Cash Management



LOAN RATES
Click the links above to view current rates.

 

 

 

 

 

 

 

 

 


ADJUSTABLE RATE MORTGAGE LOANS

Rates, terms, and conditions apply to applications received by July 29, 2008. The Bank reserves the right to change rates, terms, and conditions without notice. Subject to credit approval. Loans must be secured with a 1-4 family, owner-occupied dwelling. Proof of hazard insurance is required at closing.
Maximum
Term
(Months)
Maximum1
LTV
Points2
Simple3
Interest
Rate
Example4
Payment
Amount
Example5
Variable
APR
Estimated6
Payment
1-Year ARM7
360
80%
0
%
$
%
$
1-Year ARM
360
85%
0
%
$
%
$
3-Year ARM
360
80%
0
6.000%
$449.66
6.064%
$6.00
3-Year ARM
360
85%
0
%
$
%
$
5-Year ARM
360
80%
0
6.375%
$467.90
6.437%
$6.24
5-Year ARM
360
85%
0
%
$
%
$
7-Year ARM
360
80%
0
6.625%
$480.23
6.688%
$6.40
7-Year ARM
360
85%
0
%
$
%
$

1   Per CSB policy, Loan-to-Value (LTV) is based on the lesser of the purchase price or appraised value.
2 Points are equivalent to a certain percentage of your loan amount. One point equals one percent of your loan. 
3   Variable rate. Subject to change after consummation with a maximum increase of 6.00% over life of loan.
4   Example payment for a $75,000 loan amortized at the stated simple interest rate over the maximum term.
5   Annual Percentage Rate (APR) for a $75,000 loan amortized at the stated simple interest rate over the maximum term. APR includes prepaid finance charges of $437, (with an additional $750, or one point, where indicated). PMI (Private Mortgage Insurance) may be required for loans w/LTV's in excess of 80%. Other customary closing costs apply.
6   Estimated payment per $1,000 borrowed at the stated simple interest rate amortized over the maximum term.
7   ARM reflects an Adjustable Rate Mortgage subject to interest rate changes on 3, 5 and 7 year intervals.





 

 

 

 

 

 

 

 

FIXED RATE MORTGAGE LOANS

Maximum loan amount of $417,000. Rates, terms, and conditions apply to applications received by July 24, 2008 and closed no later than September 02, 2008. The Bank reserves the right to change rates, terms, and conditions without notice. Subject to credit approval. Loans must be secured with a 1-4 family, owner-occupied dwelling. Proof of hazard insurance is required at closing.
Maximum
Term
(Months)
Maximum1
LTV
Points2
Simple3
Interest
Rate
Example4
Payment
Amount
Example5
APR
Estimated6
Payment
30-Year
360
80%
0
6.875%

$494.00
7.009%
$6.59
30-Year
360
80%
1
6.625%
$481.46
6.856%
$6.42
20-Year
240
80%
0
6.750%
$571.69
6.922%
$7.62
20-Year
240
80%
1
6.500%
$560.52
6.800%

$7.47
15-Year
180
80%
0
6.375%
$649.67
6.589%
$8.66
15-Year
180
80%
1
6.125%
$639.37
6.494%
$8.53

1  Per CSB policy, Loan-to-Value (LTV) is based on the lesser of the purchase price or appraised value.
2   Points are equivalent to a certain percentage of your loan amount. One point equals one percent of your loan.
3   Fixed rate.
4   Example payment for a $75,000 loan amortized at the stated simple interest rate over the maximum term.
5   Annual Percentage Rate (APR) for a $75,000 loan amortized at the stated simple interest rate over the maximum term. APR includes prepaid finance charges of $425 (with an additional $750, or one point, where indicated). PMI (Private Mortgage Insurance) may be required for loans w/LTV's in excess of 80%. Other customary closing costs apply.
6   Estimated payment per $1,000 borrowed at the stated simple interest rate amortized over the maximum term.
 



