This section contains information on Home Equity Loans/Lines, Auto Loans, Personal Loans and Overdraft Protection

Home Equity / Fixed Rate Loans offer:

  • Terms up to 15 years on fixed rate loans.
  • A loan amount of up to 80% of your home's appraised value, less the balance of your first mortgage, and any other mortgages and/or liens. Higher LTV’s available based on credit score.
  • Loan amounts range from $5,000 to $500,000 or more.
  • Interest rates that are lower than most other types of loans.

Home Equity Lines of Credit

A Home Equity Line of Credit is the most flexible way to utilize your home's equity. It allows you to tap into your equity, as you need it. Think of it as the ultimate credit card. You can spend by borrowing against it whenever you choose.

Credit Lines offer:

  • Outstanding versatility and flexibility.
  • An effective means of addressing the unexpected as well as planned expenses.
  • Credit lines from $5,000 up to $500,000.
  • A credit line of up to 80% of your home's appraised value, less the balance of your first mortgage, and any other mortgages and/or liens. Higher LTV’s available based on credit score.
  • Highly competitive interest rates and you only pay interest on the money you borrow.
  • Annual Percentage Rates, subject to change monthly, and are indexed to the Wall Street Journal Prime Rate Money Rate Table.
  • A monthly statement detailing all transactions and indicating the amount of credit remaining
  • Credit line term of 20 years.

As Completed Construction Loan

Thinking of building an extension on your home, but you are currently falling short of sufficient equity? Call or e-mail us about an "as Completed Construction Loan" and let us help you get started.

Personal Loan

Our signature loan for a variety of personal needs.


Automobile Loan

1st Constitution Bank offers financing up to 100% of the cost of a new vehicle less tax and tags, and up 100% of the NADA loan value on a used vehicle (2003 models or later). A "new vehicle" may include 2008 or newer models. Make sure you get the best possible deal! If a dealer offers you a choice between a low interest rate on financing or a rebate, contact us first! We may be able to save you money.

 

Overdraft Protection Loan

Avoid costly overdraft charges with a 1st Constitution Bank cash reserve account. Have up to $5000 credit on hand if you need it. Interest rate of 18% (APR) Annual Percentage Rate only applies when funds are in use.

Cash Loan

Do you have cash available or other investments? Borrow against your existing resources and save money on your interest rate.

Click here to view 1st Constitution's competitive rates.

Email or call:
609.655.4500

Kids 1st Savings
Personal Checking
Personal Savings
Personal CD's
Personal Loans
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ATM/Debit Cards
IRA Accounts

Deposits at FDIC insured institutions are now insured up to at least $250,000 per depositor through December 31, 2013. On January 1, 2014 the standard insurance amount will return to $100,000 per depositor for all account categories except for IRA's and other certain retirement accounts will remain at $250,000. (This supersedes the October 2, 2008 changes.) 1st Constitution Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2009, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

Equal Opportunity Housing Lender

Privacy Act

Equal Housing Lenders. 1st Constitution Bank is a member FDIC. © 2000 1st Constitution Bancorp. All Rights Reserved.


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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.