Rates effective as of March 15, 2024
Deposit Rates | Auto Loans Rates | Consumer Loans Rates | Mortgage Rates
Deposit Rates
APY = Annual Percentage Yield. The Annual Percentage Yield shown is accurate for the first date of the period shown. Please contact us to obtain the current APY. Fees could reduce earnings on an account. The rates on all accounts, except fixed rate certificates, are variable and may change after the account is opened. Rates and programs are subject to change without notice.
Please call for Personal CD rates.
High Yield Money Market Account Learn More
Balance | Minimum to Open | Rate | APY |
---|---|---|---|
$.01 - $49,999.99 | $25.00 | 1.00% | 1.00% |
$50,000.00 - $249,999.99 | $25.00 | 3.44% | 3.50% |
$250,000.00 - $499,999.99 | $25.00 | 3.69% | 3.75% |
$500,000.00 - $4,999,999.99 | $25.00 | 4.17% | 4.25% |
$5,000,000.00 and up | $25.00 | .03% | .03% |
Ultimate Checking Learn More
Balance | Minimum to Open | Rate | APY |
---|---|---|---|
$.01 - $25,000 | $25.00 | 1.9819% | 2.00% |
Amounts over $25,000 | $25.00 | 0.1499% | 0.15% |
All balances if qualifications not met | $25.00 | 0.01% | 0.01% |
Money Market Checking Learn More
Balance | Minimum to Open | Rate | APY |
---|---|---|---|
$1,000.00 - $49,999.99 | $1,000.00 | .05% | .05% |
$50,000.00 - $99,999.99 | $1,000.00 | .35% | .35% |
$100,000.00 - $249,999.99 | $1,000.00 | .45% | .45% |
$250,000.00 - $499,999.99 | $1,000.00 | .45% | .45% |
$500,000.00 -$999,999.99 | $1,000.00 | .45% | .45% |
$1,000,000.00 and over | $1,000.00 | .55% | .55% |
Savings Learn More
Balance | Minimum to Open | Rate | APY | |
---|---|---|---|---|
With Qualifying Checking Account | .01% | $10 | 0.2996% | .30% |
Without Qualifying Checking Account | .01% | $10 | 0.03% | 0.03% |
At our discretion, we may change the interest rate on your account. This account pays a higher rate of interest when paired with a qualifying Performance Checking or Ultimate Checking account or a lower rate of interest if you do not meet the qualification criteria in the attached Performance Checking or Ultimate Checking or if you don't have either checking account.
Health Savings Account Learn More
Balance | Minimum to Open | Rate | APY |
---|---|---|---|
$0.01 | $1 | 0.25% | 0.25% |
Other Deposit Accounts
Account | Minimum to Open | Minimum to Obtain APY | Rate | APY |
---|---|---|---|---|
Variable Rate Retirement CD1 | $100 | $0.01 | 0.15% | 0.15% |
1Twelve Month Term; Penalty for early withdrawal may be imposed; Rate and yield matches 6 Month Fixed Rate CD
Fees could reduce earnings on an account. The rates on all accounts except fixed rate certificates are variable and may change after the account is opened.
Consumer Loan Rates
Auto Loans Learn More
Year | Maximum Terms | Interest Rate | APR | Payment per $1000 | Down Payment |
---|---|---|---|---|---|
2023 - 2024 | 72 months | 7.75% | 8.16%^ | $17.41 | 0% |
2021 - 2022** | 60 months | 8.25% | 8.74%^ | $20.40 | 10% |
2019 - 2020** | 48 months | 8.50% | 9.10%^ | $24.65 | 10% |
2018 or older** | 36 months | 12.00% | 12.80%^ | $33.21 | 20% |
^Payments are based on a loan amount of $10,000.00.
