At This Rate, Imagine What’s Possible.
Kick off your big plans with our Home Equity Line
of Credit and a special fixed rate for the first year.
Perfect for debt consolidation, big purchases, dream
vacations and more! Apply online or schedule a time
to apply at your local branch.
www.ridgewoodbank.com | (866) 772-4111
SHINY TEETH OF QUEENS
Children aged 2-17 are eligible to receive free
dental hygiene services through August 11th
TIMESLEDGER | Q 20 NS.COM | AUG. 6-12, 2021
1 1.99% APR (annual percentage rate) for the first year if you draw 10% or more of the loan at closing, or 2.24% APR for the first
year if you draw less than 10% of the loan at closing, followed by a variable APR as low as Prime Rate. The introductory APR
is fixed for one year (twelve months). After the first year, the APR is determined by Combined Loan to Value (CLTV) ratio. If
CLTV is 65% or less, the rate is prime for a primary or vacation home, prime plus 0.25% for an investment property. If CLTV is
greater than 65%, the rate is prime plus 0.25%. All rates can change monthly. The maximum APR is 10.99%.
2 The Prime APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable).
The minimum floor APR is 3.25%. If CLTV is 65% or less, the rate is prime for a primary or vacation home, prime plus 0.25%
for an investment property. HELOCs are variable rate products and rates may not exceed the maximum APR of 10.99%.
The Prime Rate as of 6/01/2021 = 3.25%. Loan products and services subject to credit approval. All loans secured by a
mortgage/lien on the property. Rates and terms are subject to change without notice. Rates are effective as of 6/01/2021.
Equal Housing Lender. Member FDIC. © 2021 Ridgewood Savings Bank
1.99% APR1 for the first year
if you draw 10% or more of
the loan at closing
3.25% APR2 Prime
for life, thereafter
2.24% APR1 for the first year
if you draw less than 10%
of the loan at closing
3.50% APR2 Prime for life,
thereafter on loans with
a CLTV greater than 65%
OR
Hosted by Plaza College's Community Dental Clinic
SERVICES PROVIDED IN A SAFE ENVIRONMENT WITH ENHANCED PPE AND SAFETY PROTOCOLS.
ALL PATIENTS RECEIVE A GOODY BAG AND CERTIFICATE OF PARTICIPATION. SCHOOL DENTAL FORMS COMPLETED, IF NEEDED.
PLAZA COLLEGE COMMUNITY DENTAL CLINIC
118-35 QUEENS BLVD., 3RD FL.
FOREST HILLS, NY 11375
(718) 779-1432
APPOINTMENTS REQUIRED.
Call or email plazadental@plazacollege.edu for a list of
services and to schedule an appointment.
/www.ridgewoodbank.com
link
/www.ridgewoodbank.com
/NS.COM
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