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.

Refinance Mortgages

Program	Term	Interest Rate	APR*	Monthly Payments per $1000 borrowed
FastPay Refinance	8 Years	5.625%	5.800%	$12.96
FastPay Refinance	12 Years	5.875%	5.998%	$9.69
EasyPay Refinance	25 Years	6.875%	6.947%	$6.99

*Interest Rate and Annual Percentage Rate (APR) effective as of April 4, 2025 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	6.875%	2	7.279%	$6.57
30 Years	7.000%	1	7.303%	$6.65
30 Years	7.125%	0	7.327%	$6.74

*Interest Rate and Annual Percentage Rate (APR) effective as of April 10, 2025 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 $806,500.

Jumbo Construction Mortgages

Term	Interest Rate	Points	APR*	Monthly Payments per $1000 borrowed
15 Years	6.500%	1	7.065%	$8.71
20 Years	6.750%	1	7.206%	$7.60
30 Years	7.125%	1	7.482%	$6.74

*Interest Rate and Annual Percentage Rate (APR) effective as of April 10, 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.

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