Rates effective as of October 12, 2021
Deposit Rates | Personal CD Rates | Business CD | Municipal CD 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.
Kasasa Cash Checking* Learn More
| Balance | Minimum to Open | Rate | APY |
|---|---|---|---|
| 0 - $10,000 | $25 | 0.9954% | 1.00% |
| Amounts over $10,000 | $25 | 0.1499% | 0.15% |
| All balances if qualifications not met | $25 | 0.01% | 0.01% |
*Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
- At least 12 debit card purchases (excluding ATM transactions)
- Be enrolled in and agree to receive e-statements
- Be enrolled in and log into online banking or Mobiliti
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month.
Ultimate Checking Learn More
| Minimum Balance to obtain APY | Minimum to Open | Rate | APY |
|---|---|---|---|
| $0.00 | $50 | .03% | .03% |
| $50,000.00 | $50 | .05% | .05% |
| $250,000 | $50 | .05% | .05% |
Kasasa Saver* Learn More
| Balance | Minimum to Open | Rate | APY |
|---|---|---|---|
| 0 - $100,000 | $10 | 0.2996% | 0.30% |
| Amounts over $100,000 | $10 | 0.1988% | 0.20% |
| All balances if qualifications not met | $10 | 0.01% | 0.01% |
*Qualifications
Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases (excluding ATM transactions)
- Be enrolled in and agree to receive e-statements
- Be enrolled in and log into online banking or Mobiliti
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month.
Health Savings Account Learn More
| Balance | Minimum to Open | Rate | APY |
|---|---|---|---|
| $0 | $1 | 0.25% | 0.25% |
| $10,000 | $1 | 0.25% | 0.25% |
| $50,000 | $1 | 0.25% | 0.25% |
MIDAS Money Market Learn More
| Balance to Obtain APY | Minimum to Open | Rate | APY |
|---|---|---|---|
| $100 | $500 | 0.03% | 0.03% |
| $5,000 | $500 | 0.03% | 0.03% |
| $50,000 | $500 | 0.05% | 0.05% |
| $100,000 | $500 | 0.10% | 0.10% |
| $250,000 | $500 | 0.10% | 0.10% |
| $500,000 | $500 | 0.15% | 0.15% |
Other Deposit Accounts
| Account | Minimum to Open | Minimum to Obtain APY | Rate | APY |
|---|---|---|---|---|
| Business Premier Checking | $100 | $0 | 0.03% | 0.03% |
| Statement Savings | $10 | $100 | 0.03% | 0.03% |
| KidSaver Statement Savings | $1 | $10 | 0.03% | 0.03% |
| Savings Club | $10 | $10 | 0.03% | 0.03% |
| Variable Rate Retirement CD1 | $100 | $0 | 0.15% | 0.15% |
| Escrow Accounts | n/a | $0 | 0.03% | 0.03% |
1Twelve Month Term; Penalty for early withdrawal may be imposed; Rate and yield matches 6 Month Fixed Rate CD
Insured Cash Sweep (ICS)
| Balance to Obtain APY | Minimum to Open | Rate | APY |
|---|---|---|---|
| $100 | $0 | 0.03% | 0.03% |
| $5,000 | $0 | 0.03% | 0.03% |
| $50,000 | $0 | 0.03% | 0.03% |
| $100,000 | $0 | 0.05% | 0.05% |
| $250,000 | $0 | 0.05% | 0.05% |
| $500,000 | $0 | 0.10% | 0.10% |
Personal Certificates of Deposit (CDs) Learn More
| Term | Minimum to Open | Rate | APY |
|---|---|---|---|
| 6 month | $500 | 0.05% | 0.05% |
| 12 months | $500 | 0.20% | 0.20% |
| 24 months | $500 | 0.25% | 0.25% |
| 36 months | $500 | 0.25% | 0.25% |
| 48 months | $500 | 0.30% | 0.30% |
| 60 months | $500 | 0.40% | 0.40% |
Penalty for early withdrawal may be imposed.
KidSaver CDs
| Type | Minimum to Open | Rate | APY |
|---|---|---|---|
| Toucan CD (1-3 years) | $100 | 0.20% | 0.20% |
Penalty for early withdrawal may be imposed.
