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APY = Annual Percentage Yield.   APR = Annual Percentage Rate.   Fees may reduce earnings.

For CSB interest-bearing checking accounts, interest is based on your daily average 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.

All product rates are effective as of November 18th, 2018 except for Featured Mortgage Rates, which are updated daily during business hours.


Consumer Deposit Rates

Total Access Checking AccountLearn More

Tier Minimum Balance to Obtain APY* Rate APY*
$0.00 - $24,999.99 $0.00 1.24% 1.25%
$25,000 and over $25,000 0.10% 0.10%
All balances if qualifications not met $0.00 0.02% 0.02%

 

*Minimum deposit of $10 required to open the account. Available to Personal Accounts only. Current rate effective 3/5/18. The 1.25% Annual Percentage Yield (APY) is paid on balances between $0.00 and $24,999.99, and .10% APY paid on all amounts $25,000 and above each qualification cycle the minimum requirements (12 CSB Debit Card Purchases, one Direct Deposit or ACH auto debit, receive account statements electronically (eStatements), log in to CSB Online Banking) are met. We may change the interest rate and APY at any time after the account is opened. Balances calculated using the Daily Balance method and interest is based on your daily average balance, compounded daily and paid monthly. No minimum balance required to maintain the account. No monthly maintenance service charge. The qualification cycle used to determine if the account requirements have been met is the first day of the current statement month through the close of the current statement month; if you do not meet the requirements for three consecutive statement cycles, the bank reserves the right to convert your account to a Basic Checking account, subject to that account's associated restrictions and fees (see Basic Checking account details and Fee Schedule). Debit card purchases and ACH transactions must post and clear to your account during the qualification cycle. If you do not meet the requirements per cycle, your account will still function as a free checking account earning 0.02% APY however, it will not receive a refund of ATM fees charged by others during that time period. ATM fee refunds of up to a maximum of $12 per qualification cycle if all qualifications are met. Fees may reduce earnings.

Preferred Checking AccountLearn More

Tier Minimum Balance to Obtain APY* Rate APY*
$10.00 - $24,999.99 $10.00 0.02% 0.02%
$25,000 - $49,999.99 $25,000 0.05% 0.05%
>$50,000 $50,000 0.10% 0.10%

 

*Annual Percentage Yield (APY) of .02% is paid on balances between $10.00 and $24,999.99, and .05% APY paid on all amounts between $25,000 and $49,999.99, and .10% APY is paid on all amounts $50,000 or greater. Minimum deposit of $100 required to open the Preferred Checking Account. Current rate is effective 6/8/18. We may change the interest rate and APY at any time after the account is opened. Balances calculated using the Daily Balance method and interest is based on your daily average balance, compounded daily and paid monthly. $10 minimum balance in the account is needed each day to obtain APY. Fees may reduce earnings. A $15 monthly maintenance service charge (see Schedule of Fees) will be imposed every statement cycle if the sum of the daily balances in combined accounts falls below $15,000 on any day of the statement cycle. Accounts must be for the same tax reported owner. Preferred checking cannot be combined with commercial, business, or Get Real accounts. If any of your loan accounts become 90 days delinquent the loan balance cannot be included in your combined balance. The loan balance may not be included for up to six months after loan(s) become current.

Other Checking & Savings Products

Account Minimum Balance to Obtain APY* Rate APY*
Passbook Savings Account & Statement Savings Account $10 0.05% 0.05%
"Save 4" Savings Account $10 0.05% 0.05%
Statement Savings IRA Account $10 0.05% 0.05%
18/65 Checking Account $10 0.02% 0.02%
Get Real Checking Account $10 0.02% 0.02%
Get Real Statement Savings Account $10 0.05% 0.05%
18/65 Statement Savings Account $10 0.05% 0.05%

*Minimum deposit of $10 required to open the account. Must maintain a minimum of $10 in the account each day to obtain disclosed Annual Percentage Yield. Rate is variable and can change after the account is opened.

