Rates
Rates
View current deposit, account, and loan rates from Union County Savings Bank. Expand a section below to see detailed information and disclosures.
Deposit & Account Rates
Checking Accounts
| Account Type | Minimum Deposit to Open | Minimum Balance to Obtain APY | Interest Rate | APY |
|---|---|---|---|---|
| STAR Checking | $25 | — | — | — |
| Money Market Checking* | $500 | $0.01 to $2,499.99 | 0.30% | 0.30% |
| $2,500.00 to $99,999.99 | 0.59% | 0.59% | ||
| $100,000.00 to $999,999.99 | 0.65% | 0.65% | ||
| $1,000,000.00 and Over | 1.10% | 1.11% | ||
| High Yield Checking* | $1,500 | $0.01 – $15,000.00 | 2.46% | 2.50% |
| $15,000.01 and Over | 0.49% | 0.50% | ||
| If qualifying transactions are not met | 0.04% | 0.05% |
Savings Accounts
| Account Type | Minimum Deposit to Open | Minimum Balance to Obtain APY | Interest Rate | APY |
|---|---|---|---|---|
| Holiday Club Savings* | $50 | $0.01 and Over | 1.00% | 1.00% |
| STAR Savings* | $50 | $0.01 – $499.99 | 0.35% | 0.35% |
| $500.00 and Over | 0.59% | 0.60% | ||
| Rising Star Savings* | $1 | $0.01 and Over | 0.60% | 0.60% |
| High Yield Savings* | $100 | $0.01 – $100,000.00 | 3.44% | 3.50% |
| $100,000.00 and Over | 0.49% | 0.50% | ||
| If qualifying transactions are not met | 0.04% | 0.05% | ||
| IRA Savings* | $500 | $500 | 0.59% | 0.60% |
| Business Savings* | $100 | $0.01 – $99,999.99 | 0.75% | 0.75% |
| $100,000.00 and Over | 1.98% | 2.00% |
Statement CDs / IRA Deposits**
| Term | Minimum Deposit to Open | Minimum Balance to Obtain APY | Interest Rate | APY |
|---|---|---|---|---|
| 3 Month CD | $500 | $500 | 0.65% | 0.65% |
| 4 Month CD**** | $500 | $500 | 3.83% | 3.90% |
| 6 Month CD | $500 | $500 | 0.70% | 0.70% |
| 7 Month CD | $500 | $500 | 1.00% | 1.00% |
| 9 Month CD | $500 | $500 | 2.96% | 3.00% |
| 13 Month CD*** | $500 | $500 | 3.68% | 3.75% |
| 18 Month CD (new money only^) | $500 | $500 | 3.59% | 3.65% |
| 18 Month CD (existing funds) | $500 | $500 | 3.06% | 3.10% |
| 1 Year CD | $500 | $500 | 3.20% | 3.25% |
| 1 Year IRA | $500 | $500 | 3.68% | 3.75% |
| 2 Year CD / IRA | $500 | $500 | 2.96% | 3.00% |
| 3 Year CD / IRA (new money only^) | $500 | $500 | 3.44% | 3.50% |
| 3 Year CD / IRA (existing funds) | $500 | $500 | 2.23% | 2.25% |
| 4 Year CD | $500 | $500 | 2.32% | 2.35% |
| 5 Year CD | $500 | $500 | 1.35% | 1.36% |
Annual Percentage Yields (APY) are effective as of 11/24/2025 and are subject to change at any time without prior notice. Fees could reduce earnings.
^ Checking customers may be eligible to receive a 0.10% APY bonus on select promotional certificates of deposit when the qualifying checking account is open, funded, and in good standing at the time of CD opening. Additional terms and eligibility requirements may apply.
* Rates on variable-rate accounts may change at any time after the account is opened. The interest rate and APY may vary at the Bank’s discretion.
** All certificate and IRA accounts renew automatically at maturity unless we receive different instructions during the applicable grace period. Early withdrawal penalties may apply and could reduce earnings. Renewal term and rate may differ from the original term.
*** The 13-month certificate of deposit will automatically renew as a standard 12-month certificate at maturity unless you provide alternate instructions during the grace period. The renewal APY will be based on the 12-month CD rate in effect on the renewal date.
**** Holiday Club accounts accumulate deposits over the club term and are automatically disbursed to your designated Union County Savings Bank account at the end of the club period. No partial withdrawals are permitted during the term. Early withdrawal may result in closure of the account and forfeiture of accrued interest.
Mortgage Rates
If you are a first-time homebuyer, ask one of our Loan Specialists about how to receive a discounted interest rate on any of our programs offered below and pay a reduced application fee!
