Consumer Loans
THE BANK'S LENDING PROGRAM IS DESIGNED TO ASSIST CUSTOMERS IN NORTHERN NEW JERSEY. It is important that our lenders be familiar with the economy, trends and collateral in order to make appropriate lending decisions. As a result, we regret that we are not able to entertain lending requests out of this market area. The only loans accepted outside Northern New Jersey are Ready Reserve lines. Northern New Jersey is defined as Bergen, Passaic and Morris County, New Jersey.
Loan Rates
Current Interest Rates and Annual Percentage Rates (APR) are as of Wednesday May 22, 2013.
All Interest Rates are subject to change without notice
Fixed Rate Home Equity Loans - Owner Occupied
|
TYPE |
TERM |
APR AUTO PAY* |
MONTHLY PAY/$1000 |
APR MONTHLY BILL |
MONTHLY PAY/$1000 |
|---|---|---|---|---|---|
| SECOND LIEN POSITION | 36 MONTHS | 3.75% | $29.41 | 4.00% | $29.52 |
| 48 MONTHS | 3.75% | $22.47 | 4.00% | $22.58 | |
| 60 MONTHS | 3.75% | $18.30 | 4.00% | $18.42 | |
| 120 MONTHS | 4.10% | $10.17 | 4.35% | $10.29 | |
| 180 MONTHS | 4.25% | $7.52 | 4.50% | $7.65 | |
|
180/240 MONTHS** |
5.00% | $6.60 | 5.25% | $6.74 | |
FIRST LIEN POSITION |
|||||
| 36 MONTHS | 3.50% | $29.30 | 3.75% | $29.41 | |
| 48 MONTHS | 3.50% | $22.36 | 3.75% | $22.47 | |
| 60 MONTHS | 3.50% | $18.19 | 3.75% | $18.30 | |
| 120 MONTHS | 3.99% | $10.12 | 4.24% | $10.24 | |
| 180 MONTHS | 3.99% | $7.39 | 4.24% | $7.52 | |
|
180/240 MONTHS** |
4.25% | $6.19 | 4.50% | $6.33 | |
|
Minimum loan amount $10,000. Maximum loan amount $250,000 Homeowner's Insurance is required. Title insurance may be required on loans in excess of $250,000. Property must be 1-4 family owner occupied in Bergen, Morris and Passaic counties of New Jersey. Loan is subject to credit approval. The Bank will require a $93.00 non-refundable mortgage recording fee at loan closing. A termination fee of $400.00 will be charged should the loan be paid in full within 18 months of loan date. *Rates with automatic payment from an Atlantic Stewardship Bank checking account. **Balloon payment is required. | |||||
Home Equity Line of Credit Variable Rate
Currently @ 4.00% Annual Percentage Rate with automatic payment from an Atlantic Stewardship Bank checking account. Interest rate will increase 0.25% without auto debit . The Interest rate is based on the highest Prime Rate as published in the Wall Street Journal.
Rates: Auto Debit
$10,000.00 - $250,000.00: WSJ Prime with a floor of 4.00% and a ceiling of 16.00%
Principal & Interest: 20 Year Term, 5 year Draw Period with repayment based upon 1/180 of the principal balance plus accrued finance charges.
After the Draw Period expires, credit advances are no longer available. Outstanding balance is converted to a 15-year repayment period. Payment calculations are 1/180 of the principal balance plus accrued finance charges.
Minimum loan amount $10,000. Maximum loan amount $250,000.
Homeowners insurance is required. Title Insurance may be required on loans in excess of $250,000. Property must be 1-4 family owner occupied in Bergen, Morris and Passaic counties of New Jersey. Rates are subject to change. Loan is subject to credit approval.
The Bank will require a $93.00 non-refundable mortgage recording fee at loan closing. A termination fee of $400.00 will be charged should the loan be paid in full within (18) months of loan date.