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

Term Minimum Balance to Obtain APY* Rate APY*
3 - 5 Month (Regular CD Only) $10 0.81% 0.81%
6 - 11 Month Regular/IRA $10 0.91% 0.91%
12 - 17 Month Regular/IRA $10 1.39% 1.40%
12 - 17 Month (Promo) $10 1.64% 1.65%++
18 - 23 Month Regular/IRA $10 1.54% 1.55%
18 - 23 Month (Promo) $10  1.78% 1.80%++
24 - 35 Month Regular/IRA $10 1.64% 1.65%
24 - 35 Month (Promo) $10 1.88% 1.90%++
36 - 47 Month Regular/IRA $10 1.73% 1.75%
36 - 47 Month (Promo) $10  1.98% 2.00%++
48 - 59 Month Regular/IRA $10  1.93% 1.95%
48 - 59 Month (Promo) $10  2.18% 2.20%++
60 Month Regular/IRA $10  2.13% 2.15%
60 Month (Promo) $10  2.37% 2.40%++

 

*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 for Term Accounts Disclosure. Minimum deposit of $500 required to open the account.

++ 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. 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).

Tiered Money Market AccountLearn More

Tier Minimum Balance to Obtain APY* Rate APY*
$10.00 - $9,999.99 $10 0.10% 0.10%
$10,000 - $49,999.99 $10,000 0.30% 0.30%
$50,000 - $99,999.99 $50,000 0.40% 0.40%
$100,000+ $100,000 0.50% 0.50%

 

*Minimum deposit of $500 required to open the account.  Must maintain the minimum balance each day that is required in each tier to obtain the disclosed Annual Percentage Yield.  Rate is variable and can change after the account is opened.

Consumer Loan Rates

Auto LoansLearn More

Antique, Classic and Specialty Auto Loans are also available; please call us for details.

Credit Score Term APR* Terms of Repayment per $1,000
730+ 24 Months 2.99%^ $42.98
730+ 36 Months 2.99%^ $29.08
730+ 48 Months 2.99%^ $22.13
730+ 60 Months 2.99%^ $17.96
730+ 72 Months 3.99%^ $15.64
680 - 729 24 Months 3.49%^ $43.20
680 - 729 36 Months 3.49%^ $29.30
680 - 729 48 Months 3.49%^ $22.35
680 - 729 60 Months 3.49%^ $18.19
680 - 729 72 Months 4.49%^ $15.87
661 - 679 24 Months 7.99%^ $45.22
661 - 679 36 Months 7.99%^ $31.33 
661 - 679 48 Months 7.99%^ $24.41 
661 - 679 60 Months 8.49%^ $20.51
661 - 679 72 Months 9.49%^ $18.27

Basic underwriting guidelines apply. 80% LTV, 100% LTV if CSB mortgage holder in good standing.

*APR = Annual Percentage Rate. Loan rates are subject to change at any time without notice. Some restrictions may apply. Rate is determined by your personal credit history, income, and loan term. Other rates, terms, and conditions may apply. All loan requests are subject to Clinton Savings Bank underwriting criteria. A $65.00 VSI fee will apply. A re-title fee may apply and will increase the APR.

^Annual Percentage Rate (APR) reflects .50% discount for automatic payment from a CSB Checking or Savings Account for the full term of the loan.

Apply for an Auto Loan Now

Other Motor VehiclesLearn More

Type Term APR* Terms of Repayment per $1,000 Maximum Loan Amount
New Motorcycle1 36 Months 8.375%^ $31.51 $20,000
New Recreational Vehicle2 48 Months 7.250%^ $24.06 $75,000
Used Recreational Vehicle3 48 Months 8.250%^ $24.53 $75,000

*APR = Annual Percentage Rate. Loan rates are subject to change at any time without notice. Some restrictions may apply. Rate is determined by your personal credit history, income, and loan term. Other rates, terms, and conditions may apply. All loan requests are subject to Clinton Savings Bank underwriting criteria. A $65.00 VSI fee will apply. A re-title fee may apply and will increase the APR.

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.

^Annual Percentage Rate (APR) reflects .50% discount for automatic payment from a CSB Checking or Savings Account for the full term of the loan.

Personal LoansLearn More

Type Term APR* Terms of Repayment per $1,000 Maximum Loan Amount
Unsecured 36 Months 13.50% $33.94 $15,000
Secured 36 Months 7.50%^ $31.11 $15,000
Secured 48 Months 8.00%^ $24.41 $15,000

 

*APR = Annual Percentage Rate. Loan rates are subject to change at any time without notice. Some restrictions may apply. Eligibility is determined by your personal credit history and income. Other rates, terms, and conditions may apply. All loan requests are subject to Clinton Savings Bank underwriting criteria.

