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We reserve the right to change rates, terms, and conditions without notice. Subject to credit approval.
We reserve the right to change rates, terms, and conditions without notice. Subject to credit approval.
Terms | 15/1 ARM: Purchase or Refinance $150,000 Loan Amount |
15/1 ARM: Construction $240,000 Loan Amount |
---|---|---|
Max Term (Months) | 360 | 360 |
Max LTV 1 | 80% | 80% |
Points 2 | 1 | 1 |
Simple Interest Rate3 | 5.500% | 5.500% |
Example Payment Amount | $851.684 | $1,362.697 |
Example APR
(as low as)
|
6.012%5 | 6.063%8 |
Estimated Payment6
(per $1,000 borrowed)
|
$5.68
|
$5.68
|
Terms | 1/1 ARM | 3/1 ARM | 5/1 ARM | 15/1 ARM |
---|---|---|---|---|
Max Term (Months) | 360 | 360 | 360 | 360 |
Max LTV 1 | 80% | 80% | 80% | 80% |
Points 2 | 0 | 0 | 0 | 0 |
Simple Interest Rate 3 | 5.875% | 6.000% | 6.125% | 7.125% |
Example Payment Amount 4 | $887.31 | $899.33 | $911.42 | $1,010.58 |
Example APR 5
(as low as)
|
7.854% | 7.536% | 7.305% | 7.336% |
Estimated Payment 6
(per $1,000 borrowed)
|
$5.92 | $6.00 | $6.08 |
$6.74
|
All loans subject to approval. All applications are welcome, contact a local expert to obtain rates and terms.
Terms |
30 Year
Max Term - 360 month
|
|
---|---|---|
Max LTV 1 |
80% |
80% |
Points 2 |
0 |
.250 |
Simple Interest Rate 3 |
6.375% |
6.250% |
Example Payment Amt4 |
$1,247.75 |
$1,231.44 |
Example APR 5 |
6.456% |
6.354% |
Estimated Payment 6 (Per $1,000 borrowed) |
$6.24 |
$6.16 |
Terms |
20 Year
Max Term - 240 month
|
|
---|---|---|
Max LTV 1 |
80% |
80% |
Points 2 |
0 |
.125 |
Simple Interest Rate 3 |
6.000% |
5.875% |
Example Payment Amt4 |
$1,432.87 |
$1,418.48 |
Example APR 5 |
6.105% |
5.995% |
Estimated Payment 6(per $1,000 borrowed) |
$7.16 |
$7.09 |
Terms |
15 Year
Max Term - 180 month
|
|
---|---|---|
Max LTV 1 |
80% |
80% |
Points 2 |
0 |
.250 |
Simple Interest Rate 3 |
5.375% |
5.250% |
Example Payment Amt4 |
$1,620.94 |
$1,607.76 |
Example APR 5 |
5.504% |
5.418% |
Estimated Payment 6 (Per $1,000 borrowed) |
$8.10 |
$8.04 |
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 $200,001 loan amortized at the stated simple interest rate over the maximum term. Taxes and insurance not included. Your payment obligation will be higher.
5 Annual Percentage Rate (APR) for a $200,001 loan amortized at the stated simple interest rate over the maximum term. APR includes prepaid finance charges of $1677 (with additional points where indicated). PMI (Private Mortgage Insurance) may be required for loans with LTV 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.
Rates shown are for applicants with a credit score of at least 780. Applicants with lower credit scores may have different terms available. All loans subject to approval. All applications are welcome. Contact a local expert to obtain rates and terms.
Terms | 1-5 Yrs | 6-10 Yrs |
---|---|---|
Max LTV - 80% 1,2 |
||
Simple Interest Rate |
6.375% |
6.500% |
Example Variable APR 3 |
6.922% |
6.793% |
Example Payment Amount |
$487.69 |
$283.87 |
Estimated Payment 4
|
$19.51 |
$11.35 |
Max LTV - 90% 1,2 |
||
Simple Interest Rate |
9.375% |
9.500% |
Example Variable APR 3 |
9.938% |
9.810% |
Example Payment Amount |
$523.52 |
$323.49 |
Estimated Payment 4
|
$20.94 |
$12.94 |
Rates, terms, and conditions apply to applications received by January 31, 2023. 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 balloon payment at maturity. Proof of hazard insurance is required at closing. Consult your tax adviser regarding interest deductibility.
All loans subject to approval. All applications are welcome, contact a local expert to obtain rates and terms. Applicants with lower credit scores than those indicated below may have different terms available.
