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Apply NowResources> Consumer Loan Rates

1. New & Used Auto Loans*
(Effective: Wednesday, May 24, 2017)
Program
Term
APR
Monthly Payments
per $1000 borrowed
New Auto
(100% financing of car value)
3 years
3.490%
$29.31
4 years
3.750%
$22.47
5 years
3.990%
$18.42
Used Auto up to 3 years old
(with 20% down)
3 years
3.490%
$29.31
4 years
3.750%
$22.47
5 years
3.990%
$18.42
Used Auto over 3 years old
3 years
5.990%
$30.43
4 years
6.240%
$23.60
5 years
6.750%
$19.69
*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. Rates and terms available for used auto loans with down payment of less than 20%.


2. Personal Loans with AutoPay*
(Effective: Wednesday, May 24, 2017)
Program
APR
Monthly Payments
per $1000 borrowed
Credit Score 740 and up
8.000%
$87.01
Credit Score 720 to 739
9.000%
$87.48
Credit Score 700 to 719
10.000%
$87.95
Credit Score under 700
11.000%
$88.41
*Annual Percentage Rate (APR) subject to change. APR is based on borrower's credit score at time of application. Monthly payments per $1,000 borrowed based on 1 year term. Minimum loan $1,000. Maximum loan $25,000. The APR is 1.00% higher for loans under $5,000. Term is limited to 1 year per thousand borrowed up to a maximum of 5 years. Automatic payment from a Jewett City Savings Bank checking account is required to obtain the stated APR.


3. Personal Loans*
(Effective: Wednesday, May 24, 2017)
Program
APR
Monthly Payments
per $1000 borrowed
Credit Score 740 and up
9.000%
$87.48
Credit Score 720 to 739
10.000%
$87.95
Credit Score 700 to 719
11.000%
$88.41
Credit Score under 700
12.000%
$88.88
*Annual Percentage Rate (APR) subject to change. APR is based on borrower's credit score at time of application. Monthly payments per $1,000 borrowed based on 1 year term. Minimum loan $1,000. Maximum loan $25,000. The APR is 1.00% higher for loans under $5,000. Term is limited to 1 year per thousand borrowed up to a maximum of 5 years.


Land Building Lot Loans*
(Effective: Wednesday, May 24, 2017)
Program
Term
APR
Monthly Payments
per $1000 borrowed
Land Building Lot Loans
5 years
6.626%
$19.57
10 years
6.817%
$11.48
15 years
7.048%
$8.99
20 years
7.289%
$7.90
*Annual Percentage Rate (APR) subject to change. 75% maximum loan-to-value. Minimum equity $5,000. Payments do not include taxes and insurance, if applicable. Actual payments may be greater.