Resources> Consumer Loan Rates

1. Personal Loans* (Effective: Thursday, May 17, 2012)
Program	APR	Monthly Payments per $1000 borrowed
Personal -Unsecured (You must maintain a JCSB checking or savings account to obtain this rate.)	11.000%	$88.38
Personal -Unsecured Autopay (Automatic payment from a JCSB checking account is required.)	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.

2. New & Used Auto Loans* (Effective: Thursday, May 17, 2012)
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.

5. Building Lot Loans and Land Loans* (Effective: Thursday, May 17, 2012)
Program	Term	APR	Monthly Payments per $1000 borrowed
Building Lot Loans	5 years	7.268%	$19.92
	10 years	7.260%	$11.74
	15 years	7.250%	$9.13
	20 years	7.250%	$7.90
Land Loans	5 years	7.268%	$19.92
	10 years	7.260%	$11.74
	15 years	7.250%	$9.13
	20 years	7.250%	$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.