Investors Savings Bank is a $5-billion savings bank which has served banking customers in New Jersey for over 80 years. We currently have 85 branch offices in eight New Jersey counties.

Benefit from our low fixed and variable rates especially compared to high-interest credit cards and installment loans with a Home Equity Loan from Investors or check out our variable rate Home Equity Line of Credit. Either way a Home Equity Loan or Line from Investors can cost you less and save you more. It’s the smart way to borrow.

Equity Loan Rates

Effective 04/13/2012


Fixed Rate Home Equity Loans

maximum $500,000

Program Rate Cost per $1000
3 Year Fixed 3.250% APR* $29.20
5 Year Fixed 3.250%ARP* $18.09
10 Year Fixed 3.75%APR* $10.01
15 Year Fixed 4.00% APR* $7.40
20 Year Fixed 4.50% APR* $6.33
25 Year Fixed 5.00% APR* $5.85
30 Year Fixed 5.25% APR* $5.53

Equity Credit Line

Loan amount: $10,000 to a maximum of $500,000

3.24%APR**

INTRODUCTORY RATE OFFER - During a 6-month period beginning on the closing date, the interest rate and Annual Percentage Rate (APR) will be fixed at 3.50% (3.25% with auto-debit described below) regardless of the outstanding balance. A $75.00 closing fee will be payable at the time of closing. Thereafter, the interest rate and APR will be variable as follows:

The APR is variable and adjusts according to the Prime Rate as published in the Wall Street Journal. Prime Rate is currently 3.25%. The rate show includes a discount of .25%. To receive this discount, you must have your monthly payments automatically debited from an Investors Savings Bank checking account. However, in no event will the interest rate ever exceed 15.00% ("the ceiling") or be less than 4.00% ("the floor"). Hazard insurance required.

Your line is available for as long as you own your home. As your outstanding balance is paid, funds become accessible. There is no need to re-apply.

All Annual percentage rates and fees are subject to change without notice.

[The information on this page is updated directly by the lender using HSH's LiveEdit service. Please contact the lender with any questions or comments about the information posted here.]

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Short Hills, NJ 07078
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