Mortgages and Home Equity Loans

How Columbia Bank Stays Competitive

Columbia Bank strives to offer the most competitive mortgage rates in New Jersey and to always provide our customers with the best mortgage and home equity loans possible.

How Does a Mortgage Work?

A mortgage loan is a long-term loan obtained from a bank, financial institution, or other lending organization, often used to purchase, construct, or improve a home or piece of property.

What is a Home Equity Loan?

A home equity loan is a loan or line of credit that allows you to use your home or property as collateral to obtain relatively low interest rates, similar to a mortgage loan.

Online and Mobile Banking

Does Columbia Bank Offer Online Banking Options?

Yes! Columbia Bank has many different checking account options, including our FREE Yield Plus Checking, which features high-rate interest and no ATM fees nationwide.

What is Web-based Mobile Banking?

Web-based Mobile Banking provides a look, feel, and use that is very similar to your computer/laptop online banking experience.

Does Columbia Bank Offer a Mobile Banking App?

Yes! Columbia Bank now offers free mobile banking apps for your iPad® or iPhone® and for your Android™ device.

Does Columbia Bank Offer Online Bill Pay Options?

Yes! Columbia Bank offers online bill pay as one of the many perks associated with our FREE online banking accounts.

Safety and Security

Are Columbia Bank's eBanking Services Safe?

Yes, online banking with Columbia Bank is guaranteed safe and secure when used correctly.

Columbia Bank's Debit Cards

Columbia Bank Debit Cards are FREE when used with your Yield Plus Columbia Bank Checking Account.

Opening An Account

Opening a new bank account with Columbia Bank is as easy as it gets, and just a few clicks away.

What's in an Acronym?

CD (Certificate of Deposit)

A certificate of deposit (CD) is issued by a bank to a person depositing money for a pre-specified length of time, generally used as a short-term to medium-term investment.

IRA (Individual Retirement Account)

An Individual Retirement Account (IRA) is a tool used to set aside assets and investments for retirement, where your assets can grow in the account tax-free.

HSA (Health Savings Account)

An HSA (health savings account) is a medical savings account available to taxpayers in the United States that allows participants to gain tax advantages while saving for future medical costs.

NSF (Non-Sufficient Funds)

"Non-sufficient funds" (NSF) is a term used by banks and financial organizations to signify that there are not enough funds in a bank account to honor an attempted transaction.

APY (Annual Percentage Yield)

Annual Percentage Yield (APY) is the compounded interest rate applied for an entire year to a deposit or investment.

APR (Annual Percentage Rate)

Annual Percentage Rate (APR) is the interest rate applied for an entire year to a loan, credit card bill, or other money borrowed by a consumer.

Financial Advice Throughout Life Stages

Kids' Savings Accounts

At Columbia Bank, we think it should be easy to make financial health a priority from the very beginning.

Buying Your First Car

Buying your very first car is an exciting milestone, but one that is often overshadowed by the stress of financing.

How to Buy Your First Home

Buying a home is easily one of the most significant moments in life. Whether or not your first home will be your last, the process of searching, choosing, and financing is exciting and important.

Financial Effect of Marriage

You've chosen the person you want to spend the rest of your life with, now for the life part. Getting married means a lot of changes.

The Financial Impact of Raising Children

Bringing a child into your life changes everything, including your finances. Paying hospital bills, the cost of adding another person to your household, and saving for college are all daunting prospects.