Current Home Equity Loan Rates NJ | Spencer Savings Bank

May 18, 2017 · As of 11/8/24 the Prime Rate as published in the Wall Street Journal was 7.75% resulting in a rate of 7.75%. There is a Maximum Rate of 13.99% and a Floor Rate of 4.50%. Spencer’s Home Equity Line of Credit has a variable rate feature during the 10-year draw …

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Current Home Equity Loan Rates NJ | Spencer Savings Bank

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Best Home Equity Loan Rates In November 2024 | Bankrate

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2 days ago · Home equity rates increased again slightly this week, with the average rate on a 10-year, $30,000 home equity loan and a 15-year $30,000 loan rising to 8.53 percent and 8.48 …

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Spencer Savings Bank Review | Review, Fees, Offerings - SmartAsset

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Established in 1939, Spencer Savings Bank has $3.86 billion in assets as well as $2.88 billion in deposits, making it a large bank. Spencer Savings Bank, whose headquarters are in Elmwood …

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Spencer Savings Bank, SLA Savings Rates, CD Rates And Reviews

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Mar 26, 2021 · As of June 30, 2024, Spencer Savings Bank, SLA had $7,855,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $430,625,000 in …

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Home Equity Special - Spencer Savings Bank: Personal And …

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Get more out of your home with a Special Homeowner Loan from Spencer. Borrow up to $250,000 in home equity to fix up your house, fund your children’s education, buy a new car, …

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FAQs about Current Home Equity Loan Rates NJ | Spencer Savings Bank Coupon?

What is Spencer Savings Bank's NMLS number?

Spencer Savings Bank’s NMLS number is 421318. The following NMLS Consumer Access website will provide you with NMLS numbers for all Spencer lenders. Custom NJ home equity loan options, including fixed rate home equity loans and home equity lines of credit for homeowners throughout Northern New Jersey. ...

What are the rates for Spencer's home equity line of credit?

Spencer Savings Bank's home equity line of credit has a Maximum Rate of 13.99% and a Floor Rate of 4.50%. The rate is variable during the 10-year draw period, so the APR and minimum payment can change monthly. Property Insurance is required, and Flood Insurance may be required. Rates and terms are subject to change without notice. ...

What is Spencer Savings Bank?

Spencer Savings Bank, a community bank headquartered in Elmwood Park, NJ, has been serving its local communities with integrity and pride for more than 75 years. The bank, serving consumers and businesses, operates 21 branches throughout New Jersey. ...

Does Spencer offer a home equity loan?

Spencer offers home equity loans to help you meet your personal goals. Whether you want to make home improvements, purchase a new car, consolidate debt, finance your child’s education, or plan a well-deserved vacation, Spencer has the right home equity loan for you. ...

How much capital does Spencer Savings Bank (SLA) have?

Spencer Savings Bank, SLA has a Capitalization of 10.75% versus the BestCashCow average of 10.44. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered. ...

Does Spencer Savings Bank (SLA) have a good return on equity?

Spencer Savings Bank, SLA has a Return on Equity of 7.47% versus the BestCashCow average of 10.02%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run. ...