Our offices will close at 3 PM on Tuesday, December 31st. On Wednesday, January 1st, our offices and Client Connection Center will be closed in observance of New Years Day and will reopen normal business hours Thursday, January 2nd.
You can manage your accounts through our online and mobile banking services.

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How can we help you?

844-266-2548

support@cnob.com

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Personal Loan Rates

Leverage competitive rates on the financing you need

Personal Loan²

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Cash Reserve

Term

Loan Amount

Acceptable Collateral

Bank Fees and Closing Costs Paid by Consumer

APR¹ without Auto Deduct

APR¹ with Auto Deduct

Cost Per Thousand

Revolving

$500-$25,000

Collateral Not Applicable

None

14.00%

7/8/2024 7:00

Personal Unsecured

Term

Loan Amount

Acceptable Collateral

Bank Fees and Closing Costs Paid by Consumer

APR¹ without Auto Deduct

APR¹ with Auto Deduct

Cost Per Thousand

24 / 36 / 60 Months

$2,000-$10,000

Collateral Not Applicable

None

15.00%

14.50%

24 months = $48.49; 36 months = $34.67; 60 months = $23.79

7/8/2024 7:00

Personal Secured

Term

Loan Amount

Acceptable Collateral

Bank Fees and Closing Costs Paid by Consumer

APR¹ without Auto Deduct

APR¹ with Auto Deduct

Cost Per Thousand

Commensurate with term of collateral

Commensurate with amount of collateral not to exceed $1,000,000

ConnectOne Passbook Savings or ConnectOne Time Deposit

None

Greater of Prime Rate or 2% over book rate

24 months = $43.65; 36 months = $29.76; 48 months = $22.80; 60 months = $18.64

7/8/2024 13:54

HELOC and Home Equity Loans^{2, 3}

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Home Equity Line of Credit

Term

Loan Amount

Acceptable Collateral

Bank Fees and Closing Costs Paid by Consumer

APR 1 without Auto-Deduct

APR 1 with Auto-Deduct

Cost Per Thousand

Draw Period 5 Years / Interest Only Minimum Payment required for first 5 years / Any balance remaining after draw period ends will fully amortize over 10 years

$25,000-$500,000

1-4 family owner occupied and 1 family vacation homes

If line is paid and closed within the 1st 2 years and average usage is less than 50% of line, an early termination fee of $1250 may apply. Appraisal fees applicable for lines > $250,000. Title Insurance required for lines in 1st lien position where credit limit is >= $150K

Prime + .50 Floor rate = Prime, Max Rate = 16%

Prime. Floor rate = Prime, Max Rate = 16%

7/8/2024 14:50

60 / 120 / 180 months

$25,000-$500,000

1-4 family owner occupied and 1 family vacation homes

Appraisal fees applicable for loans > $250,000. Title Insurance required for lines in 1st lien position and loan is >= $150K

60 months = 7.250%; 120 months = 7.375%; 180 months = 7.500%

60 months = 6.750%; 120 months = 6.875%; 180 months = 7.00%

60 months = $19.92 ; 120 months = $11.81; 180 = $9.327

7/8/2024 14:52

Auto Loans²

For the purchase of a new or used vehicle only.

Auto - New

Term

Loan Amount

Acceptable Collateral

Bank Fees and Closing Costs Paid by Consumer

APR¹ without Auto Deduct

APR¹ with Auto Deduct

Cost Per Thousand

12 / 24 / 36 / 48 / 60 months

$2500-$100,000

Automobiles for non-commercial use

None, however borrower(s) responsible for all applicable DMV fees and taxes

12-36 Mo = 6.25%; 48 months = 6.50%; 60 months = 6.75%

12-36 Mo = 5.75%; 48 months = 6.00%; 60 months = 6.25%

12 months = $86.18; 24 months = $44.43; 36 months = $30.54; 48 months = $23.71; 60 months = $19.68

7/8/2024 15:03

Auto - Used

Term

Loan Amount

Acceptable Collateral

Bank Fees and Closing Costs Paid by Consumer

APR¹ without Auto Deduct

APR¹ with Auto Deduct

Cost Per Thousand

12 / 24 / 36 / 48 months

$2500-$100,000

Automobiles for non-commercial use - Maximum age = 6 years

None, however borrower(s) responsible for all applicable DMV fees and taxes

12-36 Mo = 7.00% 48 months = 7.50%

12-36 Mo = 6.50% 48 months = 7.00%

12 months = $86.53 24 months = $44.77 36 months = $30.88 48 months = $24.14

7/8/2024 15:05

Why Bank with ConnectOne?

Competitive Deposit Rates

24/7 Banking At Your Fingertips

Customized Lending Solutions

Online Account Management

Extended FDIC Coverage

1 Annual Percentage Rate (APR)

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2 All loans are subject to credit approval

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3 On properties located within the state of New York, borrower(s) are required to pay the New York State Mortgage Recording tax. On properties located within the state of Florida, borrower(s) are required to pay all title and closing costs, along with any applicable Intangible and Documentary Stamp taxes

Select your account type.....

We can help you reach your unique goals

Personal Loan2

HELOC and Home Equity Loans2, 3

Auto Loans2

Why Bank with ConnectOne?

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Personal Loan²

HELOC and Home Equity Loans^{2, 3}

Auto Loans²