Mortgage Loans
CSB has offered mortgages that provide solid options and foundations for people for over 156 years - current Mortgage Rates.
Automobile Loans
Effective January 4, 2010
All rates are subject to change without notice.
| Product | Annual Percentage Rate | Term | Terms of Repayment/$1,000 | Loan Amount |
| New | 5.500%* on vehicle up to one year old with less than 10,000 miles | 60 | $19.10 | $30,000 |
| Used | 6.000%* Based on a 2-4 year old vehicle | 48 | $23.49 | $30,000 |
*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; 100% financing available for Clinton Savings Bank mortgage holders, add .50% for 72 month term.
Used - 80% NADA Value; 100% financing available for Clinton Savings Bank mortgage holders, rate may fluctuate based on age of automobile, add .50% to rate for 60 month term; rates available for older year models.
Motorcycle
Effective January 4, 2010
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.
Recreational Vehicles
Effective January 4, 2010
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.
Personal Loans
Effective January 4, 2010
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.
Unsecured - Maximum term 36 months
Secure for 48 month term
Equity Lines & Loans
Effective January 4, 2010
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, Floating | 240 | $6.74 | $150,000 |
| Real Estate Secured*** (Fixed Home Equity Loan) | 5.250%* | 60 | 60 @ $18.99 | $150,000 |
| 5.250%* | 120 | 120 @ $10.73 | $150,000 | |
| 5.750%* | 180 | 180 @ $8.30 | $150,000 | |
| 6.250%* | 240 | 240 @ $7.31 | $150,000 |
*Annual Percentage Rate (APR) reflects .50% discount for automatic payment from a CSB Checking or Savings Account for the full term of the loan.
**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 75% of appraised value or 75% of assessed value, at the minimum (floor) rate of 5.25% APR. 70% 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 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 5.25%. 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 75% of appraised value or 75% of assessed value, 70% 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.
Moneylines
Effective January 4, 2010
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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