Greats Rates on Mortgages, Vehicles & Personal Loans

At 1st Colonial Community Bank, we're committed to helping the Greater Philly community thrive by providing financial solutions designed to meet your unique needs. We understand that whether you're buying a home, financing a vehicle, or other large purchase, securing a loan with competitive rates can make all the difference. With our personalized service and commitment to excellence, we aim to not only meet but exceed your expectations. Discover how our competitive lending rates can help you achieve your financial goals and dreams.

Mortgage Rates

Mortgage Rate Indications as of December 20, 2024

This is a traditional home loan that might be a good fit if you have an established credit history and can make a standard down payment.

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Program	Rates	Points	Annual Percentage Rate	Monthly Payments Amount*
30 Year Conventional Conforming Fixed ⁽¹⁾	7.375%	0.000%	7.455%	$1,726.69 ⁽⁴⁾
	6.999%	1.000%	7.178%	$1,663.09 ⁽⁴⁾
15 Year Conventional Conforming Fixed ⁽¹⁾	6.500%	0.000%	6.625%	$2,177.77 ⁽⁴⁾
	6.000%	1.000%	6.282%	$2,109.64 ⁽⁴⁾
30 Year FHA Fixed ⁽²⁾	6.375%	0.000%	7.166%	$1,700.96 ⁽³⁾
	6.125%	1.000%	7.016%	$1,659.57 ⁽³⁾

* Payment amounts reflected above do not include amounts for taxes and insurance; therefore, the actual payment will be higher.

NOTE: Interest rates change daily. Rate indications are for new applications only. We in the 1st Colonial Community Bank Residential Lending Division are committed to providing our clients the most competitive rates and fees everyday! Call your mortgage advisor at 856-869-3250 today to discuss "real time" rates. Borrower is responsible for amount of down payment, all appraisal costs, and closing costs. Additional closing costs may apply. Detailed costs will be made available following application.

(1) Interest rate quoted is based on a purchase transaction of a single family primary residence, loan amount of $250,000, a 20% down payment, and a fico score of 720.

(2) Interest rate quoted is based on a purchase transaction of a single family primary residence, loan amount of $250,000, a 3.5% down payment, and a fico score of 720.

(3) Payment includes principal + interest + fha monthly mortgage insurance.

(4) Payment includes principal + interest

Disclaimer:

All loans are subject to credit approval. Availability is based on loan parameters and requirements that must be approved by 1st Colonial Community Bank, Residential Lending Division. Interest rates are subject to change daily and without notice. Current interest rates shown are indicative of market conditions and individual qualifications and will vary upon your lock in period, loan type, credit score, purpose and loan to value. For information on our various programs click here.

Home Equity

To inquire about our Home Equity rate information, please give us a call at our toll-free number (877) 785-8550. Rates are subject to change at any time.

Home Equity Line of Credit Rates

Think of this as a flexible credit line using your home's value; it's great if you need funds now and then.

Prime Rate as of 12/19/2024 7.500%

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	Maximum CLTV 85%			Maximum CLTV 95%
Loan Size	Rate	APR	Payment per $1,000	Rate	APR	Payment per $1000
$5,000 - $24,999	Prime+ 2.00%	9.500%	$8.06	Prime+ 3.25%	10.750%	$9.13
$25,000 - $99,999	Prime+ 1.00%	8.500%	$7.21	Prime+ 2.25%	9.750%	$8.28
$100,000 - $199,999	Prime	7.500%	$6.36	Prime+ 1.50%	9.000%	$7.64
$200,000-$250,000	Prime- .25%	7.250%	$6.15	Prime+ 1.50%	9.000%	$7.64
> $250,000	Prime- .25%	7.250%	$6.15	N/A	N/A	N/A

CLTV stands for Combined Loan To Value Ratio which is the ratio of all secured loans on a property compared to the value of a property
Rates are subject to Change without Notice
Loans subject to credit approval
Property insurance is required for Home Equity Loans and Home Equity Lines of Credit

Home Equity Loan Rates

If you've built up value in your home and need a one-time loan, this lets you borrow against that value and pay it back in installments.

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	Maximum CLTV 85%			Maximum CLTV 95%
	Rate	APR	Payment per $1,000	Rate	APR	Payment per $1,000
5 Year Fixed	7.000%	7.018%	$19.80	8.250%	8.268%	$20.40
10 Year Fixed	7.500%	7.518%	$11.87	8.750%	8.768%	$12.53
15 Year Fixed	8.250%	8.259%	$9.70	9.500%	9.509%	$10.44

Auto Loan Rates

An auto loan empowers you to drive away in your dream vehicle, with tailored repayment plans to suit your financial journey.

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	Rate	APR	Payment per $1,000
New Cars 2024/2025	9.000%	9.010%	$24.89
Model 2020 and newer	10.500%	10.510%	$25.60

Payment is based on 48-month term
Maximum 90% financing

Personal Loan Rates

An alternative to credit cards offering a structured way of consolidating debt or making a major purchase.

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	Rate	APR	Payment per $1,000
Unsecured	12.000%	12.010%	$33.21

Greats Rates on Mortgages, Vehicles & Personal Loans