We are currently making changes to our website.  You will notice that the url under the address bar now states  This will be the new web address going forward to access our site.  All previous web addresses that you may have saved as your favorites will automatically direct you to our site.  In the near future you will see a more dynamic website with more enhanced features.





Branch Banking Update
To support the efforts provided by the public health authorities and to flattening the curve of the spread of COVID-19, Freehold Bank branches will be temporarily eliminating lobby services effective, Wednesday, March 18, 2020 until further notice. All drive-thru’s will operate with normal banking hours and clients may conduct all banking transactions there. Clients who need lobby dependent services may contact the branch directly to discuss alternatives.   


COVID-19: A message to our customers 


At Freehold Bank, the health and well-being of our customers, associates, and communities is our top priority. We understand the concern and uncertainty you may be experiencing surrounding the coronavirus (COVID-19) and are committed to being responsive to the needs of our customers and associates as the situation evolves. 

Due to circumstances beyond our control, Freehold Bank would like all customers to use the Drive-Up lanes to conduct their daily banking business. We strongly encourage you to use Freehold Bank’s online and mobile tools and other resources for self-service banking and 24/7 account access. You can access your account online or by using the Freehold Bank’s mobile application for your convenience. From there, you can make payments, view transactions, and check balances. It’s easier and faster (in most cases) to manage your account digitally, especially given call wait times may be longer than usual. 

If you haven’t enrolled in online access, it only takes a few minutes. Visit 

We also understand that there may be instances where customers find themselves facing financial difficulties. Freehold Bank is here to help and we encourage customers who may be impacted to reach out to discuss how we might be of assistance. 

Should you find yourself in need of assistance, please contact us at 732-462-6700. 

As always, the health, safety and well-being of our customers, our associates and our communities is of paramount concern. We continue to monitor this quickly evolving situation and are here to assist our customers as needed. 

For additional information about COVID-19, visit the Centers for Disease Control and Prevention at



Commercial Real Estate Loans
For details contact Kevin Hunt, Chief Lending Officer.




10 YEAR 2.49% Interest Rate - APR 2.55% $9.42 per thousand 

 15 YEAR 2.75% Interest Rate - APR 2.79%  $6.79 per thousand

20 YEAR 2.99% Interest Rate - APR 3.03% $5.54 per thousand 

 30 YEAR 3.25% Interest Rate -  APR 3.28% $4.36 per thousand

APR based on a $510,400.00 loan amount.  Purchase or Refinance owner occupied, 80% LTV.  Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation would be greater.  Subject to credit approval.  Application fee (includes the cost of the appraisal, credit report and flood search fee) of $470.00 will be refunded at closing.  Rates subject to change without notice.  Rates are effective as of 6/8/2020.  Call for current rates.  Interest rates and APRs are fixed for the full loan term.





5 YEAR 2.50% Interest Rate - APR 2.50% $17.75 per thousand

10 YEAR 2.75% Interest Rate - APR 2.75% $9.55 per thousand

15 YEAR 3.00% Interest Rate - APR 3.00% $6.91 per thousand

20 YEAR 3.50% Interest Rate - APR 3.50% $5.80 per thousand

30 Year 3.50% Interest Rate - APR 3.50% $4.49 per thousand

Refinance owner occupied, 80% LTV.  Payments do not include amounts for taxes and insurance, if applicable.  Actual payment obligation would be greater.  Subject to credit approval.  Rates are subject to change without notice.  Rates are effective 6/8/2020.  Interest rate and APRs are fixed for the full loan term. In order to qualify for the rate, auto debit from FB account is required.  Without auto debit rate will be .25% higher.   


3.00% APR*
*Variable Rate - Index of the Prime Rate minus .25%
*Monthly payment deducted from an account with FB

 An open-ended revolving line of credit can be used for any purpose including home improvements, college tuition,
and to have available for unexpected expenses.  This loan is secured by the equity of your home.

- Prime minus .25% for the life of the loan*
- Financing up to 80% of the appraised value*
- Line amounts up to $500,000 owner-occupied primary residence only
- Minimum line amount of $10,000

*The Annual Percentage Rate (APR) for this Home Equity Line of Credit is variable based on the highest domestic prime rate published in the Wall Street Journal.  The Prime Rate as of March 16, 2020 is 3.25%.  Call for current rates.  Minimum line amount is $10,000.00.  Maximum line amount is $500,000.00 and LTV not to exceed 80% of the appraised value if a First Lien Mortgage or Freehold Bank has the first mortgage.  LTV not to exceed 60% of the appraised value for Second Lien Mortgage up to $250,000.00.  1 to 4 family owner occupied primary residences only.  Consult a tax advisor regarding the tax deductibility of interest.  Minimum possible APR is 3%.  Maximum possible APR is 18%.  Property insurance is required which includes, as required, flood insurance.  New lines only.  Eligibility requirements, terms, conditions and exclusions apply. The Home Equity Line of Credit account is payable in full upon maturity in a single Balloon payment.

*In order to qualify for the Prime minus .25% rate, auto debit from FB account is required. 
Without auto debit the rate will be prime plus 1.00%.
Subject to credit approval.   


All rates are subject to change without notice.  

We offer loans in Monmouth, Ocean, Mercer and Middlesex Counties.
Check our latest rates by clicking the "Current Rates" tab above.

To get started with your application choose the home financing that is right for you and click the links below.

Residential Mortgage Application


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