Rates & Calculators

Mortgage Rates

At Jewett City Savings Bank, we’re proud to offer a variety of mortgage programs to meet the needs of virtually any homebuyer or homeowner.

Fixed & Adjustable Rate Mortgages

We offer a range of conventional home financing options. Use our Mortgage Rate Quote for rates on our fixed-rate and adjustable-rate mortgage options.

Refinance Mortgages

Program	Term	Interest Rate	APR*	Monthly Payments per $1000 borrowed
FastPay Refinance	8 Years	5.500%	5.675%	$12.90
FastPay Refinance	12 Years	5.750%	5.872%	$9.63
EasyPay Refinance	25 Years	7.750%	7.825%	$7.55

*Interest Rate and Annual Percentage Rate (APR) effective as of October 1, 2026 and 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 of 80% on 1 to 4 family owner occupied residential property. Minimum loan amount $25,000. Maximum loan amount $500,000. Not available for new purchases. No homes listed for sale or intended for sale.

Jumbo Mortgages

Term	Interest Rate	Points	APR*	Monthly Payments per $1000 borrowed
30 Years	7.500%	2	7.925%	$6.99
30 Years	7.625%	1	7.945%	$7.08
30 Years	7.750%	0	7.966%	$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 4 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.