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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 years1 2.750%$17.86
10 years1 3.250%$9.77
15 years1 4.250%$7.52
20 years 5.250%$6.74
*Annual Percentage Rate (APR) effective as of October 15, 2018 and subject to change. Maximum loan-to-value 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. 1On the 5, 10 and 15 year terms, 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.
No Fee / Fixed Rate Home Equity Loans
ProgramTermAPR*Monthly Payments per $1000 borrowed
81% to 90% Max LTV5 years 3.750%$18.30
10 years 4.250%$10.24
15 years 5.250%$8.04
20 years 6.250%$7.31
*Annual Percentage Rate (APR) effective October 15, 2018 and subject to change. Loan-to-value of 81% to 90% 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.
Non-Owner Occupied Home Equity Loan
TermAPR*Monthly Payments per $1000 borrowed
5 years3.750%$18.30
10 years4.250%$10.24
15 years5.250%$8.04
20 years6.250%$7.31
*Annual Percentage Rate (APR) effective as of October 15, 2018 and subject to change. Maximum loan-to-value of 75% on 1 to 2 family non-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)
ProgramAPR*
Prime minus 0.52%4.730%
*Annual Percentage Rate (APR) effective as of October 15, 2018 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.
Non-Owner Occupied Home Equity Line of Credit
ProgramAPR*
Prime plus 1.50%6.750%
*Annual Percentage Rate (APR) effective as of October 15, 2018 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 plus 1.50%. Maximum lifetime APR is 18%. 1 to 4 family non-owner occupied properties eligible. Adequate property insurance is required. Maximum total loan-to-value of 75%. 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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