Fixed Rate Mortgage
Feel secure knowing that your interest rate will be fixed for the entire term of your loan.
| Product | Rate | Annual Percentage Rate (APR) | Monthly Payment per $1,000 Borrowed* |
|---|---|---|---|
| 30 Year Fixed | 6.375% | 6.407% | $6.26 |
| 20 Year Fixed | 6.250% | 6.292% | $7.33 |
| 15 Year Fixed | 5.875% | 5.927% | $8.40 |
| 10 Year Fixed | 5.750% | 5.824% | $11.01 |
Rates Effective: December 3, 2025
Adjustable-Rate Mortgage (ARM)
Take advantage of a lower interest rate by applying for an Adjustable Rate Mortgage (“ARM”). Your rate will be fixed for the initial term of your ARM loan, then adjusted annually thereafter.
| Product | Rate | Annual Percentage Rate (APR) | Monthly Payment per $1,000 Borrowed* |
|---|---|---|---|
| 3/1/30 ARM | 5.875% | 6.093% | $6.06 |
| 5/1/30 ARM | 5.875% | 6.059% | $6.03 |
| 7/1/30 ARM | 6.000% | 6.093% | $6.06 |
| 10/1/30 ARM | 6.250% | 6.282% | $6.18 |
Rates Effective: December 3, 2025
Payments do not include amounts for taxes and insurance premiums. Actual payment will be greater.
*Annual Percentage Rate (APR) includes fee estimates for commitment fee, flood certification, settlement/closing, and an origination fee, if applicable. The APR displayed above does not include pre-paid daily interest. Rates quoted are for purchase transactions only, 1–4 family owner-occupied dwellings located in New Jersey, and based on the following assumptions: 80% LTV, $400,000 loan amount, and no subordinate financing. Your actual rate will depend upon several factors including, but not limited to, the loan type, loan size, property type, your credit report, and property value. Interest rates may be increased for jumbo loan amounts and investment properties. Contact a lending specialist for more information.
Receive 0.25% off the above-published interest rate if your loan payment is automatically deducted from a Union County Savings Bank account. Look into our Personal Checking and Personal Savings account options here. Please note that automatic payment cannot be deducted from a Passbook Savings Account and applies to new loans only. Property insurance required; flood insurance may be required. Loans subject to credit approval.
Consumer Loan Rates
Let the equity in your home work for you! Choose from a fixed rate home equity loan or a home equity line of credit that can be used at your convenience.
Fixed Rate Home Equity
Receive a lump-sum payment that can be used towards major expenses, improvements, or however would best suit your needs.
| Product | 6 Month Intro Rate | Standard Rate | Annual Percentage Rate (APR) | Monthly Payment per $1,000 Borrowed* |
|---|---|---|---|---|
| 5 Year Fixed Rate Home Equity | 5.500% | 6.500% | 6.303% | $19.47 |
| 10 Year Fixed Rate Home Equity | 5.500% | 6.750% | 6.615% | $11.41 |
| 15 Year Fixed Rate Home Equity | 5.500% | 7.000% | 6.883% | $8.92 |
Rates Effective: November 26, 2025
Payments do not include amounts for taxes or insurance premiums. Actual payment may be greater.
* Annual Percentage Rate (APR) displayed above does not include pre-paid daily interest. Introductory rate will be fixed for the first 6 monthly payments of the loan. Once the introductory rate period has ended, the interest rate will adjust to the standard rate for the remainder of the loan term. Rates/APRs and fees are effective as of 11/26/2025 and subject to change without notice. Rates quoted are for home equity transactions only and based on the following assumptions: 70% CLTV, $200,000 loan amount. Property securing the loan must be a 1–4 family owner-occupied dwelling located in New Jersey. Property insurance required; flood insurance may be required. Loans subject to credit approval.
Receive 0.250% off the above-published standard interest rate if your loan payment is automatically deducted from a Union County Savings Bank account. Look into our Personal Checking and Personal Savings account options here. Please note that automatic payment cannot be deducted from a Passbook Savings Account and applies to new loans only.
Home Equity Line of Credit
A Home Equity Line of Credit will allow you to access the equity in your home to use when you need it most.
| Product | Fixed Rate for the First 6 Billing Cycles | Variable APR* for the Remainder of Draw Period |
|---|---|---|
| Home Equity Line of Credit | 5.99% | 7.000% |
Rates Effective: October 31, 2025
* Introductory Annual Percentage Rate (APR) will be fixed for the first 12 billing cycles of the loan. Once the introductory rate period has ended, the APR will be the Prime Rate as published in the Wall Street Journal (“WSJ Prime”) for the remainder of the draw period. As of 10/30/2025, WSJ Prime is 7.000%. During this time, the APR is variable and subject to change monthly as WSJ Prime changes. The minimum APR that can be applied to your loan is 4.00% and the maximum APR is 16.00%. Rates/APRs are subject to change without notice. Rates quoted are for home equity line of credit transactions only and based on the following assumptions: 1st lien position below 70% CLTV. The credit line has a 5-year draw period during which interest-only payments will be due monthly. After the 5-year draw period has ended, the credit line can no longer be extended, and the outstanding balance will be repaid over a 10-year period. An inactivity fee of $100 will be charged for each 12-month period during which the line is not used. Fees are subject to change without notice. Property securing the line must be a 1–4 family owner-occupied dwelling located in New Jersey. Property insurance required; flood insurance may be required. Loans subject to credit approval.