Deposit Rates Loan Rates


Home Equity Loans - First Lien
$5,000 to $100,000 - Owner Occupied - One and Two Family Dwellings - 80% LTV
Term Rate APR P&I Payment Per $1,000
36 Months 3.750% 3.750% 29.41   (36 mo.)
60 Months 3.875% 3.875% 18.36   (60 mo.)
120 Months 4.000% 4.000% 10.12 (120 mo.)
180 Months 4.125% 4.125% 7.46 (180 mo.)
240 Months 4.250% 4.250% 6.19 (240 mo.)

  • No Fees - Loans $100,000.00 or under, with satisfactory Valuation Model
  • 80% Loan To Value
Home Equity Loans - Second Lien
$5,000 to $100,000 - Owner Occupied - One and Two Family Dwellings - 70% LTV
Term Rate APR P&I Payment Per $1,000
60 Months 4.500% 4.500% 18.64   (60 mo.)
120 Months 5.000% 5.000% 10.61 (120 mo.)
180 Months 5.250% 5.250% 8.04 (180 mo.)
240 Months 5.500% 5.500% 6.88 (240 mo.)

    Second lien Home Equity loans  may be eligible for “first lien” pricing and 80% max LTV if first mortgage is held by Prudential Savings Bank

    • No Fees - Loans $100,000.00 or under, with satisfactory Valuation Model
    • 70% Loan To Value
    Equity Revolving Lines
    Minmum Loan Amount $5,000 - Owner Occupied
    One and Two Family Dwellings - 70% LTV
    Interest Rate
    WSJ Prime Rate + 0
    • 70% Loan To Value
    • Variable Rate APR
    • Remaining Term of Line - Prime + 0
    • Terms up to 20 years - Principal and Interest Payments
    • New Lines of Credit ONLY
    • No Fees - Loans $100,000.00 or under, with satisfactory Valuation Model
    • Wall Street Journal Prime Rate (WSJ Prime Rate)
    • Annual Fee Waived First Year - $25.00 per year
    • Loans up to $350,000 - Minimum APR 3.50%
    • Loans over $350,000- Minimum APR 4.50%
    • Maximum APR 18%

    Disclosures:

    • *APR = ANNUAL PERCENTAGE RATE
    • Rates subject to change without notice. (Rates as of September 23, 2016 10:00 AM )
    • Subject to credit approval
    • Property Insurance Required
    • Payments do not include amounts for taxes and insurance premiums
    • Consult with a Tax Advisor about the deductibility of interest
    • Maximum combined LTV on Condominiums 65%, Primary Residence Only
    • Please call our Lending Department at 215-755-1500 for details
    • Loans over $100,000.00 will require title insurance
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    Home Equity Loans - One and Two Family Dwellings - $5,000 to $100,000
    Term Interest Rate
    12 - 60 Months 6.50%
    61 - 120 Months 6.75%
    121 - 180 Months 7.00%

    • 1st lien-75% max loan to value, 2nd lien-70% max loan to value
    • All fees paid by borrower
    Equity Revolving Lines - One and Two Family Dwellings - $5,000 to $100,000
    Interest Rate:
    WSJ Prime + 1.00
    • Variable Rate
    • 1st lien-75% max loan to value, 2nd lien-70% max loan to value
    • Minimum APR 6.50%
    • All fees paid by borrower
    • $50.00 Annual Fee
    • Maximum APR 18%
    • Annual cleanup provision may be required depending on purpose of line
    Equity Revolving Line for Business Use- Secured by Personal Residence
    Interest Rate- WSJ Prime +.75%
    • Variable Rate
    • 1st lien-75% max loan to value, 2nd lien-70% max loan to value
    • Minimum APR (floor)- 4%
    • All Fees paid by borrower
    • .50% fee at origination and renewal
    • 12 Month Annual Renewal (subject to approval)
    • Maximum APR 18%
    • Annual cleanup provision may be required depending on purpose of line

    Disclosures:

    • * Rates subject to change without notice. (Rates as of September 23, 2016 10:00 AM)
    • **Subject to Credit Approval.**
    • Property Insurance Required.
    • Payments do not include amounts for taxes and insurance premiums.
    • Please call our Lending Department at 215-755-1500 for details.
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    The NMLS (Nationwide Mortgage Licensing System & Registry) ID Number for Prudential Savings Bank is 518005. If you would like more information about NMLS or would like to look up the NMLS ID Number for one of our mortgage loan originators, please go to the Nationwide Mortgage Licensing System & Registry website at: www.nmlsconsumeraccess.org

