Investors Savings Bank

101 JFK Parkway
Short Hills, NJ 07078
800-252-8119
www.isbnj.com

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Investors Savings Bank strives to provide high-quality products and services in an honest and straightforward manner while operating responsibly and ethically, so that their clients, employees, stockholders and communities may prosper

2.00% 24-Month CD At Several Branches In NJ (Forum) - 6/7/2010

Investors Savings Bank's 2-year CD is fairly competitive with a 2.00% APY. Their other CD terms are a little low. Keep a look-out for new branches. They often have great new-branch specials. Branches are located throughout New Jersey. Its ratings

Another 2% Money Market Special & $200 Checking Bonus at Investors Savings Bank at Two NJ Branches - Local Only - 5/9/2010

Investors Savings Bank is having two more grand opening specials at two of its Newark, New Jersey branches. These appear to be very similar to the promotion I reported in April . This new promotion w ...

Grand Opening Special with 2% Money Market and $200 Checking Bonus at Investors Savings Bank in NJ - Local Only - 4/22/2010

Investors Savings Bank has two attractive new-account grand opening specials at two of its New Jersey branches. These are not listed at the bank's website. A reader emailed me news about these being ...

Investors Savings Bank In New Jersey Is Offering A $100 Bonus For Opening A Checking Account With (Forum) - 3/10/2010

Investors Savings Bank in New Jersey is offering a $100 bonus for opening a checking account with direct deposit. Must be new account and bonus is automatically credited in $25 increments at the end of each quarter, starting in the first quarter following

2009

2008

10/26 - 4.44% 4-Month CD and $100 Bonus at Investors Savings Bank in New Jersey

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See Rates for: Checking | Savings | Money Market | CD | IRA

Investors Savings Bank Checking Account Rates

Apy	Min	Max	Product
0.50%	$100k	-	High Yield Checking
0.40%	$1m	-	ISB Not-For-Profit Checking Account
0.15%	$2,500	-	Preferred Checking
0.15%	$2,500	-	Edge Checking
0.15%	$2,500	-	Edge 50 Checking

Investors Savings Bank Savings Account Rates

Apy	Min	Max	Product
0.50%	$5k	-	High Yield Savings Account
0.35%	-	-	Statement Savings Retirement Account
0.15%	$50	-	Passbook Account
0.15%	$50	-	Statement Savings Account

Investors Savings Bank Money Market Rates

Apy	Min	Max	Product
0.70%	$500k	-	Investors Edge Money Market Account
0.55%	$2m	-	Business Money Market Account
0.50%	$100k	-	Retirement Money Market Savings
0.50%	$25k	-	Preferred Money Market Account
0.25%	$2,500	-	Investors Money Market Account
0.25%	$2,500	-	Fifty & Free Money Market Account

Investors Savings Bank CD Rates

Apy	Min	Max	Product
2.00%	$500	-	5 Year CD
2.00%	$500	-	10 Year CD
1.45%	$500	-	4 Year CD
1.25%	$500	-	36 Month CD
1.25%	$500	-	42 Month CD
1.00%	$500	-	24 Month CD
1.00%	$500	-	24 Month Step-Up CD
1.00%	$500	-	25 Month CD
1.00%	$500	-	30 Month CD
0.75%	$500	-	18 Month CD
0.55%	$500	-	12 Month CD
0.55%	$500	-	13 Month CD
0.55%	$500	-	14 Month CD
0.55%	$500	-	15 Month CD
0.55%	$500	-	15 Month Step-Up CD
0.50%	$500	-	8 Month CD
0.50%	$500	-	9 Month CD
0.50%	$500	-	10 Month CD
0.35%	$500	-	91 Day CD
0.35%	$500	-	4 Month CD
0.35%	$500	-	5 Month CD
0.35%	$500	-	6 Month CD
0.35%	$500	-	7 Month CD
0.30%	$10k	-	91 Day Liquid CD
0.30%	$10k	-	6 Month Liquid CD

