Rates
Current Promotional Offer
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7 Month CD
3.87% Interest Rate
4.00% APY
$500 Initial Opening Deposit / Minimum Balance to obtain APY
The Annual Percentage Yields (APYs) are effective 04/11/2025. Rates are subject to change at any time. Fees could reduce earnings.
Personal Checking
Relationship Checking
| Min Balance to Obtain APY | Interest Rate | APY | Additional Information | |
|---|---|---|---|---|
| $2,500 | 0.15% | 0.15% | ||
| $2,500 | 0.05% | 0.05% | On entire balance of account if average daily balance is under $2,500 and/or all qualifications are not met | Get Started |
The Annual Percentage Yields (APYs) are effective 04/11/2025. Rates are subject to change at any time. Fees could reduce earnings.
High Yield Checking
| Min Balance to Obtain APY | Interest Rate | APY | Additional Information | |
|---|---|---|---|---|
| N/A | 1.00% | 1.00% | On balances up to and including $25,000, when qualifications are met. Balances over $25,000 earn 0.15% interest rate on portion of balance over $25,000, resulting in 1.00% - 0.25% APY. Non-qualifying accounts receive 0.05% APY. Initial deposit of $100 required to open account.On balances up to and including $25,000, when qualifications are met. Balances over $25,000 earn 0.15% interest rate on portion of balance over $25,000, resulting in 1.00% - 0.25% APY. Non-qualifying accounts receive 0.05% APY. Initial deposit of $100 required to open account. | |
| N/A | 0.15% | 1.00% |
The Annual Percentage Yields (APYs) are effective 04/11/2025. Rates are subject to change at any time. Fees could reduce earnings.
Senior Checking
| Min Balance to Obtain APY | Interest Rate | APY | Additional Information | |
|---|---|---|---|---|
| N/A | 0.15% | 0.15% | Primary account holder must be 60 years of age |
The Annual Percentage Yields (APYs) are effective 04/11/2025. Rates are subject to change at any time. Fees could reduce earnings.
Fixed Rate Mortgage
15 Year Fixed Rate
| Interest Rate | APR | Points Paid | Months | Monthly Payment per $1,000 | Additional Information |
|---|---|---|---|---|---|
| 6.000% | 6.189% | 0 | 180 | $8.44 | APR based on a $300,000 loan amount. Purchase/Owner-Occupied, 75% LTV, minimum credit score 740. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. |
20 Year Fixed Rate
| Interest Rate | APR | Points Paid | Months | Monthly Payment per $1,000 | Additional Information |
|---|---|---|---|---|---|
| 6.500% | 6.659% | 0 | 240 | $7.46 | APR based on a $300,000 loan amount. Purchase/Owner-Occupied, 75% LTV, minimum credit score 740. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. |
30 Year Fixed Rate
| Interest Rate | APR | Points Paid | Months | Monthly Payment per $1,000 | Additional Information |
|---|---|---|---|---|---|
| 6.750% | 6.874% | 0 | 360 | $6.49 | APR based on a $300,000 loan amount. Purchase/Owner-Occupied, 75% LTV, minimum credit score 740. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. |
Savings
| Account | Interest Rate | APY | Initial Opening Balance/Min Balance to Obtain APY | |
|---|---|---|---|---|
| Savings (Statement) | 0.05% | 0.05% | N/A | Open Now |
| Holiday Club | 0.10% | 0.10% | N/A | |
| Kid's Club Account | 0.25% | 0.25% | N/A |
Adjustable Rate Mortgage
5/6/30 Adjustable Rate
| Interest Rate | APR | Points Paid | Months | Monthly Payment per $1,000 | Additional Information |
|---|---|---|---|---|---|
| 6.875% | 7.150% | 0 | 360 | $6.57 (first 60 monthly payments) | 2.75% Margin – 2/1/5 Caps, 1-4 Family Owner-Occupied, 95% Max LTV, PMI Required with less than 20% down. 60 payments of $1,970.79, 299 @ $2,015.76, 1 final payment of $2,016.09. Example based on $300,000 loan amount at an interest rate of 6.875% for the initial 60-month period, and a rate of 7.125% after the initial period. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. |