^Annual Percentage Rate (APR) reflects .50% discount for automatic payment from a CSB Checking or Savings Account for the full term of the loan.

Solar LoansLearn More

Term APR* Terms of Repayment per $1,000 Maximum Loan Amount
12 Months 6.50% (Interest Only) $5.34 $35,000
120 Months 6.50% (Project Completion) $11.35 $35,000

*APR = Annual Percentage Rate. Minimum loan amount $3,000.00. Maximum loan amount $35,000.00. Up to 12 months interest only payments during construction period. Up to 120 months principal and interest payments following the construction period. A $55.00 UCC-1 filing fee will apply. All loans subject to meeting Mass Solar Loan Program guidelines. Homes must have had a residential energy audit within the past five years or have one scheduled at the time of loan closing. Financing available on primary residences located in Berlin, Bolton, Boylston, Clinton, Harvard, Holden, Lancaster, Leominster, Northboro, Princeton, Shrewsbury, Sterling, and West Boylston. Financing is subject to credit approval. Additional terms and conditions may apply.

Home EquityLearn More

Type Term APR* Terms of Repayment per $1,000
Equity Line of Credit1 6 Months (interest only) 1.99% (draw period intro) $1.64
Equity Line of Credit1 114 Months (interest only) 5.00% (draw after intro) $4.11
Equity Line of Credit1 120 Months (principal & interest) 5.00% (repayment period) $12.44
Equity Line of Credit Insured 100% LTV2 120 Months (interest only) 7.25% (draw period) $5.96
Equity Line of Credit Insured 100% LTV2 120 Months (principal & interest) 7.25% (repayment period) $14.29
Real Estate Secured (Fixed Home Equity Loan)3 Up to 60 Months 4.250% $18.53
Real Estate Secured (Fixed Home Equity Loan)3 61 - 120 Months  4.375% $10.30
Real Estate Secured (Fixed Home Equity Loan)3 121 - 180 Months 4.750% $7.78
Real Estate Secured (Fixed Home Equity Loan)3 181 - 240 Months 5.500% $6.88

Maximum Loan Amount is $250,000.

Clinton Savings Bank NMLS # 422081. Call or stop by for details.

1 * Maximum 80% LTV product. Home Equity Line of Credit Introductory Annual Percentage Rate (APR) of 1.99% good for first 6 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 5.25% as of 10/1/18. An early termination fee applies for equity lines of credit closed within 24 months of opening the line of credit. Maximum Loan to Value 80%. Appraisal may be required at applicants’ expense. Offer applies to 1-4 family, owner-occupied primary residences only. Condominiums must be Fannie Mae approved. Not available for homes currently for sale or intended to be sold within 6 months of closing. Property homeowner’s insurance is required. Fees for opening the account range from $0 to $880. A fixed rate conversion option is available. Borrowers may elect to convert an outstanding balance to a fixed rate at any time during the draw period (first 10 years of the term). There is a $50 fee for every conversion. Other restrictions may apply. All loans are subject to credit approval.

 

2 *Terms and Conditions Maximum 100% LTV product. Home Equity Line of Credit is a variable rate subject to increase after consummation, adjusting monthly to the Wall Street Journal (WSJ) Prime Rate plus 2.00% with a maximum Annual Percentage Rate (APR) of 18.00%, with a floor of 5.25%. WSJ Prime Rate currently 5.25% as of 10/1/18. 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%. Appraisal is required at applicants' expense. Offer applies to 1-4 family, owner-occupied primary residences only. Condominiums must be Fannie Mae approved. Not available for homes currently for sale or intended to be sold within 6 months of closing. Property homeowner's insurance is required Fees for opening the account range from $0 to $880. Subject to credit approval. Other restrictions may apply. 

3 *Terms and Conditions Offer applies to 1-4 family, owner-occupied primary residences only. Not available for homes currently for sale or intended to be sold within 6 months of closing. Condominiums must be Fannie Mae approved. Maximum Loan to Value(LTV): 80%. Appraisal may be required at applicants' expense. Fees for opening account range from $0 to $880. Subject to credit approval. Other restrictions may apply.