Municipal Money Market
| Savings Account | APY | Interest Rate | Minimum Balance to Open | Minimum Balance to Obtain APY |
|---|---|---|---|---|
| Municipal Savings | 0.03% | 0.03% | $10 | $100 |
| Municipal Money Market Savings | 0.05% | 0.05% | $500 | $100 |
| Municipal Money Market Savings | 0.10% | 0.10% | $500 | $50,000 |
| Municipal Money Market Savings | 0.15% | 0.15% | $500 | $250,000 |
| Municipal Money Market Savings | 0.20% | 0.20% | $500 | $500,000 |
| Municipal Money Market Savings | 0.25% | 0.25% | $500 | $1,000,000 |
Business, Municipal and Trust/Estate Certificates of Deposit (CDs) Learn More
Trust/Estate Certificate of Deposit (CD)
| Term | Minimum to Open | Rate | APY |
|---|---|---|---|
| 6 month | $500 | 0.05% | 0.05% |
| 12 months | $500 | 0.20% | 0.20% |
| 24 months | $500 | 0.25% | 0.25% |
| 60 months | $500 | 0.40% | 0.40% |
Municipal Certificate of Deposit (CD)
| Term | Minimum to Open | Rate | APY |
|---|---|---|---|
| 6 month | $500 | 0.05% | 0.05% |
| 12 months | $500 | 0.20% | 0.20% |
| 24 months | $500 | 0.25% | 0.25% |
| 60 months | $500 | 0.40% | 0.40% |
Business Certificate of Deposit (CD)
| Term | Minimum to Open | Rate | APY |
|---|---|---|---|
| 6 month | $500 | 0.05% | 0.05% |
| 12 months | $500 | 0.20% | 0.20% |
| 24 months | $500 | 0.25% | 0.25% |
| 60 months | $500 | 0.40% | 0.40% |
Penalty for early withdrawal may be imposed.
Consumer Loan Rates
Auto Loans Learn More
| Year | Maximum Terms | Interest Rate | APR | Payment per $1000 | Down Payment |
|---|---|---|---|---|---|
| 2021 - 2022 | 72 months | 4.50% | 4.90%^ | $15.87 | 0% |
| 2019- 2020** | 60 months | 4.99% | 5.46%^ | $18.87 | 10% |
| 2017 - 2018** | 48 months | 5.99% | 6.58%^ | $23.48 | 10% |
| 2016 or older** | 36 months | 6.99% | 7.77%^ | $30.87 | 20% |
^Payments are based on a loan amount of $10,000.00. $55.00 processiong fee applies. Insurance required. Certain restrictions may apply.
Motorcycle Loans
| Year | Maximum Terms | Interest Rate | APR | Payment per $1000 | Down Payment |
|---|---|---|---|---|---|
| 2021 - 2022 | 72 months | 6.99% | 7.40% | $17.04 | 0% |
| 2017 - 2020** | 60 months | 7.99% | 8.48% | $20.27 | 10% |
| 2016 or older** | 36 months | 8.99% | 9.78% | $31.80 | 20% |
Campers/Fifth Wheeler/Motorhomes (New/Used) Learn More
| Year | Maximum Terms | Interest Rate | APR | Payment per $1000 | Down Payment |
|---|---|---|---|---|---|
| 2021 - 2022 | 72 months | 6.50% | 6.91% | $13.39 | 10% |
| 2018 - 2020 | 72 months | 7.25% | 7.66% | $13.76 | 10% |
| 2017 or older | 48 months | 8.75% | 9.35% | $24.77 | 20% |
Boats (New/Used) Learn More
| Year | Maximum Terms | Interest Rate | APR | Payment per $1000 | Down Payment |
|---|---|---|---|---|---|
| 2021 - 2022 | 72 months | 6.99% | 7.40% | $13.63 | 10% |
| 2018 - 2020 | 72 months | 7.75% | 8.16% | $14.01 | 10% |
| 2017 or older | 48 months | 8.75% | 9.35% | $24.77 | 20% |
Utility Equipment (Snow Machines, 4 Wheelers, Utility Trailers with Titles) Learn More
| Year | Maximum Terms | Interest Rate | APR | Payment per $1000 | Down Payment |
|---|---|---|---|---|---|
| 2021 - 2022 | 48 months | 8.75% | 9.35% | $24.77 | 20% |
| 2017 - 2020** | 48 months | 9.75% | 10.36% | $25.24 | 20% |
Personal Unsecured Loans Learn More
