Below are Clinton Savings Bank's current loan rates in Massachusetts. Please contact us for more information about specific loan packages.
Loan Rates - Mortgage Loans
| Product | Rate | Points | Annual Percentage Rate | Terms of Repayment / $1000 | Loan Amount |
| 30-year Fixed Jumbo Mortgage | 4.875% | 0 | 4.88%* | $5.30 | $500,000 |
| JUMBO 5/1 ARM | 3.49% | 0 | 3.37%** | see below | $500,000 |
| 1st-time home 5/1 ARM No points/No Closing costs | 4.49% | 0 | 3.70%*** | see disclosure below | $200,000 |
| 1st-time home 5/1 ARM | 3.49% | 3.37%**** | see disclosure below | $200,000 | |
| 1st-time homebuyer 5/1 ARM No PMI | 4.99% | 3.84%***** | see disclosure below | $200,000 |
*Annual Percentage Rate (APR) as of August 15, 2011 is 4.88% APR. The information provided assumes the purpose of the loan is to purchase a single-family, owner-occupied primary residence with 20% down. A $500,000 30-year term with an interest rate of 4.875% is repayable in 360 monthly installments of $2,646.04 (P&I). Payments do not include tax or insurance. Consult your tax advisor for information regarding the deductibility of interest and charges. Please note the actual interest rate and fees available to you will be based on your credit history and loan to value ratios and may be different than the rate displayed here.
**For example, the information provided for this 30-year fixed rate mortgage assumes the purpose of the loan is to finance a single-family owner-occupied primary residence with 20% down. At a 4.391% APR, the monthly payment schedule based on a loan amount of $250,000.00 would be: 360 payments of $1,248.21 (P&I) at an interest rate of 4.375%. Payments do not include taxes or insurance. Consult your tax advisor for information regarding the deductibility of interest and charges. Please note the actual interest rate and fees available to you will be based on your credit history and loan to value ratio and may be different than the rate displayed here. The $1,000.00 off closing costs does not apply to no point, no closing costs programs, and does not include owners title insurance, escrows, and pre-paid interest. Offer valid on applications received from August 14 – October 8, 2011. Minimum loan amount of $100,000 is required. New mortgage customers only. Offer cannot be used in conjunction with any other mortgage promotion.
**The information provided for this 5/1 ARM assumes the purpose of the loan is to purchase a single family owner occupied primary residence with 20% down. At a 3.49% initial interest rate,the APR for this loan type is 3.37%, subject to increase based on current market conditions. The monthly payment schedule based on a loan amount of $500,000.00 would be: 60 payments of $2,242.43 (P&I) at an interest rate of 3.49%, 12 payments of $2,750.94 (P&I) at an interest rate of 5.49% and 288 payments of $3,293.93 (P&I).at an interest rate of 7.49%. Payments do not include tax or insurance. Consult your tax advisor for information regarding the deductibility of interest and charges. Please note the actual interest rate and fees available to you will be based on your credit history and loan to value ratio and may be different than the rate displayed here.
***The information provided for this First Time Home buyer 5/1 ARM No Points No Closing Costs assumes the purpose of the loan is to purchase a single family owner occupied primary residence for a first time home buyer with 20% down. At a 4.49% initial interest rate, the APR for this loan type is 3.66%, subject to increase based on current market conditions, the monthly payment schedule based on a loan amount of $200,000.00 would be: 60 payments of $1,012.18 (P&I) at an interest rate of 4.49%, 12 payments of $1,229.68 (P&I) at an interest rate of 6.49% and 288 payments of $1,460.03 (P&I) at an interest rate of 8.49%. Payments do not include taxes or insurance. Consult your tax advisor for information regarding the deductibility of interest and charges. Interest and escrows paid by borrower at the time of closing. Property Insurance is required. Please note the actual interest rate and fees available to you will be based on your credit history and loan to value ratio and may be different than the rate displayed here.
****The information provided for this First Time Home buyer 5/1 ARM assumes the purpose of the loan is to purchase a single family owner occupied primary residence for a first time home buyer with 20% down. At a 3.49% initial interest rate, the APR for this loan type is 3.30%, subject to increase based on current market conditions, the monthly payment schedule based on a loan amount of $200,000.00 would be: 60 payments of $896.97 (P&I) at an interest rate of 3.49%, 12 payments of $1,100.37 (P&I) at an interest rate of 5.49% and 288 payments of $1,317.57 (P&I) at an interest rate of 7.49%. Payments do not include taxes or insurance. Consult your tax advisor for information regarding the deductibility of interest and charges. Interest and escrows paid by borrower at the time of closing. Property Insurance is required. Please note the actual interest rate and fees available to you will be based on your credit history and loan to value ratio and may be different than the rate displayed here.
*****The information provided for this First Time Home buyer 5/1 ARM No PMI assumes the purpose of the loan is to purchase a single family owner occupied primary residence for a first time home buyer with 20% down. At a 4.99% initial interest rate, the APR for this loan type is 3.85%, subject to increase based on current market conditions, the monthly payment schedule based on a loan amount of $200,000.00 would be: 60 payments of $1,072.42 (P&I) at an interest rate of 4.99%, 12 payments of $1,296.69 (P&I) at an interest rate of 6.99% and 288 payments of $1,533.31 (P&I) at an interest rate of 8.99%. Payments do not include taxes or insurance. Consult your tax advisor for information regarding the deductibility of interest and charges. Interest and escrows paid by borrower at the time of closing. Property Insurance is required. Please note the actual interest rate and fees available to you will be based on your credit history and loan to value ratio and may be different than the rate displayed here.
