Rates & Calculators

Land & Construction Loans

At Jewett City Savings Bank, we offer loan programs and financing experts to help you build on your dreams, easily and affordably.

Land Loans

Term	Interest Rate	APR*	Monthly Payments per $1000 borrowed
5 Years	6.500%	6.994%	$19.57
10 Years	7.000%	7.266%	$11.61
15 Years	7.500%	7.693%	$9.27
20 Years	8.000%	8.159%	$8.36

*Interest Rate and Annual Percentage Rate (APR) effective as of September 18, 2025, and subject to change. 75% maximum loan-to-value. Minimum equity $5,000. Payments do not include taxes and insurance, if applicable. Actual payments will be greater.

Construction Loans

Term	Interest Rate	Points	APR*	Monthly Payments per $1000 borrowed
15 Years	5.750%	1.5	6.417%	$8.30
20 Years	5.875%	1.5	6.407%	$7.09
30 Years	6.375%	1.5	6.787%	$6.24

*Interest Rate and Annual Percentage Rate (APR) effective as of October 2, 2025, and subject to change. Maximum loan-to-value of 80% on 1 to 2 family owner occupied residential property. Other restrictions may apply. Payments do not include taxes and insurance, if applicable. Actual payments will be greater.

Jumbo Construction Mortgages

Term	Interest Rate	Points	APR*	Monthly Payments per $1000 borrowed
15 Years	5.875%	1	6.462%	$8.37
20 Years	6.000%	1	6.469%	$7.16
30 Years	6.500%	1	6.864%	$6.32

*Interest Rate and Annual Percentage Rate (APR) effective as of October 2, 2025, and subject to change. Maximum loan-to-value of 80% on 1 to 2 family owner-occupied residential property. Other restrictions may apply. Payments do not include taxes and insurance, if applicable. Actual payments will be greater. For loan amounts greater than $806,500.

You are now leaving Jewett City Savings Bank

Jewett City Savings Bank provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Jewett City Savings Bank, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.