New & Used Automobile Loans (Fixed Rate)
|
TYPE |
TERM |
APR AUTO PAY (1) |
MONTHLY PAY/$1000 |
APR COUPON (1)(2) |
MONTHLY PAY/$1000 |
|---|---|---|---|---|---|
| NEW VEHICLE | 36 MONTHS | 4.40% | $29.70 | 4.65% | $29.81 |
| 48 MONTHS | 4.60% | $22.85 | 4.85% | $22.96 | |
| 60 MONTHS | 4.75% | $18.76 | 5.00% | $18.87 | |
| USED VEHICLE+ | 36 MONTHS | 5.45% | $30.17 | 5.70% | $30.29 |
| 48 MONTHS | 5.75% | $23.37 | 6.00% | $23.49 | |
| 60 MONTHS | 5.75% | $19.22 | 6.00% | $19.33 | |
|
+ Used model years - 2010 - 2005 (1)The Bank will require a $85.00 non-refundable filing fee at loan closing. (2)Rates without automatic payment from an Atlantic Stewardship Bank checking account. | |||||
Personal Loans (Fixed Rate)
|
TYPE |
TERM |
APR AUTO PAY |
MONTHLY PAY/$1000 |
APR COUPON* |
MONTHLY PAY/$1000 |
|---|---|---|---|---|---|
| UNSECURED | 12 MONTHS | 13.250% | $89.43 | 13.500% | $89.55 |
| 24 MONTHS | 13.250% | $47.66 | 13.500% | $47.78 | |
| 36 MONTHS | 13.250% | $33.81 | 13.500% | $33.94 | |
| * Rates without automatic payment from an Atlantic Stewardship Bank checking account. | |||||
Bridge Loans
- Interest rate is variable
- Interest Only payments
- Minimum $25,000.00
- Maximum $500,000.00
- Maximum LTV 75%
Contact Consumer loan department for details
Ready Reserve Personal Overdraft Protection
A credit line to help avoid overdrafts on your personal checking account.- 18.00% APR
- No rate discount is offered on this product
- Avoid the embarrassing and expensive results of an overdraft.
- Loan advances to your checking account are transferred in exact amounts when checks, ATM transactions or point-of-sale withdrawals are made in excess of account balances up to the credit line available.
- Credit approval is required and interest charges will apply. Finance charge billed monthly.
- Payments automatically deducted from your checking account on the due date (10 days following the statement date)
- Monthly statements provided showing transfers, payments, and credits made to your account during the billing cycle.
- A $5.00 transaction fee will be assessed for each advance.
Credit Cards
Visa Credit Cards
Choose the Card That Fits Your Style!
Enjoy exceptional convenience and reliability with an Atlantic Stewardship Bank Visa Credit Card. Our cards offer competitive rates as well as special features and benefits designed to meet your individual financial needs. Whether you want to earn rewards, take advantage of a great low rate, or establish credit for the first time, we've got the card for you.
Personal Card Choices:
- Visa Signature Card
- Select Rewards Visa Platinum Card
- Cash Rewards Visa Platinum Card
- Visa Platinum Card
- College Rewards Visa Card
- Secure Visa Card
Apply
now! For more information, including rates, terms and conditions click
here
Subject to credit approval
Whichever card you choose, you'll enjoy these great benefits:
- Verified by Visa Program protects online purchases with a personal password
- Zero Liability protects against unauthorized use of your card
- 24-hour Cardmember Service
- Multiple Payment Options
- Internet Account Access allows cardmembers to view statements, transactions and payment history as well as set up account alerts and automatic payment.
Credit Card Online Access
This feature allows you to view your credit card account statement with Atlantic Stewardship Bank.
Attention all Visa cardholders:
Activate your password by clicking on the
verified by visa banner. Use your password at any participating online merchant
and get added security.
To report a lost or stolen Credit Card, please call the 24-hour lost/stolen service.
| INSIDE U.S: | TOLL FREE |
|---|---|
| Consumer | 800-558-3424 |
| Business | 866-552-8855 |
| OUTSIDE U.S: | CALL COLLECT |
| Consumer | 701-461-1556 |
| Business | 701-461-0346 |
