Offer available on first mortgage single family construction, owner occupied residential loans up to 90% loan to value (LTV). Construction term of 9 months unless extended for custom build on certain products with CSB’s express prior authorization. Principal and interest payments start upon earlier completion of construction or 9 months. Buyers are charged interest on funds as they are drawn to build during construction. Normal construction loan fees apply for a one-time closing process. $1,000 off closing costs will be included as a lender credit. Permanent financing at the end of the construction can be fixed or variable rate depending on loan product chosen. Typical example: A $200,000 construction price with a 20% down payment results in a $160,000 loan and a construction period Annual Percentage Rate (APR) of 3.757%. This would require an average interest payment of $244.54 per month during the draw period. After the construction period, the 30 year fixed rate permanent financing based on an APR of 3.757% would result in a monthly principal and interest payment of $729.68. Taxes and insurance are not included, your actual payment obligation may be higher (APRs are accurate as of 11/30/21). All loans are subject to CSB underwriting guidelines. Homeowners insurance required and flood insurance where necessary. Escrow may be required. Escrow is required when property is located in a flood zone. Rates, program terms, and conditions are subject to change without notice. Offer expires May 31,2022.