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Adjustable Rate Mortgages Rates and terms available.  Get a personalized quote!
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1. Short Term First Mortgages*
(Effective: Sunday, December 17, 2017)
Program
Term
Interest Rate
Points
APR
Monthly Payments
per $1000 borrowed
8 Year Fixed
8 years
2.490%
0 2.606%
$11.50
12 Year Fixed
12 years
2.990%
0 3.773%
$8.27
*Interest Rate and Annual Percentage Rate (APR) subject to change. APR is 0.25% higher for customers who choose not to sign up for automatic payment from a Jewett City Savings Bank checking account. Payments do not include taxes and insurance, if applicable. Actual payments will be greater. Maximum loan-to-value 80% on 1 to 4 family owner occupied residential property. Maximum loan-to-value 75% on owner occupied condominium. Minimum loan amount $25,000. Maximum loan amount $350,000. Not available for new purchases. No homes listed for sale or intended for sale.


2. Fixed Rate Mortgages*
(Effective: Sunday, December 17, 2017)
Program
Term
Interest Rate
Points
APR
Monthly Payments
per $1000 borrowed
10 Year Fixed
10 years
3.000%
0 3.051%
$9.66
15 Year Fixed
15 years
3.000%
2 3.409%
$6.91
15 years
3.125%
1 3.388%
$6.97
15 years
3.250%
0 3.368%
$7.03
20 Year Fixed
20 years
3.375%
2 3.699%
$5.74
20 years
3.625%
1 3.837%
$5.86
20 years
3.750%
0 3.848%
$5.93
30 Year Fixed
30 years
3.625%
2 3.860%
$4.56
30 years
3.750%
1 3.903%
$4.63
30 years
3.875%
0 3.946%
$4.70
*Interest Rate and Annual Percentage Rate (APR) subject to change. Maximum loan-to-value of 80% on 1 to 4 family owner occupied property. Maximum loan-to-value of 75% on 1 to 4 family non-owner occupied property. Other restrictions may apply. Payments do not include taxes and insurance, if applicable. Actual payments will be greater.


3. Construction Mortgages*
(Effective: Sunday, December 17, 2017)
Program
Term
Interest Rate
Points
APR
Monthly Payments
per $1000 borrowed
Construction
15 Year Fixed

15 years
3.250%
1.5 3.793%
$7.03
Construction
20 Year Fixed

20 years
3.750%
1.5 4.082%
$5.93
Construction
30 Year Fixed

30 years
3.875%
1.5 4.115%
$4.70
*Interest Rate and Annual Percentage Rate (APR) subject to change. Maximum loan-to-value of 80% on 1 and 2 family owner occupied property. Other restrictions may apply. Payments do not include taxes and insurance, if applicable. Actual payments will be greater.


5. Jumbo Mortgages*
(Effective: Sunday, December 17, 2017)
Program
Term
Interest Rate
Points
APR
Monthly Payments
per $1000 borrowed
Jumbo
30 Year Fixed

30 years
3.750%
2 4.091%
$4.63
30 years
3.875%
1 4.133%
$4.70
30 years
4.000%
0 4.174%
$4.77
*Interest Rate and Annual Percentage Rate (APR) subject to change. Maximum loan-to-value of 80% on 1 to 4 family owner occupied property. Other restrictions may apply. Payments do not include taxes and insurance, if applicable. Actual payments will be greater. For loan amounts greater than $417,000.


Land Building Lot Loans*
(Effective: Sunday, December 17, 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.