Motorcycle Loans
Year | Maximum Terms | Interest Rate | APR | Payment per $1000 | Down Payment |
---|---|---|---|---|---|
2023 - 2024 | 72 months | 8.99% | 9.41% | $18.02 | 0% |
2019 - 2022** | 60 months | 9.50% | 10.00% | $21.00 | 10% |
2018 or older** | 36 months | 12.00% | 12.80% | $33.21 | 20% |
Campers/Fifth Wheeler/Motorhomes (New/Used) Learn More
Year | Maximum Terms | Interest Rate | APR | Payment per $1000 | Down Payment |
---|---|---|---|---|---|
2023 - 2024 | 72 months | 9.00% | 9.42% | $18.03 | 10% |
2020 - 2022 | 72 months | 9.50% | 9.92% | $18.27 | 10% |
2019 or older | 48 months | 11.00% | 11.61% | $25.85 | 20% |
Boats (New/Used) Learn More
Year | Maximum Terms | Interest Rate | APR | Payment per $1000 | Down Payment |
---|---|---|---|---|---|
2023 - 2024 | 72 months | 9.25% | 9.67% | $18.15 | 10% |
2020 - 2022 | 72 months | 10.25% | 10.67% | $18.65 | 10% |
2019 or older | 48 months | 11.25% | 11.86% | $25.97 | 20% |
Utility Equipment (Snow Machines, 4 Wheelers, Utility Trailers with Titles) Learn More
Year | Maximum Terms | Interest Rate | APR | Payment per $1000 | Down Payment |
---|---|---|---|---|---|
2023 - 2024 | 48 months | 8.99% | 9.60% | $24.88 | 20% |
2019 - 2022** | 48 months | 9.99% | 10.60% | $25.36 | 20% |
Personal Unsecured Loans Learn More
Home Improvement Loans Learn More
Type | Maximum Terms | Maximum Amount | Interest Rate | APR | Payment per $1000 |
---|---|---|---|---|---|
Home Improvement Loans* | 60 months | $15,000 | 9.25% | 9.49% | $20.88 |
*The Annual Percentage Rate (APR) shown is accurate with auto-deduction from a Claremont Savings Bank deposit account. APR is 8.500% without auto-deduct from a CSB deposit account. Add 1.00% with credit score below 700 with the exception of emergency flood loans. This is for closed-end loans only. Additional fees may apply. Offer of credit is subject to credit approval. Rates and programs are subject to change without notice.
Consumer Loan Rates
- Insurance required on all consumer loans with collateral
- Certain restrictions may apply
- All loans subject to credit approval
- Interest rates and programs are subject to change without notice
- Vendor’s Single Interest Insurance (VSI) is required for collateral loans, when applicable. VSI fee is $35.
- APR = Annual Percentage Rate, based on a $10,000.00 loan
- Payments based on a loan amount of $10,000.00
- 0.25% deduction for auto-debit payments, from a Claremont Savings Bank checking account, on all consumer loans shown
- Add 1.00% with credit score below 700 on all consumer loans with exception of deposit secured, NH saves, flood loans, and short term notes
- $55 processing fee applies to all consumer loans except cash reserve which is $25.
- **Can extend the term up to one year; Rate will increase by .25% for each six month extension
- Please contact us for additional detail
Mortgage Rates
Fixed Rate Mortgages Learn More
Loan Type | Maximum Term | Points | Interest Rate | APR | Payment per $1000 Financed |
---|---|---|---|---|---|
Fixed Rate | 10 Years | 0.000 | 7.000% | 7.182% | $11.61 |
Fixed Rate | 15 Years | 0.750 | 6.875% | 7.127% | $8.92 |
Fixed Rate | 15 Years | 0.500 | 7.000% | 7.212% | $8.99 |
Fixed Rate | 15 Years | 0.250 | 7.125% | 7.296% | $9.06 |
Fixed Rate | 15 Years | 0.000 | 7.250% | 7.381% | $9.13 |
Fixed Rate | 20 Years | 0.500 | 7.000% | 7.170% | $7.75 |
Fixed Rate | 20 Years | 0.250 | 7.125% | 7.263% | $7.83 |
Fixed Rate | 20 Years | 0.125 | 7.250% | 7.372% | $7.90 |
Fixed Rate | 20 Years | 0.000 | 7.375% | 7.481% | $7.98 |
Fixed Rate | 30 Years | 1.000 | 6.500% | 6.676% | $6.32 |
Fixed Rate | 30 Years | 0.625 | 6.625% | 6.765% | $6.40 |
Fixed Rate | 30 Years | 0.250 | 6.750% | 6.854% | $6.49 |
Fixed Rate | 30 Years | 0.000 | 6.875% | 6.955% | $6.57 |
Fixed Rate Jumbo* | 30 Years | 0.000 | 7.250% | 7.261% | $6.82 |
15 Year Fixed Rate Mortgage, 20 Year Fixed Rate Mortgage, and 30 Year Fixed Rate Mortgage are saleable loans. Servicing retained at Claremont Savings Bank.
