Rates | Claremont Savings Bank | Claremont, NH - Charlestown, NH - Springfield, VTSkip to content

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of October 1, 2018. 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.

Deposit Rates  |  Loan Rates  |  Mortgage Rates

Deposit Rates

Kasasa Cash Checking*Learn More

Balance Minimum to Open Rate APY
0 - $10,000 $25 1.9819% 2.00%
$10,001+ $25 0.3993% 2.00% to 0.55%
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
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking

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.

Kasasa Saver*Learn More

Balance Minimum to Open Rate APY
0 - $100,000 $10 0.9954% 1.00%
$100,000+ $10 0.3993% 1.00% to 0.70%
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
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking

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 AccountLearn More

Balance Minimum to Open Rate APY
$0 $1 0.75% 0.75%
$10,000 $1 0.75% 0.75%
$50,000 $1 0.75% 0.75%

Other Deposit Accounts

Account Minimum to Open Minimum to Obtain APY Rate APY
Small Business Checking $100 $0 0.03% 0.03%
Statement Savings $10 $100 0.05% 0.05%
KidSaver Statement Savings $1 $10 0.05% 0.05%
Savings Club $10 $10 0.05% 0.05%
Variable Rate Retirement CD1 $100 $0 0.30% 0.30%
Escrow Accounts n/a $0 0.05% 0.05%

1Twelve Month Term; Penalty for early withdrawal may be imposed; Rate and yield matches 6 Month Fixed Rate CD

MIDAS Money MarketLearn More

Balance to Obtain APY Minimum to Open Rate APY
$100 $500 0.05% 0.05%
$5,000 $500 0.05% 0.05%
$50,000 $500 0.10% 0.10%
$100,000 $500 0.10% 0.10%
$250,000 $500 0.30% 0.30%
$500,000 $500 0.40% 0.40%

Insured Cash Sweep (ICS)

Balance to Obtain APY Minimum to Open Rate APY
$100 $0 0.05% 0.05%
$5,000 $0 0.05% 0.05%
$50,000 $0 0.05% 0.05%
$100,000 $0 0.10% 0.10%
$250,000 $0 0.10% 0.10%
$500,000 $0 0.10% 0.10%

Certificates of Deposit (CDs)Learn More

Term Minimum to Open Rate APY
3 month $500 0.20% 0.20%
6 month $500 0.30% 0.30%
12 months $500 0.50% 0.50%
24 months $500 0.80% 0.80%
36 months $500 1.00% 1.00%
48 months $500  1.05% 1.06%
60 months $500  1.34% 1.35%

Penalty for early withdrawal may be imposed.

KidSaver CDs

Type Minimum to Open Rate APY
Bee-ginner CD (6 months - 12 months) $100 0.30% 0.30%
Toucan CD (1-3 years) $100 0.80% 0.80%

Penalty for early withdrawal may be imposed.

Current CD SpecialsLearn More

Term Minimum to Open Rate APY
2 Year Enhanced CD $5,000 0.80% 0.80%

Allows for one-time bump-up. Bump-up: Entitling the bearer to take advantage of rising interest rates with a one-time option to "bump-up" the interest rate paid. Penalty for early withdrawal.

Loan Rates

Auto Loans2Learn More

Year Terms Interest Rate APR Down Payment
2018 - 2019 72 months 4.50% 4.69% 0%
2016 - 2017** 60 months 4.99% 5.22% 10%
2014 - 2015** 48 months 5.99% 6.27% 10%
2013 or older** 36 months 6.99% 7.36% 20%

 

Motorcycle Loans2

Year Terms Interest Rate APR Down Payment
2018 - 2019 72 months 6.99% 7.19% 0%
2014 - 2017** 60 months 7.99% 8.22% 10%
2013 or older** 36 months 8.99% 9.37% 20%

Campers/Fifth Wheeler/Motorhomes (New/Used)2Learn More

Year Terms Interest Rate APR Down Payment
2018 - 2019 72 months 6.50% 6.69% 10%
2015 - 2017 72 months 7.25% 7.45% 10%
2014 or older 48 months 8.75% 9.04% 20%

