Our Rates

APY = Annual Percentage Yield. Fees may reduce earnings.

All product rates are effective as of 06/02/2014, except for Featured Mortgage Rates which are updated daily during business hours.

Deposit Accounts

Total Access Checking

BalanceMinimum Opening DepositMinimum Balance to Obtain APYRateAPY
Balances up to $24,999.99$100.00$0.011.00%1.00%
Balances over $25,000$100.00$25,0000.10%0.10%
All balances if qualifications not met$100.00$0.010.02%0.02%
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Qualifications

To earn the 1.00% APY bonus rate, here's all you need to do every qualification cycle (see table for cycle periods):

  • Have at least 12 CSB debit card purchases post and clear to your personal checking account
  • Have at least one direct deposit or automated clearing house (ACH) debit transaction post and clear to your personal checking account
  • Register for online banking
  • Enroll and receive account statements electronically (e-statements)

Rate is variable and can change after the account is opened.

Preferred Checking

BalanceMinimum Opening DepositMinimum Balance to Obtain APYRateAPY
$10.00 - $24,999.99$100.00$10.000.02%0.02%
$25,000 - $49,999.99$100.00$25,0000.05%0.05%
$50,000+$100.00$50,0000.10%0.10%
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All CSB interest-bearing checking accounts pay interest based on your daily collected balance, compounded daily and paid monthly.

For more information on our personal banking rates and services, please refer to our current Schedule of Fees and Truth-In-Savings Disclosure.

Rate is variable and can change after the account is opened.

Checking & Savings

ProductMinimum Opening BalanceMinimum Balance to Obtain APYRateAPY
Passbook & Statement Savings$10.00$10.000.05%0.05%
Save 4 Club Account$10.00$10.000.05%0.05%
IRA Statement Savings$10.00$10.000.05%0.05%
Dividend Checking

(no longer offered)

$100.00$10.000.02%0.02%

All CSB interest-bearing checking accounts pay interest based on your daily collected balance, compounded daily and paid monthly.

For more information on our personal banking rates and services, please refer to our current Schedule of Fees and Truth-In-Savings Disclosure.

Rate is variable and can change after the account is opened.

CD/IRA (earn additional 0.25% APY++)

TermMinimum Opening DepositMinimum Balance to Obtain APYRateAPY
3 - 5 Month (Regular CD only)$500.00$10.000.25%0.25%
6 - 11 Month$500.00$10.000.30%0.30%
12 - 17 Month$500.00$10.000.50%0.50%
12 - 17 Month Promo$500.00$10.000.75%0.75% ++
18 - 23 Month$500.00$10.000.55%0.55%
18 - 23 Month Promo$500.00$10.000.80%0.80% ++
24 - 35 Month$500.00$10.000.75%0.75%
24 - 35 Month Promo$500.00$10.001.00%1.01% ++
36 - 47 Month$500.00$10.001.14%1.15%
36 - 47 Month Promo$500.00$10.001.39%1.40% ++
48 - 59 Month$500.00$10.001.54%1.55%
48 - 59 Month Promo$500.00$10.001.78%1.80% ++
60 Month$500.00$10.001.69%1.70%
60 Month Promo$500.00$10.001.93%1.95% ++
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All personal banking rates are subject to change without notice. Early withdrawal penalties will be imposed. The Annual Percentage Yield assumes principal and interest would remain on deposit for at least one year. A withdrawal will reduce earnings. Fees could reduce earnings on these personal banking accounts. Fixed Rate Certificate of Deposit rates are guaranteed for the length of the term. Please refer to our current Schedule of Fees and Truth-In-Savings Disclosure.

++ APY (Annual Percentage Yield) is for consumer promotional rate CD/IRA. The APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Term must be 12 months or greater. Minimum deposit of $500 required to open CD/IRA and receive the additional 0.25% APY for this promotion. A consumer checking account (excluding money market checking) with a recurring direct deposit is required to receive the promotional APY. Customers need to set up a recurring direct deposit to a checking account within 45 calendar days of opening CD/IRA. If you do not meet these requirements, your account will earn the non-promotional APY in effect at the time of opening. At maturity, the CD/IRA will revert to the non-promotional APY at that time. Early withdrawal penalties may apply. Checking fees may apply. Fees may reduce earnings. Offer may be withdrawn at anytime. Not to be combined with any additional promotional offer. Maximum $500,000 per account holder. For more information, please call 888-744-4272(4CSB).

Money Market

BalanceMinimum Opening DepositMinimum Balance to Obtain APYRateAPY
$10.00 - $9,999.99$500.00$10.000.02%0.02%
$10,000 - $49,999.99$500.00$10,0000.10%0.10%
$50,000 - $99,999.99$500.00$50,0000.20%0.20%
$100,000+$500.00$100,0000.30%0.30%
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Variable rate product; rates are subject to change at any time after opening. Fees could reduce earnings on these accounts. Please refer to our current Schedule of Fees and Truth-In-Savings Disclosure.