    Conventional Fixed Rate Program, Owner Occupied
    Maximum Loan Amount $417,000.00
    Interest Rate Annual Percentage Rate (APR) Points Term   P&I* Payment Per $1,000
    2.750% 2.834% 0 10 Years Click For Payments $9.54
    2.875% 2.933% 0 15 Years Click For Payments $6.85
    3.250% 3.295% 0 20 Years Click For Payments $5.67
    3.500% 3.533% 0 30 Years Click For Payments $4.49

    Disclosures:

    • Rates as of September 23, 2016 10:00 AM . Rates subject to change daily (including same day). For real time rates, please call 215-755-1500.
    • The rates you receive may by higher based on credit score, mortgage loan-to-value ratio and other loan factors. 
    • Please call for Jumbo Rates (above $417,000)
    • Subject to Credit Approval
    • Property Insurance Required
    • Loan to values from 80% to 97% require PMI (Private Mortgage Insurance). Other costs and fees may apply.
    • *P&I= Principal and Interest. These payments do not include amounts for taxes and insurance premiums; actual payment will be greater.
    Adjustable Rate Mortgages (ARMs), Owner Occupied
    Maximum Loan Amount $417,000
    Interest Rate Annual Percentage Rate Points Term   P&I* Payment Per $1,000
    3.000% 3.496% 0 5/1 (360 Term) Click For Payments $4.22

    3.250% 3.527% 0 7/1 (360 Term) Click For Payments $4.35

    3.625% 3.685% 0 10/1 (360 Term) Click For Payments $4.56

    Disclosures:

    • Rates as of September 23, 2016 10:00 AM. Rates subject to change daily (including same day). For real time rates, please call 215-755-1500.
    • The rates you receive may by higher based on credit score, mortgage loan-to-value ratio and other loan factors.
    • Please call for Jumbo Rates (above $417,000)
    • Subject to Credit Approval
    • Property Insurance Required.
    • These payments do not include amounts for taxes and insurance premiums; actual payment will be greater.
    • LTVs from 80% to 95% require PMI (Private Mortgage Insurance). Other costs and fees may apply.
    • *P&I= Principal and Interest. These payments do not include amounts for taxes and insurance premiums; actual payment will be greater.

    ARMs are Variable Rate loan products. Rate and payments will adjust annually at the end of the fixed rate period. APR and payment may increase after consummation. Index used is the One Year London Interbank Offering Rate (LIBOR). Since the value of the index in the future is unkown, the first adjusted payments displayed are based on the current index plus margin (fully indexed rate) as of the above date.

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    Residential Investment and Commercial Real Estate
    Interest Rate Points Maximum Term Loan To Value
    4.250% 1.00% 25 Year / 3 Year Balloon 75%
    4.500% 1.00% 25 Year / 5 Year Balloon 75%
    4.750% 1.00% 25 Year / 7 Year Balloon 75%
    5.375% 1.00% 25 Year / 10 Year Balloon 75%
    4.500% 1.50% 25/10 Balloon with 5 Year Reset*** 75%
    4.500% 1.00% 10 Year Fixed Rate 75%

    ***Fixed for first five years. Reset at Prime +1.25% with a floor of 4.5% for remaining 5 years


    Disclosures:

    • PLEASE CALL TO DISCUSS OTHER RATES AND TERMS ON ALL INVESTMENT LOANS.
    • Rates subject to change without notice (Rates as of September 23, 2016 10:00 AM )
    • Subject to Credit Approval
    • Property Insurance Required.
    • Minimum fee will be 1.00% of the mortgage amount or $500.00 whichever amount is higher.
    • These payments do not include amounts for taxes and insurance premiums; actual payment will be greater.
    • Balloon Loans: P&I monthly payments will not repay the prinicipal in full, you will be required to pay the entire outstanding balance in a single payment (the balloon payment) at the end of the balloon term.
    • Please call our Lending Department at 215-755-1500 for details.
    • ADDITIONAL COMMERCIAL PRODUCTS ARE AVAILABLE
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