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Loan Rates


Home Equity Line (Standard)

We offer Home Equity Lines of Credit on one to four family owner occupied properties in NJ and PA. The home must be the owner's primary residence.
Home Equity Line of Credit Term Variable Interest Rate APR FLOOR CEILING
5 Year Draw Period

15 Year Repayment Period

7.00% *1 7.00% 3.99% 16.00%
5 Year Draw Period

15 Year Repayment Period

7.50% *2 7.50% 3.99% 16.00%
1 Prime with Automatic Payment from The Bank of Princeton checking account
2 Prime + .50% without Automatic Payment from The Bank of Princeton checking account
  • No application fee
  • No points
  • Annual Percentage Rate may change at any time. Rates may increase after consummation.
  • Variable APR is based on the Prime Rate (Prime) as published in the Wall Street Journal
  • Minimum credit line amount $10,000; First 5 years interest only; 15 year repayment – principal and interest.
* APR denotes Annual Percentage Rate. Owner occupied 1-4 family residential property(ies) secured by a first or second lien in NJ or PA. Extended to owners of the property being pledged as collateral. Maximum loan-to-value ratio of 80%. Hazard insurance is required on all Home Equity Lines of Credit. Flood insurance may be required. Title insurance required for loan amounts over $500,000. Early Termination fee if paid off or refinanced with another lending institution within 24 months of settlement; $200 for loan amounts $20,000 and less; $400 for loans greater than $20,000. Borrowers are responsible for mortgage recording fee. Other applicable fees may apply.
Lines of Credit are subject to credit approval.
Rates and terms are current as of 11/04/2022 and are subject to change at anytime without prior notice.
 
 

Home Equity Loans

We offer Home Equity Loans on one to four family owner occupied properties in NJ and PA. The home must be the owner's primary residence. Loans can be secured by first or subordinate liens on dwellings.

Home Equity Loan Term 1st Lien APR* 2nd Lien APR*
5 Years 5.750% 5.802% 5.875% 5.927%
10 Years 6.000% 6.028% 6.125% 6.153%
15 Years 6.125% 6.145% 6.375% 6.395%
20 Years 6.500% 6.516% 6.750% 6.766%


  • No application fee
  • No points
  • Fixed rate for the term of the loan
  • Minimum loan amount $10,000
* APR denotes Annual Percentage Rate. Owner occupied 1-4 family residential property(ies) secured by a first or second lien in NJ or PA. Extended to owners of the property being pledged as collateral. Maximum loan-to-value ratio of 80%. Hazard insurance is required on all Home Equity Loans. Flood insurance may be required. Title insurance required for loan amounts over $500,000. Borrowers are responsible for mortgage recording fee. Other applicable fees may apply.
Loans are subject to credit approval.
Rates and terms are current as of 11/01/2022 and are subject to change at anytime without prior notice.
 

Overdraft Protection

Minimum Maximum Interest Rate APR
$250 $20,000 14.00%  14.00%

Personal Loan

Secure Minimum LTV Interest Rate*
CD/Savings Account $1,000 * Contact the Bank for terms, rates, and LTV.
Unsecured  Minimum/Maximum
N/A $500 / $20,000
*** Terms, Rates and Fees are subject to change without notice. Interest Rates subject to credit approval. APR = Annual Percentage Rates. Contact The Bank of Princeton for details. Call your local Customer Service Representative or 609.921.1700.