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Home Equity Rates

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No Fee / Fixed Rate Home Equity Loans
ProgramTermAPR*Monthly Payments per $1000 borrowed
80% Max LTV5 years3.750%$18.30
10 years 4.250%$10.24
15 years4.750%$7.78
20 years 6.250%$7.31
*Annual Percentage Rate (APR) effective as of September 8, 2022 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 condominiums. 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)
Prime minus 0.52%5.730%
*Annual Percentage Rate (APR) effective as of September 22, 2022 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%. New loans only. 1 to 2 family owner occupied residential properties only. Adequate property insurance is required. Maximum total loan-to-value of 80%. Minimum loan $10,000. Maximum loan $350,000. 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.

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Please contact us if you have questions about any of our products and services. You can visit our Resource Center, use our information request form or give us a call at 860-376-4444.

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