1st Constitution Bank

Retail Loan Rates
Automobile 2011 and Newer - (Up to 72 months) Up to 100% financing of the vehicle not including tax, tags, or other programs purchased. May include 2011 and Newer models with no mileage until 2/28/2012.
Loans up to 60 months=6.25% APR, $19.45 cost per $1,000.00 borrowed with auto charge from a 1st Constitution Bank account. Loans up to 72 months= 6.50% APR, $16.81 cost per $1,000.00 borrowed with auto charge from a 1st Constitution Bank account. Other programs are available.

Automobile - 2006-2010 (Used) (Up to 60 Months)
Up to 100% financing of the NADA Loan Value
Loans up to 60 months, 1-2 year old vehicles- 6.50% APR- $19.57 cost per $1,000 borrowed with auto charge from a 1st Constitution Bank account. Loans up to 48 months, 3-4 year old vehicles- 6.75% APR-$23.83 cost per $1,000 borrowed with auto charge from a 1st Constitution Bank account. Loans up to 36 months, 5 year old vehicles- 7.00% APR* - $30.88 cost per $1000 borrowed with auto charge from a 1st Constitution Bank account. Other programs are available.

Fixed Home Equity
80% LTV (up to 15-year amortization)
Type	APR*	Discounted APR*
1 to 5 years	4.75%	4.50% *
6 to 7 years	5.75%	5.50% *
7 to 10 years	5.75%	5.50% *
11 to 15 years	6.60%	6.35% *

Revolving Home Equity*
80% LTV (20 year amortization)

New York City Prime **	Minus 1% floating	with auto deduction
New York City Prime **	plus 0% floating	without auto deduction

Floor rate of 5.0% Automatic debit from a 1st Constitution Bank account (.25% discount on rate) Annual Percentage Rates (APRs) shown in the new car example are for auto charge from a 1st Constitution Bank account. Rates and Terms are subject to change with out notice. Annual Percentage Rates (APRs) shown in the used car example are for auto charge from a 1s Constitution Bank account. Rates and Terms are subject to change without notice. *(as published in the Wall Street Journal Rate Table) Email or call: 609.655.4500

Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts

1st Constitution Bank is participating in the FDIC's Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act). All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. The temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.
The term “noninterest-bearing checking account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking account or demand deposit accounts that may earn interest, NOW accounts, money market deposit accounts, and Interest on Lawyer Trust Accounts (IOLTA’s).

Funds that are automatically transferred, or “swept” from a noninterest-bearing transaction account to another account that does not qualify as a noninterest-bearing account will no longer be fully covered under the Transaction Account Guarantee Program (TAGP).

Equal Opportunity Housing Lender

Privacy Act

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IMPORTANT INFORMATION ABOUT PROCEDURES

FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.