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FDIC-Insured - Backed by the full faith and credit of the U.S. Government


FDIC-Insured - Backed by the full faith and credit of the U.S. Government


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Frequently Asked Questions

Investor Relations FAQs

Where is the stock listed, and what is its ticker symbol?

Kearny Financial Corp. is listed on the Nasdaq and trades under the ticker symbol [KRNY].

Who is your transfer agent?

What questions about KRNY stock should I refer to the transfer agent?

How can I request additional information from Kearny Financial Corp.?

Mortgage FAQs

How are interest rates determined?

Interest rates are influenced by the financial markets and can change daily – or multiple times within the same day. The changes are based on many different economic indicators in the financial markets. View our current interest rates.

What is a rate lock?

What is the difference between “locking” and “floating”?

When can I lock and how much does it cost?

What is an origination charge?

How much money will be required at closing?

Will homeowners insurance be required at closing?

What is title insurance?

Home Loans FAQs

Do I have to own a home to get a Home Equity Line or Home Equity Line of Credit (HELOC)?

Home equity is what’s available after subtracting what you owe on your mortgage (and any other outstanding liens) from your home’s current market value. If you don’t own a home and need financing, look into a personal loan or a line of credit that doesn’t rely on home equity.

How much can I borrow?

How is the interest rate calculated?

What is a fixed vs. an adjustable rate mortgage? Decide which one is right for you.

Kearny Insured Liquidity Sweep FAQs

How are banks vetted in the system?

Banks that are deposit taking banks within the program are only considered if they are categorized as “well capitalized” by the FDIC and have no outstanding enforcement actions such as cease and desist orders, particularly as it relates to capital structure. Status is evaluated quarterly.

Have you experienced a bank failure within the program?

How do we know where our money is?

Are there any restrictions or delays to accessing funds?

What if I already have funds in one or more of the banks in the program?

If we deposit up to the program maximum, is interest posted still insured?

How is interest posted?

How is interest calculated?

Who pays the interest?

Beneficial Ownership FAQs

I’ve heard about the beneficial ownership regulation for businesses, what is it and why is it important?

The beneficial ownership regulation is a federal law, effective May 11, 2018 that requires all financial institutions to identify and verify the identity of the beneficial owners of legal entity (certain kinds of businesses) customers as well as a controlling person of the legal entity at the time an account is opened or maintained. The regulation is intended to make financial institutions safer for their customers while protecting the country’s financial system.

Why is Kearny Bank collecting this information?

Is Kearny Bank the only bank required to collect beneficial ownership information?

Who is a “beneficial owner?”

What is a Legal Entity customer?

Will the beneficial ownership rule affect my existing accounts at Kearny Bank?

What if the people who have been identified as beneficial owners or control persons are not clients of Kearny Bank? Do I still need to provide their personal information to Kearny Bank?

My Kearny Bank representative asked me for a Certification of Beneficial Ownership. What is this form and why is it necessary?

Will the beneficial ownership data be stored?

Will the information I provide for beneficial ownership be used for marketing to prospects that do not already have a relationship with Kearny Bank?

How do I get beneficial ownership information back to my Kearny Bank representative?

Given the sensitive nature of the information that is being provided for beneficial ownership, can I provide the details directly to my Kearny Bank representative?

I also have personal accounts with Kearny Bank. Will Kearny Bank also collect beneficial ownership information for my personal accounts?

What if I or my representative is unable to complete the Certification Regarding Beneficial Ownership form when opening the account?


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