*Jumbo Loan: loans >$766,550. APR based on loan amount of $766,550 including a $524.00 processing fee and $275.00 underwriting fee. 30 year fixed rate. Single family primary residence. 80% LTV, 20% down payment required. Credit score of >700.
NH Rural Development
Loan Type | Maximum Term | Points | Interest Rate | APR | Payment per $1000 Financed |
---|---|---|---|---|---|
Fixed Rate | 30 Years | 0.000 | 7.125% | 7.207% | $6.74 |
Rural Development loans feature a $50,000 minimum loan amount. Please contact us for details.
Construction Loans Learn More
Loan Type | Maximum Term | Points | Interest Rate | APR | Payment per $1000 Financed |
---|---|---|---|---|---|
Fixed Rate | 10 Years | 0.000 | 7.000% | 7.182% | $11.61 |
Fixed Rate | 15 Years | 0.000 | 7.750% | 7.883% | $9.41 |
Fixed Rate | 20 Years | 0.000 | 7.500% | 7.607% | $8.06 |
Fixed Rate | 30 Years | 0.000 | 7.250% | 7.331% | $6.82 |
Additional fees apply to construction loans: $550 construction fee and $700 inspection fee.
Land Loans
Loan Type | Maximum Term | Points | Interest Rate | APR | Payment per $1000 Financed | Caps |
---|---|---|---|---|---|---|
3/1 Year ARM | 20 Years | 0.000 | 7.625% | 8.588% | $8.13 | 2/6 |
5/1 Year ARM | 20 Years | 0.000 | 7.625% | 8.588% | $8.13 | 2/6 |
Home Equity Loans Learn More
Loan Type | Maximum Term | Points | Interest Rate | APR | Payment per $1000 Financed | Caps |
---|---|---|---|---|---|---|
10 Year Fixed Conventional | 10 Years | 0 | 7.375% | 7.479% | $11.81 | n/a |
15 Year Fixed Conventional | 15 Years | 0 | 7.990% | 8.066% | $9.55 | n/a |
HELOC | 20 Years | 0 | 7.125% | 7.125% | $7.83 | 18% |
Mobile Homes on Land
Type | Maximum Term | Points | Interest Rate | APR | Payment per $1000 Financed |
---|---|---|---|---|---|
Fixed Rate | 10 Years | 0.000 | 7.000% | 7.182% | $11.61 |
Fixed Rate | 15 Years | 0.000 | 7.750% | 7.883% | $9.41 |
Fixed Rate | 20 Years | 0.000 | 7.500% | 7.607% | $8.06 |
Fixed Rate | 30 Years | 0.000 | 7.250% | 7.331% | $6.82 |
15 years or newer - max term 30 years; 16 years old to 1977 - max term 25 years; 1976 and older - max term 15 years.
Mobile Homes in Parks / on Leased Land
Type | Maximum Term | Points | Interest Rate | APR | Payment per $1000 Financed |
---|---|---|---|---|---|
Fixed Rate | 10 Years | 0 | 8.000% | 8.186% | $12.13 |
Fixed Rate | 15 Years | 0 | 8.750% | 8.887% | $9.99 |
Fixed Rate | 20 Years | 0 | 8.500% | 8.611% | $8.68 |
Mobile Homes in parks/on leased land need to be 1976 or newer.
Mortgage Rates
- All Loans subject to credit and underwriting approval
- Interest rates and programs subject to change without notice
- Certain restrictions may apply
- Annual Percentage Rates (APRs) assume a 20% down payment and are based upon a $100,000 loan including a $524.00 processing fee and $275.00 underwriting fee
- Rate adjustments may apply for certain transactions types, credit score and loan-to-value. Contact a loan officer for details.
- Payments do not include taxes and insurance
- Private mortgage insurance (PMI) required on loans with less than 20% down
- Variable rates may increase over the term of the loan
- ARM Floor rates equal interest rate or 5%, whichever is less
- Construction loans available – one closing only, restrictions may apply
- Dartmouth College and DHMC employee discount