Investors Savings Bank

Fixed Rate Equity Loans
We offer the following products with no application fee and no appraisal fee. We offer home equity loans and lines of credit on 1 and 2 family owner occupied properties in the state of New Jersey only. The home must be the owner's primary residence or true vacation home.
 
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Fixed Rate Equity Loans

Rates as of Thursday, August 5, 2010
Interest Rate Annual Percentage Rate Payment per $1,000 Payments Closing Costs Apply
Home Equity Loans
3 Year Fixed Home Equity Loan
4.250% 4.739% $29.64 Show Payments and Rates $92.70
5 Year Fixed Home Equity Loan
4.500% 4.805% $18.64 Show Payments and Rates $93.75
10 Year Fixed Home Equity Loan
4.990% 5.153% $10.60 Show Payments and Rates $95.85
15 Year Fixed Home Equity Loan
5.250% 5.365% $8.04 Show Payments and Rates $96.90
20 Year Fixed Home Equity Loan
5.490% 5.582% $6.87 Show Payments and Rates $97.80
25 Year Fixed Home Equity Loan
5.750% 5.828% $6.29 Show Payments and Rates $99.00
30 Year Fixed Home Equity Loan
5.990% 6.060% $5.99 Show Payments and Rates $99.90

Annual Percentage Rates shown include a ¼% rate reduction with automatic payment deducted from a checking account at Investors Savings Bank.
 
Hazard insurance is required on all Equity Loans or Equity Lines of Credit. A $75.00 Closing fee will be collected at closing on all Equity products except the Special Home Improvement Loan.  
 
All Annual percentage rates and fees are subject to change without notice.