time of settlement. CD or savings secured.
Fixed at 2% over prevailing rate.