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Home Loan Rates

Effective Annual Percentage Rate (APR) listed are as of 10/31/2019. All interest rates are subject to change without notice.

Fixed Rate Mortgage

Account Interest Rate APR Months Additional Information Monthly Payment per $1,000
15 Year Fixed Rate 3.250 3.352 180 APR based on a $300,000 loan amount. Purchase/Owner-Occupied, 75% LTV, minimum credit score 740. Other terms and conditions may apply. 7.03
20 Year Fixed Rate 3.625 3.709 240 APR based on a $300,000 loan amount. Purchase/Owner-Occupied, 75% LTV, minimum credit score 740. Other terms and conditions may apply. 5.86
30 Year Fixed Rate 3.750 3.811 360 APR based on a $300,000 loan amount. Purchase/Owner-Occupied, 75% LTV, minimum credit score 740. Other terms and conditions may apply. 4.63

Note: Quoted rates for owner-occupied single family primary residences and include a 60 day rate lock. All interest rates are for NJ properties only and are subject to change without notice. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. Subject to credit approval. Effective Annual Percentage Rate (APR) listed are as of 10/31/2019. Please call 800-273-3406 for rates on properties outside NJ.

Adjustable Rate Mortgage

Account Interest Rate APR Months Additional Information Monthly Payment per $1,000
5/1/30 Adjustable Rate 3.750 4.292 360 2.25% Margin – 2/2/5 Caps, $1,000,000.00 Max., 1-4 Family Owner-Occupied, 95% Max LTV, PMI Required with less than 20% down. Call for Jumbo Rates, 60 payments of $1,389.35, 299 @ $1,579.75, 1 final payment of $1,578.82. Example based on $300,000 loan amount at an interest rate of 3.750% for the initial 60 month period, and a fully indexed rate of 4.500% after the initial period. 4.63 (first 60 monthly payments)
7/1/30 Adjustable Rate 3.875 4.266 360 2.25% Margin – 5/2/5 Caps, $1,000,000.00 Max., 1-4 Family Owner-Occupied, 95% Max LTV, PMI Required with less than 20% down. Call for Jumbo Rates, 84 payments of $1,410.71, 275 @ $1,571.37, 1 final payment of $1,573.14. Example based on $300,000 loan amount at an interest rate of 3.875% for the initial 84 month period, and a fully indexed rate of 4.500% after the initial period. 4.70 (first 84 monthly payments)

Note: The Annual Percentage Rate (APR) is variable and may increase after consummation. All interest rates are for NJ properties only and are subject to change without notice. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. Subject to credit approval. Effective Annual Percentage Rate (APR) listed are as of 10/31/2019. Please call 800-273-3406 for rates on properties outside NJ.

Home Equity Loan

Account Interest Rate APR Months Additional Information Monthly Payment per $1,000
5 Years Fixed Rate Equity 3.750 3.909 60 $5,000 Min, $500,000 Max, 80% Max LTV, 1-4 Family Owner Occupied. Disclosed APR is an example based on a $250,000 loan amount. A $195 Commitment Fee will apply. NO APPLICATION FEES. An appraisal fee of $300.00 is required for loan amounts in excess of $250,000. 18.30
10 Years Fixed Rate Equity 4.000 4.088 120 $5,000 Min, $500,000 Max, 80% Max LTV, 1-4 Family Owner Occupied. Disclosed APR is an example based on a $250,000 loan amount. A $195 Commitment Fee will apply. NO APPLICATION FEES. An appraisal fee of $300.00 is required for loan amounts in excess of $250,000. 10.12
15 Years Fixed Rate Equity 4.250 4.314 180 $5,000 Min, $500,000 Max, 80% Max LTV, 1-4 Family Owner Occupied. Disclosed APR is an example based on a $250,000 loan amount. A $195 Commitment Fee will apply. NO APPLICATION FEES. An appraisal fee of $300.00 is required for loan amounts in excess of $250,000. 7.52
20 Year Fixed Rate Equity 4.500 4.553 240 $5,000 Min, $500,000 Max, 80% Max LTV, 1-4 Family Owner Occupied. Disclosed APR is an example based on a $250,000 loan amount. A $195 Commitment Fee will apply. NO APPLICATION FEES. An appraisal fee of $300.00 is required for loan amounts in excess of $250,000. 6.33

Note: Current rates are for new home equity loan/line clients only. Minimum amount for new loans/lines is $5,000. For refinance of existing Kearny Bank loans, a minimum increase of $10,000 must be requested, or the loan must have been opened for a period of one year prior to the date of application.

All interest rates are for NJ properties only and are subject to change without notice. Effective Annual Percentage Rate (APR) listed are as of 10/31/2019.

Home Equity Line of Credit

Account Interest Rate APR Months Additional Information
15 Year Revolving Credit Line 4.250 4.250 180 $5,000 Min, $500,000 Max, 75% LTV, 1-4 Family Owner Occupied, Prime Rate minus .50%, maximum rate is 18.00% (ceiling rate), minimum rate is 4.250% (floor/start rate). A $195 Commitment Fee will apply. NO APPLICATION FEE. An appraisal fee of $300.00 is required for loan amounts in excess of $250,000.
15 Year Fixed LOC 6.500 6.500 180 $5,000 Min, $500,000 Max, 80% LTV, 1-4 Family Owner Occupied. A $195 Commitment Fee will apply. NO APPLICATION FEE. An appraisal fee of $300.00 is required for loan amounts in excess of $250,000.

Note: Current rates are for new home equity loan/line clients only. Minimum amount for new loans/lines is $5,000. For refinance of existing Kearny Bank loans, a minimum increase of $10,000 must be requested, or the loan must have been opened for a period of one year prior to the date of application.

All interest rates are for NJ properties only and are subject to change without notice. Effective Annual Percentage Rate (APR) listed are as of 10/31/2019.

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