Loans

Auto Loans

Credit ScoreTermAPRTerms of Repayment per $1000
P paper (730+)24 Months1.99%$42.54
36 Months1.99%$28.64
48 Months1.99%$21.69
60 Months1.99%$17.52
72 Months3.49%$15.41
A Paper (700 - 729)24 Months2.99%$42.98
36 Months2.99%$29.08
48 Months2.99%$22.13
60 Months3.49%$18.19
72 Months4.49%$15.87
B Paper (675 - 699)24 Months4.99%$43.87
36 Months4.99%$29.97
48 Months4.99%$23.02
60 Months5.49%$19.10
72 Months6.49%$16.81
C Paper (660 - 674)24 Months6.99%$44.77
36 Months6.99%$30.87
48 Months6.99%$23.94
60 Months7.49%$20.03
72 Months8.49%$17.77
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Basic underwriting guidelines apply. 80% LTV, 100% LTV if CSB mortgage holder in good standing.

All rates are subject to change without notice.

APR = Annual Percentage Rate. Some restrictions may apply. Eligibility is determined by your personal credit history and income. Approved amounts may vary and are subject to credit approval. Rate is good on new autos and used autos, year 2009 or newer. Monthly payments are based on 1.99% APR for 60 months; payment per month for $25,000 borrowed is $438.09. APR may vary based on final loan amount, loan term, payment method, account relationship and credit history. A VSI and re-title fee will apply and will increase the APR. A $50 application fee will apply for any vehicle loan financed with CSB within the last 6 months. Offer may be withdrawn at any time.

Other Motor Vehicles

TypeTermAPRTerms of Repayment per $1000Maximum Loan Amount
New Motorcycle136 Months8.375%^$31.51$20,000
New Recreational Vehicle248 Months7.250%^$24.06$75,000
Used Recreational Vehicle348 Months7.750%^$24.30$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.

1 70% financing; 100% financing available for Clinton Savings Bank mortgage holders.

2 New - 80% financing, maximum term 120 months, rate may fluctuate based on term of loan.

3 Used - 70% financing, maximum term 60 months, rate may fluctuate based on term of loan.

Personal Loans

TypeTermAPRTerms of Repayment per $1000Maximum Loan Amount
Unsecured36 Months13.500%$33.94$15,000
Secured36 Months7.500%^$31.11$15,000
48 Months8.000%^$24.41$15,000
Moneyline Line of Creditn/a15.000%$25.00$5,000
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^ Annual Percentage Rate (APR) reflects .50% discount for automatic payment from a CSB Checking or Savings Account for the full term of the loan.

Home Equity

TypeTermAPRTerms of Repayment per $1000Maximum Loan Amount
Equity Line of Credit412 Months1.99% (Intro)$1.64$250,000
228 Months4.00% (after Intro period)$3.29$250,000
Real Estate Secured (Fixed Home Equity Loan)60 Months3.990%^$18.41$250,000
120 Months4.250%^$10.24$250,000
180 Months4.750%^$7.78$250,000
240 Months5.250%^$6.74$250,000
Equity Line of Credit Insured 100% LTV5240 Months5.250%$6.70$250,000
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^ 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.

4 Home Equity Line of Credit Introductory APR of 1.99% good for first 12 months upon opening. Thereafter, the rate, including the rate on any existing account balance, will convert to the applicable variable rate. Equity Lines of Credit are variable rates subject to increase after consummation, adjusting monthly to the Wall Street Journal (WSJ) Prime Rate minus .25% with a maximum APR rate of 18.00% with a floor of 4.00%. WSJ Prime Rate currently 3.25% as of 5/1/14. An early termination fee applies for equity lines of credit closed within 24 months of opening the line of credit.



Terms and Conditions (applicable to real estate loans and lines of credit)

1-4 Family/Owner Occupied Property Only. Property home owners insurance is required. Not available for homes currently for sale or intended to be sold within 6 months of closing.

Maximum Loan to Value:

80% CSB Mortgage holder (appraisal may be required)

70% Non-CSB Mortgage holder (lesser of real estate tax bill or collateral assessment; appraisal may be required)

Condominiums must be Fannie Mae approved.

Appraisal may be required at applicants' expense. Fees for opening the account range from $0 to $700. Call or stop by for details. Property Insurance is Required.

5 Terms and Conditions (applicable to real estate loans and lines of credit)

Single Family Detached and Condominiums/Owner Occupied Properties Only. Property home owners insurance is required. Not available for homes currently for sale or intended to be sold within 6 months of closing. Insured Loans must be in no more than second lien position. Insured loans will be approved by DGU Insurance Associates and MUST meet their underwriting guidelines. Rate may increase after consummation, adjusting monthly to the Wall Street Journal (WSJ) Prime Rate plus 2.00% with a maximum APR rate of 18.00% with a floor of 5.25%. WSJ Prime Rate currently 3.25% as of 5/1/14. An early termination fee applies for equity lines of credit closed within 24 months of opening the line of credit.

Maximum Loan to Value: 100%

Condominiums must be Fannie Mae approved.

Full Appraisal is required at applicants' expense for Insured 100% product. Fees for opening the account range from $0 to $700. Call Loan Department or stop by for details. Property Insurance is Required.