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Loan Rates - Automobile Loans
Special: Credit Score Based Rates
New/Used Auto - 2005 and up
Effective SEPTEMBER 2, 2011
| TERMS | 24 Months | 36 Months | 48 Months | 60 Months | 72 Months |
| P paper (730+ credit score) | Annual Percentage Rate (APR)* | 1.99% | 1.99% | 1.99% | 2.49% | 3.49% |
| Terms of Repayment/$1,000 | $ 42.54 | $ 28.64 | $ 21.69 | $ 17.74 | $ 15.41 | |
| A paper (700 - 729) | Annual Percentage Rate (APR)* | 2.99% | 2.99% | 2.99% | 3.49% | 4.49% |
| Terms of Repayment/$1,000 | $ 42.98 | $ 29.08 | $ 22.13 | $ 18.19 | $ 15.87 | |
| B paper (675 - 699) | Annual Percentage Rate (APR)* | 4.99% | 4.99% | 4.99% | 5.49% | 6.49% |
| Terms of Repayment/$1,000 | $ 43.87 | $ 29.97 | $ 23.02 | $ 19.10 | $ 16.18 | |
| C paper (660 - 674) | Annual Percentage Rate (APR)* | 6.99% | 6.99% | 6.99% | 7.49% | 8.49% |
| Terms of Repayment/$1,000 | $ 44.77 | $ 30.87 | $ 23.94 | $ 20.03 | $ 17.77 | |
| Basic underwriting guidelines apply. 80%LTV, 100% LTV if CSB mortgage holder in good standing | ||||||
All rates are subject to change without notice.
*Annual Percentage Rate (APR) reflects .50% discount for automatic payment from a CSB Checking or Savings Account for the full term of the loan.
Loan Rates - Motorcycle
Effective June 1, 2011
All rates are subject to change without notice.
| Product | Annual Percentage Rate | Term | Terms of Repayment/$1,000 | Loan Amount |
| New | 8.375%* | 36 | $31.51 | $20,000 |
*Annual Percentage Rate (APR) reflects .50% discount for automatic payment from a CSB Checking or Savings Account for the full term of the loan.
70% financing; 100% financing available for Clinton Savings Bank mortgage holders.
Loan Rates - Recreational Vehicles
Effective June 1, 2011
All rates are subject to change without notice.
| Product | Annual Percentage Rate | Term | Terms of Repayment/$1,000 | Loan Amount |
| New | 7.250%* | 48 | $24.06 | $75,000 |
| Used | 8.250%* | 48 | $24.53 | $75,000 |
*Annual Percentage Rate (APR) reflects .50% discount for automatic payment from a CSB Checking or Savings Account for the full term of the loan.
New - 80% financing, maximum term 120 months, rate may fluctuate based on term of loan.
Used - 70% financing, maximum term 60 months, rate may fluctuate based on term of loan.
Loan Rates - Personal Loans
Effective June 1,2011
All rates are subject to change without notice.
| Product | Annual Percentage Rate | Term | Terms of Repayment/$1,000 | Loan Amount |
| Unsecured | 13.500% | 36 | $33.94 | $15,000 |
| Secured | 7.500%* | 36 | $31.11 | $15,000 |
*Annual Percentage Rate (APR) reflects .50% discount for automatic payment from a CSB Checking or Savings Account for the full term of the loan.
Loan Rates - Equity Lines & Loans
Effective June 13, 2011
All rates are subject to change without notice.
| Product | Annual Percentage Rate | Term | Terms of Repayment/$1,000 | Loan Amount |
| Equity Line of Credit** | WSJ Prime Rate -.25%, Floating | 240 | $6.59 | $250,000 |
| Real Estate Secured*** (Fixed Home Equity Loan) | 5.250%* | 60 | 60 @ $18.99 | $250,000 |
| 5.250%* | 120 | 120 @ $10.73 | $250,000 | |
| 5.750%* | 180 | 180 @ $8.30 | $250,000 | |
| 6.250%* | 240 | 240 @ $7.31 | $250,000 |
*Annual Percentage Rate (APR) reflects .50% discount for automatic payment from a CSB Checking or Savings Account for the full term of the loan. Discount available if first mortgage is currently held by Clinton Savings Bank.
**Line of Credit - Payment amount based on principal and interest payments on a qualified line secured by a property with a maximum loan to value of 80% of appraised value at the minimum (floor) rate of 4.98% APR. 75% max LTV for non CSB mortgage holders. Variable rate based on the Prime Rate listed in The Wall Street Journal as published on the first business day of each month minus .25% and may vary monthly. As of July 1, 2009, the Prime Rate is 3.25%. APR will not exceed 18.00% and will not go below the floor rate of 4.98%. An early termination fee will apply if the line is closed within the first 24 months. Minimum line amount is $5,000.00.
***Real Estate Secured - Payment amount based on a qualified loan secured by a property with a maximum loan to value of 80% of appraised value 75% max LTV for non CSB mortgage holders, minimum loan amount is $5,000.00.
Offers available for 1-4 family owner occupied residences only. A Home Appraisal Report may be required with fees ranging from $300 to $500. A security interest in your home must be given. Hazard insurance is required. See a tax professional regarding deductibility of interest.
Loan Rates - Moneylines
Effective June 1, 2011
All rates are subject to change without notice.
| Product | Annual Percentage Rate | Term | Terms of Repayment/$1,000 | Loan Amount |
| Moneyline | 15.000% | NA | $25.00 | $5,000 |
Line of Credit - available cash whenever you may need it.
Discounted rate for Preferred Checking Account customers.
Inquire for more details.
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