7/6/30 Adjustable Rate
| Interest Rate | APR | Points Paid | Months | Monthly Payment per $1,000 | Additional Information |
|---|---|---|---|---|---|
| 6.875% | 7.120% | 0 | 360 | $6.57 (first 84 monthly payments | 2.75% Margin – 5/1/5 Caps, 1-4 Family Owner-Occupied, 95% Max LTV, PMI Required with less than 20% down. 84 payments of $1,970.79, 275 @ $2,013.31, 1 final payment of $2,013.69. Example based on $300,000 loan amount at an interest rate of 6.875% for the initial 84-month period, and a rate of 7.125% after the initial period. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. |
Home Equity Lines of Credit
15 Year Revolving Credit Line (variable)
| Interest Rate | APR | Months | Additional Information |
|---|---|---|---|
| 5.990% | 5.990% | 180 | $5,000 Min, $500,000 Max, 80% LTV, 1-4 Family Owner Occupied, Introductory rate of 5.990% for first six months then Prime Rate + 0.000%, maximum rate is 18.000% (ceiling rate), minimum rate is 4.950% (floor/start rate). NO CLOSING FEES. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. Homeowners insurance is required; flood insurance is required where necessary. Subject to credit approval. |
Money Market
Advantage Money Market
| Min Balance to Obtain APY | Interest Rate | APY | Additional Information | |
|---|---|---|---|---|
| $0.01 to $25,000 | 0.05% | 0.05% | ||
| $25,000.01+ | 2.96% | 3.00% | Earn higher interest when you maintain an average daily balance of at least $25,000 |
The Annual Percentage Yields (APYs) are effective 04/11/2025. Rates are subject to change at any time. Fees could reduce earnings.
1 This account requires a deposit of new money only. New money means funds from outside Kearny Bank. Requirements: Maintain at least $15,000 daily average balance to avoid $20 minimum balance fee. A $3.00 paper statement fee will be assessed each monthly statement cycle, after the first two statement cycles, if you do not maintain eStatements. Relationship Money Market is available for personal accounts only. Restrictions apply. Contact your local branch today for complete details.
2 This account requires a deposit of new money only. New money means funds from outside of Kearny Bank. Maximum account balance to earn the 3.15% APY promotion is $5 million. To earn the 3.15% APY on the entire balance, maintain a daily balance over $25,000. Daily balances $25,000 and under will earn .05% APY. To waive minimum balance fee of $10, maintain a daily balance of at least $10,000. Advantage Money Market is available for personal accounts only. Fees may reduce earnings. Rates may change after account opening. Restrictions apply.
Relationship Money Market
| Min Balance to Obtain APY | Interest Rate | APY | Additional Information | |
|---|---|---|---|---|
| $0.00 - $14,999.99 | 0.05% | 0.05% | $15,000 minimum deposit to open account. New money only. New money means funds from outside Kearny Bank. | |
| $15,000-$99,999.99 | 3.44% | 3.50% | ||
| $100,000-$249,999.99 | 3.59% | 3.66% | ||
| $250,000-$499,999.99 | 3.68% | 3.75% | ||
| $500,000-$999,999.99 | 3.78% | 3.85% | ||
| $1,000,000+ | 3.92% | 4.00% |
The Annual Percentage Yields (APYs) are effective 04/11/2025. Rates are subject to change at any time. Fees could reduce earnings.
1 This account requires a deposit of new money only. New money means funds from outside Kearny Bank. Requirements: Maintain at least $15,000 daily average balance to avoid $20 minimum balance fee. A $3.00 paper statement fee will be assessed each monthly statement cycle, after the first two statement cycles, if you do not maintain eStatements. Relationship Money Market is available for personal accounts only. Restrictions apply. Contact your local branch today for complete details.
