Rates & Calculators

Home Equity Rates

Our Home Equity Line or Loan allows you to use the equity in your home to finance major purchases, such as home improvements, college expenses, and more.

No Fee / Fixed Rate Home Equity Loans

Term	APR*	Monthly Payments per $1000 borrowed
5 Years	5.875%	$19.27
10 Years	6.125%	$11.16
15 Years	6.375%	$8.64
20 Years	7.000%	$7.75

*Annual Percentage Rate (APR) effective as of March 4, 2026 and subject to change. The APR is 0.25% higher for customers who choose not to sign up for automatic payment from a Jewett City Savings Bank checking account. Maximum loan-to-value (Max LTV) of 80% on 1 to 2 family owner-occupied residential property. Minimum loan amount $10,000. No homes listed for sale or intended for sale. Payments do not include taxes and insurance, if applicable. Actual payments will be greater.

Home Equity Line of Credit (HELOC)

Program	APR*
Prime minus 0.52%	6.230%

*Annual Percentage Rate (APR) effective as of December 11, 2025, and subject to change. The APR is variable based on the Prime Rate as published in The Wall Street Journal on the last business day of the month minus 0.52%. Maximum lifetime APR is 18%. 1 to 2 family owner occupied residential properties only. Adequate property insurance is required. Minimum loan amount $10,000. Maximum total loan-to-value of 80%. Maximum loan $500,000. 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. Other restrictions may apply.