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
FEATURED RATES COMING SOON
| Product | Rate | Points | Annual Percentage Rate | Terms of Repayment / $1000 | Loan Amount |
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Loan Rates - Automobile Loans
Effective June 17, 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 (terms of repayment/$1,000 equals $16.57)
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 (terms of repayment/$1,000 equals $19.57); rates available for older year models.
Loan Rates - Motorcycle
Effective June 17, 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.
Loan Rates - Recreational Vehicles
Effective June 17, 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.
Loan Rates - Personal Loans
Effective June 17,2010
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.
Loan Rates - Equity Lines & Loans
Effective June 17, 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 -.25%, Floating | 240 | $6.59 | $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. 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 or 75% of assessed 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 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.
Loan Rates - Moneylines
Effective June 17, 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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