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Shore Community Bank Newsletter  |  732-573-1136January 2018

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Shore Specials!

Check out our CD Rates!

15-Month CD  Rate 1.59%  APY* 1.60%

21-Month CD Rate 1.73%  APY* 1.75%

*Rate/Yield Effective: 1/15/2018
*$500 minimum to open. Annual percentage yields assumes interest will remain on deposit, withdrawal will reduce earnings. Fees could reduce earnings. Interest rates and annual percentage yields subject to change with notice. Penalties may apply for early withdrawals.

Mortgage Rates!

30 Year Conventional Fixed Rate
4.25% APR 4.309%*
& 15 Year Conventional Fixed Rate
3.75% APR 3.852%**

Call 732.573.1136 or visit any one of our Branches for a customized rate quote and
FREE mortgage checkup!

*Payment example: On a 30 year fixed mortgage with a loan amount of $200,000 and an interest rate of 4.25%, the principal and interest payment would be $983.88 per month.  **On a 15 year fixed mortgage with a loan amount of $200,000 and an interest rate of 3.75, the principal and interest payment would be $1,454.44 per month. Rates based on 20% down payment purchase transaction up to $417,000 loan amount. Interest rates on mortgages may vary. Rates are subject to change without notice.

Should You Refinance Your Home?
Making the right decision about your mortgage

If you are a homeowner, chances are you’ve received emails or physical mail advising you to refinance your mortgage, but many Americans don’t understand exactly what this process entails. Before taking the leap, learn more about what it means to refinance your loan and whether or not it’s right for you.

How to Protect Valuable Business Documents
Tips to safeguard your business’ confidential and important papers

Identifying information, confidential communications and financial data are like your business’ fingerprint — unique to your business and vital to its success. That’s why it is so important, especially in today’s age of identity thieves and online hackers, to safeguard your business’ most crucial documents.

Automatic vs. Manual Bill Pay
Here are some of the best ways to utilize automatic and manual payments

The increase of technology in our society is not only seeping into our media and personal tech, but also into our finances. Many of your bills likely allow you to pay online and some will even have an option for automatic payments, with the money coming out of your account each month without you having to lift a finger or send a check in the mail.

Saving for the New Year
Turn over a fresh financial leaf

A new year provides a great opportunity to press the reset button on your financial goals. Whether you are continuing your current resolutions or initiating new ones, here are some strategies to help boost savings and curb expenses in 2018.

Published by Shore Community Bank
Includes copyrighted material of IMakeNews, Inc. and its suppliers.
Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.
December 2017
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