1. No Fee Home Equity Loans*
(Effective: May 2, 2008)
Program
Term
APR
Monthly Payments per $1000 borrowed
LTV 80% Max
(No fees. Fixed rate.)
5 years
6.000%
$19.33
10 years
6.125%
$11.16
15 years
6.375%
$8.64
20 years
6.750%
$7.60
*Annual Percentage Rate (APR) subject to change. 1 & 2 family owner-occupied. Maximum loan-to-value 80%. Minimum loan $5,000. No condominiums. No homes listed for sale or intended for sale.
2. No Fee Home Equity Loans*
(Effective: May 2, 2008)
Program
Term
APR
Monthly Payments per $1000 borrowed
LTV 81% to 90%
(No fees. Fixed rate.)
5 years
6.500%
$19.57
10 years
6.750%
$11.48
15 years
7.125%
$9.06
20 years
7.375%
$7.98
*Annual Percentage Rate (APR) subject to change. 1 & 2 family owner-occupied. Loan-to-value 81% to 90%. Minimum loan $5,000. No condominiums. No homes listed for sale or intended for sale.
3. No Fee Home Equity Loans*
(Effective: May 2, 2008)
Program
Term
APR
Monthly Payments per $1000 borrowed
LTV 91% to 100%
(No fees. Fixed rate.)
5 years
7.250%
$19.92
10 years
7.750%
$12.00
15 years
8.250%
$9.70
20 years
8.250%
$8.52
*Annual Percentage Rate (APR) subject to change. 1 & 2 family owner-occupied. Loan-to-value 91% to 100%. Minimum loan $5,000. Maximum loan $100,000. No condominiums. No homes listed for sale or intended for sale.
4. Home Equity Line of Credit*
(Effective: May 2, 2008)
Program
APR
Prime Plus 1%
(The APR is variable based on the Prime Rateas published in The Wall Street Journal on thelast business day of the month plus 1%.)
6.000%
*Annual Percentage Rate (APR) subject to change. Maximum lifetime interest rate is 18%. New loans only. 1 & 2 family owner-occupied. Adequate property insurance is required. Maximum loan-to-value 80%. Minimum loan $10,000. Maximum loan $100,000. Annual fee of $45. A cancellation fee may apply for loans terminated within 3 years of origination date. No homes listed for sale or intended for sale.
5. New & Used Auto Loans*
(Effective: May 2, 2008)
Program
Term
APR
Monthly Payments per $1000 borrowed
New Auto
(20% down)
1 year
4.750%
$85.49
2 years
5.750%
$44.21
3 years
5.750%
$30.31
4 years
6.250%
$23.60
5 years
6.500%
$19.57
Used Auto
(20% down
3 years old max.)
1 year
5.750%
$85.95
2 years
5.750%
$44.21
3 years
5.750%
$30.31
4 years
6.750%
$23.83
5 years
6.750%
$19.68
*Annual Percentage Rate (APR) subject to change. Rates are 1% higher for customers who choose not to sign up for automatic payment from a Jewett City Savings Bank checking account.
6. Personal Loans*
(Effective: May 2, 2008)
Program
APR
Monthly Payments per $1000 borrowed
Personal-Unsecured
(You must maintain a JCSB checking orsavings account to obtain this rate.)
11.000%
$88.38
Personal-Unsecured
(You must sign up for automatic payment froma JCSB checking account to obtain this rate.)
10.000%
$87.91
*Annual Percentage Rate (APR) subject to change. Minimum loan $1,000. Monthly payment based on $1,000 for 1 year. Term is restricted to 1 year per thousand borrowed with a maximum of 5 years.
We're Here to Serve You! Please contact us if you have questions about any of our products and services. You can use our information request form or give us a call at (860) 376-4444. Count on us to make your banking easier, more convenient and more enjoyable.