Boats(New/Used)2Learn More

Year Terms Interest Rate APR Down Payment
2018 - 2019 72 months 6.99% 7.19% 10%
2015 - 2017 72 months 7.75% 7.95% 10%
2014 or older 48 months 8.75% 9.04% 20%

Utility Equipment (Snow Machines, 4 Wheelers, Utility Trailers with Titles)2Learn More

Year Terms Interest Rate APR Down Payment
2018 - 2019 48 months 8.75% 9.04% 20%
2014 - 2017** 48 months 9.75% 10.04% 20%

Personal Unsecured Loans2Learn More

Type Terms Interest Rate APR
Personal Loan** 48 months 14.00% 14.30%

 

Home Improvement LoansLearn More

Type Terms Interest Rate APR
Home Improvement Loans 60 months 8.00% 8.23%

 

2 $55.00 processing fee applies to all consumer loans shown. Interest rates and programs subject to change without notice. Certain restrictions may apply. Maximum term dependent on loan type. Please contact us for details.

  • Rates and programs are subject to change without notice
  • Vendor’s single interest insurance is required when applicable
  • APR = Annual Percentage Rate, based on a $10,000 loan
  • Deduct 0.50% for pre-authorized payments 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
  • **Can extend the term up to one year; Rate will increase by .25% for each six month extension

Mortgage Rates

Adjustable Rate Mortgages3Learn More

Type Term Points Interest Rate APR Caps
3/1 Year ARM 30 Years 0 3.500% 5.145% 2/6
5/1 Year ARM 30 Years 0 3.625% 4.921% 2/6
7/1 Year ARM 30 Years 0 3.875% 4.813% 2/6
10/1 Year ARM 30 Years 0 3.990% 4.635% 2/6
10/1 Year ARM - First Time Home Buyer 30 Years 0 3.990% 4.574% 1/5

 

Fixed Rate Mortgages3,4

Loan Type Maximum Term Points Interest Rate APR
Fixed Rate 10 Years 0 3.750% 4.250%
Fixed Rate 15 Years 0 4.375% 4.439%
Fixed Rate 20 Years 0 4.875% 4.932%
Fixed Rate 30 Years 0 5.000% 5.042%

 

NH Rural Development3

Loan Type Maximum Term Points Interest Rate APR
Fixed Rate 30 Years 0 4.875% 4.914%

 

Rural Development loans feature a $50,000 minimum loan amount. Please contact us for details.

Home Equity Loans3Learn More

Loan Type Maximum Term Points Interest Rate APR Caps
HELOC 20 Years 0 5.250% 5.500% 18%
10 Year Fixed Conventional 10 Years 0 5.000% 5.028% n/a

 

HELOCS have 10 year draw period followed by a 10 year fully amortized P&I repayment period.

Mobile Homes on Land3

Type Maximum Term Margin Interest Rate APR Caps
5/1 Year ARM 25 Years 4.000% 4.625% 5.810% 2/6
7/1 Year ARM 25 Years 4.000% 4.875% 5.696% 2/6
15 Year Fixed 15 Years n/a 5.875% 5.942% n/a

 

Mobile Homes in Parks / on Leased Land3

Type Maximum Term Margin Interest Rate APR Caps
5/1 Year ARM 20 Years 4.000% 6.625% 6.680% 2/6
7/1 Year ARM 20 Years 4.000% 6.875% 6.843% 2/6
10 Year Fixed 10 Years n/a 6.750% 6.847% n/a

 

Interest rates and programs subject to change without notice. First time homebuyer – no processing fee assessed. 

  • Annual Percentile Rates (APRs) assume a 20% down payment and are based upon a $100,000 loan including points and a $425.00 processing fee
  • Loans between $453,100 and $750,000, add 0.125%; loans over $750,000, add 0.25%
  • Private mortgage insurance (PMI) required on loans with less than 20% down
  • Variable rates may increase over the term of the loan
  • Floor rates equal interest rate or 5%, whichever is less
  • Construction loans available – one closing only, restrictions may apply

4 20 Year Fixed Rate Mortgage and 30 Year Fixed Rate Mortgage: Mortgages sold to FHLB. Servicing retained at Claremont Savings Bank.