Investors Savings Bank IRA Rates

Apy	Min	Max	Product
2.00%	$500	-	5 Year IRA
2.00%	$500	-	10 Year IRA
2.00%	$500	-	5 Year Roth IRA
2.00%	$500	-	10 Year Roth IRA
1.45%	$500	-	4 Year IRA
1.45%	$500	-	4 Year Roth IRA
1.25%	$500	-	36 Month IRA
1.25%	$500	-	42 Month IRA
1.25%	$500	-	36 Month Roth IRA
1.25%	$500	-	42 Month Roth IRA
1.00%	$500	-	24 Month IRA
1.00%	$500	-	24 Month Step-Up IRA
1.00%	$500	-	25 Month IRA
1.00%	$500	-	30 Month IRA
1.00%	-	-	30 Month Variable IRA
1.00%	$500	-	24 Month Roth IRA
1.00%	$500	-	24 Month Step-Up Roth IRA
1.00%	$500	-	25 Month Roth IRA
1.00%	$500	-	30 Month Roth IRA
1.00%	-	-	30 Month Variable Roth IRA
0.75%	$500	-	18 Month IRA
0.75%	$500	-	18 Month Roth IRA
0.55%	$500	-	12 Month IRA
0.55%	$500	-	13 Month IRA
0.55%	$500	-	14 Month IRA
0.55%	$500	-	15 Month IRA
0.55%	$500	-	15 Month Step-Up IRA
0.55%	$500	-	12 Month Roth IRA
0.55%	$500	-	13 Month Roth IRA
0.55%	$500	-	14 Month Roth IRA
0.55%	$500	-	15 Month Roth IRA
0.55%	$500	-	15 Month Step-Up Roth IRA
0.50%	$500	-	8 Month IRA
0.50%	$500	-	9 Month IRA
0.50%	$500	-	10 Month IRA
0.50%	$500	-	8 Month Roth IRA
0.50%	$500	-	9 Month Roth IRA
0.50%	$500	-	10 Month Roth IRA
0.35%	$500	-	4 Month IRA
0.35%	$500	-	5 Month IRA
0.35%	$500	-	6 Month IRA
0.35%	$500	-	7 Month IRA
0.35%	$500	-	4 Month Roth IRA
0.35%	$500	-	5 Month Roth IRA
0.35%	$500	-	6 Month Roth IRA
0.35%	$500	-	7 Month Roth IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

Investors Bank
FDIC Certificate #	28892
BankRate Report	View
Year Established	1926
Employees	915
Primary Regulator	FDIC
Assets and Liabilities
Assets	$10.50 billion
Loans	$8.80 billion
Deposits	$7.27 billion
Equity Capital	$872.95 million
Loan Loss Allowance	$116.49 million
Unbacked Noncurrent Loans	$159.15 million
Real Estate Owned	$225,000
Historic Data - September 2010
Assets	$8.93 billion
Equity Capital	$817.90 million
Loan Loss Allowance	$84.61 million
Unbacked Noncurrent Loans	$141.66 million
Real Estate Owned	$751,000
Profit Margin - Quarterly
Net Interest Margin	3.43%
Return on Assets	0.77%
Return on Equity	9.08%
Interest Income	$353.89 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Investors Savings Bank had $159.38 million in non-current loans and owned real-estate with $989.44 million in equity and loan loss allowances on hand to cover it. This gives Investors Savings Bank a Texas Ratio of 16.11% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Investors Savings Bank held steady from 15.82% as of September 30, 2010 to 16.11% as of September 30, 2011, resulting in a negative change of 1.82%. This indicates that the balance sheet and financial strength for Investors Savings Bank has held steady in recent periods.
Deposit Growth
In the past year, Investors Savings Bank has increased its total deposits by $1.11 billion, resulting in 18.1% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Investors Savings Bank has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Investors Savings Bank has $10.5 billion in assets with $989.44 million in equity, resulting in a capitalization level of 9.43%, which is average.