| Type | Maximum Term | Interest Rate | APR | Payment per $1000 |
|---|---|---|---|---|
| Personal Loan** | 48 months | 14.00% | 14.30% | $27.33 |
Home Improvement Loans Learn More
| Type | Maximum Terms | Maximum Amount | Interest Rate | APR | Payment per $1000 |
|---|---|---|---|---|---|
| Home Improvement Loans | 60 months | $15,000 | 8.00% | 8.20% | $20.28 |
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 loan
- 0.50% deduction for auto-debit payments, from a Claremont Savings Bank checking account, on all consumer loans shown
- Add 1.00% with credit score below 675 on all consumer loans with exception of deposit secured, NH saves and short term notes
- $55 processing fee applies to all consumer loans
- **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 | 2.500% | 2.630% | $9.43 |
| Fixed Rate | 15 Years | 0 | 2.500% | 2.568% | $6.67 |
| Fixed Rate | 20 Years | 0 | 3.125% | 3.196% | $5.61 |
| Fixed Rate | 30 Years | 0 | 3.250% | 3.301% | $4.35 |
15 Year Fixed Rate Mortgage, 20 Year Fixed Rate Mortgage and 30 Year Fixed Rate Mortgage: Mortgages sold to FHLB. Servicing retained at Claremont Savings Bank.
NH Rural Development
| Loan Type | Maximum Term | Points | Interest Rate | APR | Payment per $1000 Financed |
|---|---|---|---|---|---|
| Fixed Rate | 30 Years | 0 | 3.000% | 3.050% | $4.22 |
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 | 2.500% | 2.630% | $9.43 |
| Fixed Rate | 15 Years | 0 | 2.875% | 2.965% | $6.85 |
| Fixed Rate | 20 Years | 0 | 3.500% | 3.571% | $5.80 |
| Fixed Rate | 30 Years | 0 | 3.625% | 3.676% | $4.56 |
Additional fees apply to construction loans: $500 construction fee and $500 inspection fee.
Land Loans
| Loan Type | Maximum Term | Points | Interest Rate | APR | Payment per $1000 Financed | Caps |
|---|---|---|---|---|---|---|
| 3/1 Year ARM | 20 Years | 0 | 4.500% | 4.916% | $6.33 | 2/6 |
| 5/1 Year ARM | 20 Years | 0 | 4.750% | 4.995% | $6.46 | 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 | 4.750% | 4.820% | $10.48 | n/a |
| 15 Year Fixed Conventional | 15 Years | 0 | 5.000% | 5.049% | $7.91 | n/a |
| HELOC | 20 Years | 0 | 3.500% | 3.750% | $5.80 | 18% |
HELOCS have 10 year draw period followed by a 10 year fully amortized Principal and Interest repayment period.
Mobile Homes on Land
| Type | Maximum Term | Points | Interest Rate | APR | Payment per $1000 Financed |
|---|---|---|---|---|---|
| Fixed Rate | 10 Years | 0 | 2.500% | 2.630% | $9.43 |
| Fixed Rate | 15 Years | 0 | 2.875% | 2.965% | $6.85 |
| Fixed Rate | 20 Years | 0 | 3.500% | 3.571% | $5.80 |
| Fixed Rate | 30 Years | 0 | 3.625% | 3.676% | $4.56 |
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 | 4.750% | 4.886% | $10.48 |
| Fixed Rate | 15 Years | 0 | 5.250% | 5.346% | $8.04 |
| Fixed Rate | 20 Years | 0 | 5.750% | 5.827% | $7.02 |
Mobile Homes in parks/on leased land need to be 1976 or newer.
Mortgage Rates
- All Loans subject to credit 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 $425.00 processing fee and $195.00 underwriting fee
- Add 0.125% to the interest rate with credit score of 660-700; add 0.250% to the interest rate with a credit score of 659 or less
- Jumbo loans for amounts over $548,250 receive a 0.125% rate reduction
- 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