2 This account requires a deposit of new money only. New money means funds from outside of Kearny Bank. Maximum account balance to earn the 3.15% APY promotion is $5 million. To earn the 3.15% APY on the entire balance, maintain a daily balance over $25,000. Daily balances $25,000 and under will earn .05% APY. To waive minimum balance fee of $10, maintain a daily balance of at least $10,000. Advantage Money Market is available for personal accounts only. Fees may reduce earnings. Rates may change after account opening. Restrictions apply.
Certificates of Deposit
| Account | Interest Rate | APY | Initial Opening Balance/Min Balance to Obtain APY | |
|---|---|---|---|---|
| 30 Day CD | 0.05% | 0.05% | $25,000 | |
| 91 Day CD | 0.05% | 0.05% | $1,000 | |
| 4 Month CD | 3.87% | 4.00% | $500 | |
| 6 Month CD | 0.05% | 0.05% | $1,000 | |
| 7 Month CD | 3.87% | 4.00% | $500 | |
| 10 Month CD | 3.63% | 3.75% | $500 | |
| 1 Year CD | 2.44% | 2.50% | $500 | |
| 13 Month CD | 3.39% | 3.50% | $500 | |
| 18 Month CD | 2.19% | 2.25% | $500 | |
| 19 Month CD | 3.25% | 3.35% | $500 | |
| 2 Year CD | 0.39% | 0.40% | $500 | |
| 3 Year CD | 0.54% | 0.55% | $500 | |
| 4 Year CD | 0.69% | 0.70% | $500 | |
| 5 Year CD | 2.92% | 3.00% | $500 |
Retirement
| Account | Interest Rate | APY | Initial Opening Balance/Min Balance to Obtain APY | |
|---|---|---|---|---|
| Statement Savings IRA | 0.05% | 0.05% | $25 | |
| 4 Month IRA | 3.87% | 4.00% | $500 | |
| 6 Month IRA | 0.05% | 0.05% | $1,000 | |
| 7 Month IRA | 3.87% | 4.00% | $500 | |
| 10 Month IRA | 3.63% | 3.75% | $500 | |
| 1 Year IRA | 2.44% | 2.50% | $500 | |
| 13 Month IRA | 3.39% | 3.50% | $500 | |
| 18 Month IRA | 2.19% | 2.25% | $500 | |
| 19 Month IRA | 3.25% | 3.35% | $500 | |
| 2 Year IRA | 0.39% | 0.40% | $500 | |
| 3 Year IRA | 0.54% | 0.55% | $500 | |
| 4 Year IRA | 0.69% | 0.70% | $500 | |
| 5 Year IRA | 2.92% | 3.00% | $500 |
Truth In Lending Disclosure
- Rates are subject to change at any time without notice. Points are costs paid in lowering a loan's rate of interest and/or to pay any loan origination costs. 1 point is equal to 1% of the loan amount.
- A Fixed Rate Mortgage is a mortgage that may have a fixed principal and interest payment up to a maximum of 30 years or 360 payments. Monthly principal and interest payments do not include Real Estate Taxes, Homeowners/Flood Insurance or Private Mortgage Insurance (PMI) for down payments that are less than 20% of the purchase price.
- APR represents the "Annual Percentage Rate".
- An Adjustable Rate Mortgage (ARM) is a mortgage that starts at a rate of interest that is usually lower than a Fixed Rate Mortgage. This loan will re-price after an introductory period to a rate that takes into account a preselected index. The most commonly used index is the weekly average yield on United States Treasury Securities adjusted to a constant maturity of one (1) year, as reported by The Federal Reserve Board. To this index, the borrower's pre-determined margin is added, then rounded to the nearest 1/8th of a percent, to arrive at the new mortgage loan interest rate for the next rate period based upon the terms of your promissory note. This is the most common type of adjustable rate mortgage offered. Monthly principal and interest payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater.
- Payment shown is cost per $1,000 borrowed.