 

 

 

 

 

 

 

 

 


SECOND MORTGAGE / HOME EQUITY LOANS

Rates, terms, and conditions apply to applications received by July 29, 2008. The Bank reserves the right to change rates, terms, and conditions without notice. Subject to credit approval. Loans must be secured with a 1-4 family, owner-occupied dwelling. Proof of hazard insurance is required at closing.
Maximum1
LTV 80%
Maximum1
LTV 100%2
1-5 Years
7.00%
Fixed
7.50%
Fixed
6-10 Years
7.50%
Fixed
8.00%
Fixed
         
1   Per CSB policy, Loan-to-Value (LTV) is based on the lesser of the purchase price or appraised value.
2   To qualify for a LTV of 90% to 100%, a minimum CBR score of 700 is required





 

 

 

 

 

 

 

 

HOME EQUITY LINES OF CREDIT

Rates, terms, and conditions apply to applications received by July 29, 2008. The Bank reserves the right to change rates, terms, and conditions without notice. Subject to credit approval. Loans must be secured with a 1-4 family, owner-occupied residence. The minimum payment will result in a ballon payment at maturity. Proof of hazard insurance is required at closing. Consult your tax advisor regarding interest deductibility.
Amount
Conditions
$0 - $24,999
Prime +1 and .25% rate reduction with a CSB DDA (Prime + .75%)
$0 - $24,999
Prime + .50 with a credit score of 700 or above and a .25% rate reduction with a CSB DDA (Prime + .25%)
$25,000 - above
 Prime + .50 and .25% rate reduction with a CSB DDA (Prime + .25)
$25,000 - above
 Prime - .50% with a credit score of 700 or above and a .25% rate reduction with a CSB DDA (Prime - .75%)
   

1   Per CSB policy, Loan-to-Value (LTV) is based on the lesser of the purchase price or appraised value.
2   Variable rate Annual Percentage Rate (APR). Subject to change after consummation.
3   A $75.00 annual fee will be assessed upon the first anniversary date of account opening and annually thereafter.
4   A minimum payment of 1.0% of the outstanding balance is required.
5   Maximum increase of 6.00% over the lifetime of loan.
6   To qualify for a loan-to-value of 100%, certain underwriting restrictions apply. Please contact your CSB loan officer for details.





 

 

 

 

 

 

 

 

 

Auto Loans

Rates, terms, and conditions apply to applications received by July 29, 2008. The Bank reserves the right to change rates, terms, and conditions without notice. Subject to credit approval.
Maximum
Term
(Months)
Simple3
Interest
Rate
Example
Loan
Amount
PPds
Amt Fin
Example4
Payment
Amount
Example5
APR
Estimated6
Payment
New 2005/20061
72
8.00%
$13,500
$75.00
$13,425
$233.42
7.70010%
$17.29
New 2005/2006
66
7.50%
$13,500
$75.00
$13,425
$246.99
7.20800%
$18.18
New 2005/2006
60
7.00%
$13,500
$75.00
$13,425
$246.10
6.72600%
$19.45
New 2005/2006
54
6.75%
$13,500
$75.00
$13,425
$287.40
6.49900%
$21.18
Used 2003/2004/20052
60
7.24%
$10,000
$75.00
$9,925
$196.76
7.05000%
$19.56
Used 2001/2002
54
7.24%
$10,000
$75.00
$9,925
$215.16
7.07900%
$21.40
Used 1999/2000
48
9.00%
$10,000
$75.00
$9,925
$246.43
8.88200%
$24.53
Used 1998/1999
42
8.00%
$10,000
$75.00
$9,925
$326.20
11.27010%
$27.38
Used 1998 +
36
11.25%
$10,000
$75.00
$9,925
$326.10
11.24800%
$32.50


1   Maximum Loan-to-Value (LTV) on new vehicles cannot exceed 90% of Manufacturers Suggested Retail Price (MSRP).
2   Maximum Loan-to-Value (LTV) on used vehicles cannot excced 100% of the wholesale value.
3   Fixed rate.
4   New car examples assume MSRP of $15,000, 10% down payment, and total loan amount of $13,500. Used car examples assume wholesale value of $10,000 with 0% down payment. All examples are amortized at the stated simple interest rate over the maximum term. Fees financed as part of loan amount.
5   Annual Percentage Rate (APR) for example loan amount (see note 4) at the stated simple interest rate over the maximum term. APR includes prepaid finance charge of $75. Other fees apply.
6   Estimated payment per $1,000 borrowed at the stated simple interest rate amortized over the maximum term.
5-07
3-07