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	6.250%	6.742%	$19.45
10 Years	6.750%	7.015%	$11.48
15 Years	7.250%	7.441%	$9.13
20 Years	7.750%	7.907%	$8.21

*Interest Rate and Annual Percentage Rate (APR) effective as of April 17, 2026, 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	7.250%	1.5	7.947%	$9.13
20 Years	7.500%	1.5	8.068%	$8.06
30 Years	7.625%	1.5	8.069%	$7.08

*Interest Rate and Annual Percentage Rate (APR) effective as of October 1, 2026, 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	7.375%	1	7.989%	$9.20
20 Years	7.625%	1	8.125%	$8.13
30 Years	7.750%	1	8.142%	$7.16

*Interest Rate and Annual Percentage Rate (APR) effective as of October 1, 2026, 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 $832,750.