Spencer Savings Bank, Sla: Van Houten Ave Branch

920 Van Houten Avenue
Clifton, NJ 7015

Notable Rates	Vs. Others
Savings 1.50%	4.60% →
1-Year CD 4.30%	4.59% →
2-Year CD 3.75%	4.25% →
5-Year CD 0.50%	4.15% →
30-Year Mortgage N.A.	4.91% →
15-Year Mortgage N.A.	4.39% →
HELOC N.A.	0.99% →

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Sandpoint,Idaho

Spencer Savings Bank, SLA : Van Houten Ave Branch — distance 2119.33 mi

Deposit Rates - April 4, 2025

Savings and Money Market Rates	APY	MIN	MAX
SAV	1.50%	$50,000	$99,999	Learn More Reviews
Premium Money Market Account	3.25%	$10,000	-	Learn More Reviews

CD Rates	APY	MIN	MAX
6 Mo CD	0.15%	$1,000	-	Learn More Reviews
12 Mo CD	4.30%	$1,000	-	Learn More Reviews
13 Month Promotion / Platinum Checking	0.20%	$1,000	-	Learn More Reviews
18 Mo CD	4.10%	$1,000	-	Learn More Reviews
24 Mo CD	3.75%	$1,000	-	Learn More Reviews
30 Mo CD	0.45%	$1,000	-	Learn More Reviews
36 Mo CD	0.50%	$1,000	-	Learn More Reviews
48 Mo CD	0.45%	$1,000	-	Learn More Reviews
60 Mo CD	0.50%	$1,000	-	Learn More Reviews

Int Checking Rates	APY	MIN	MAX
INTCK	0.30%	$35,000	-	Learn MoreShow Less

Loan Rates - April 4, 2025

There are currently no loan rates available for Spencer Savings Bank, SLA:Van Houten Ave Branch

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - New Jersey 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1835285	6.081%	6.000% 0.88 points $2,800 fees	$1,919	Learn More
NMLS ID: 2006915 License#: MBL-2082006915	6.129%	6.000% 0.75 points $4,444 fees	$1,919	Learn More
NMLS ID: 118653 License#: MBL-8245	6.192%	6.125% 0.75 points $2,278 fees	$1,945	Learn More
NMLS ID: 1025894	6.235%	6.125% 1.00 points $3,759 fees	$1,945	Learn More

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Featured - New Jersey Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity See Table	Intro APR 7.250 % After Intro: 7.250 %	$15,000	Learn More More Info
Available APRs range from 6.45% - 10.95*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$400K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Achieve Loans See Table	Intro APR 8.750 % After Intro: 8.750 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. Minimum 600 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements and offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $852 for a 10-year loan. 10,15, 20 and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80% for debt consolidation and 85% for cash out requests, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

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