Product | APR and Conditions |
---|---|
HELOC with Maximum of 80% Loan To Value (LTV) |
|
$10,000 - $19,999 |
8.50 APR (Prime + 1.00) OR 8.25 APR (Prime +.75) representing a .25% rate reduction with an automatic payment from a CSB depository account.* To obtain these rates, a credit score of 720 or higher is required. |
$20,000 - $49,999 |
8.00 APR (Prime + .50) OR 7.75 APR (Prime + .25) representing a .25% rate reduction with an automatic payment from a CSB depository account.** To obtain these rates, a credit score of 720 or higher is required. |
$50,000 - above |
7.75 APR (Prime + .25) OR 7.50 APR (Prime + 0) representing a .25% rate reduction with an automatic payment from a CSB depository account.*** To obtain these rates, a credit score of 720 or higher is required. |
$50,000 - above |
7.50 APR (Prime + 0) OR 7.25 APR (Prime - .25) representing a .25% rate reduction with an automatic payment from a CSB depository account.*** To obtain these rates, a credit score of 760 or higher is required. |
HELOC with Maximum of 60% Loan To Value (LTV) |
|
$50,000 - above |
7.25 APR (Prime - .25) OR 7.00 APR (Prime - .50) representing a .25% rate reduction with an automatic payment from a CSB depository account.**** To obtain these rates, a credit score of 760 or higher is required. |
1 Per CSB policy, Loan-to-Value 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 beginning with the first cycle date after closing and annually thereafter.
4 If paid off and closed within the first 3 years, a pre-payment penalty of 1% of the original line amount up to a maximum of $500 will be assessed.
5 Appraisal and underwriting restrictions apply. Lines with other Loan-to-Value limits are available. Please contact your CSB loan officer for details.
Product | Credit Score | Term Months | Simple Interest Rate
(As low as)
|
APR |
---|---|---|---|---|
New Vehicles |
||||
NEW |
720+ |
up to 36 months |
5.49% |
6.072%* |
NEW |
720+ |
up to 66 months |
5.49% |
5.820%* |
NEW |
720+ |
72 Months |
5.74% |
6.046%* |
Used Vehicles |
||||
2019-2023 |
720+ |
60 months |
5.74% |
6.101%* |
2019-2023 |
720+ |
72 months |
5.99% |
6.297%* |
2016-2018 |
720+ |
60 months |
6.24% |
6.603%* |
2015-older (< $15,000) |
720+ |
36 Months |
8.00% |
9.178%** |
2015-older (>= $15,000) |
720+ |
48 Months |
8.00% |
8.453%* |
*Example APRs based on a loan amount of $20,199.00. Loan amount is based on a $20,000 purchase price, $175 loan documentation fee and $24 additional non-APR fees.
**Example APR based on a loan amount of $10,199.00. Loan amount is based on a $10,000 purchase price, $175 loan documentation fee and $24 additional non-APR fees.
Product | Credit Score | Term Months | Simple Interest Rate
(As low as)
|
APR | |
---|---|---|---|---|---|
Lawn/Garden/Buggies/New UCC secured Storage Barns and other UCC collateral |
|||||
New |
700+ |
60 |
7.00% |
7.733%* |
|
Used |
700+ |
48 |
8.00% |
8.906%* |
|
Motorcycles/ATVs/Snowmobiles |
|||||
New |
700+ |
60 |
6.50% |
7.229%* |
|
Used |
700+ |
48 |
8.00% |
8.906%* |
|
Boats & Motorhomes |
|||||
New |
700+ |
120 |
7.00% |
7.200%** |
|
Used |
700+ |
84 |
8.00% |
8.277%** |
Payment Examples:
A new Lawn/Garden equipment loan of $10,000 for 60 months at a rate of 7.00% and an APR* of 7.733% would have a payment of $201.97. $175.00 Loan Documentation fee and other fees financed. Other fees include $15.00 Title Registration fee and $9.00 VSI Insurance fee. Higher rates available for used units and credit scores below 700.
A new Motorcycle loan of $10,000 for 60 months at a rate of 6.50% and an APR* of 7.229% would have a payment of $199.57. $175.00 Loan Documentation fee and other fees financed. Other fees include $15.00 Title Registration fee and $9.00 VSI Insurance fee. Higher rates available for used units and credit scores below 700.
A new Boat/Motorhome loan of $20,000 for 120 months at a rate of 7.00% and an APR** of 7.200% would have a payment of $234.57. $175.00 Loan Documentation fee and other fees financed. Other fees include $15.00 Title Registration fee and $9.00 VSI Insurance fee. Higher rates available for used units and credit scores below 700.
*Example APRs based loan amount of $10,199.00. Loan amount is based on a $10,000 purchase price, $175 loan documentation fee and $24 additional non-APR fees.
**Example APRs based loan amount of $20,199.00. Loan amount is based on a $20,000 purchase price, $175 loan documentation fee and $24 additional non-APR fees.
Credit Score | Term Months | Simple Interest Rate
(As low as)
|
APR | |
---|---|---|---|---|
Term |
700+ |
36 |
12.00% |
13.216%* |
Term |
< 700 |
36 |
13.00% |
14.223%* |
Payment Example:
An unsecured loan of $10,000 for 36 months at a rate of 12.00% and an APR of 13.216% would have a payment of $337.98. $175.00 Loan Documentation fee financed. Higher rates available for credit scores below 700.
*Example APRs based loan amount of $10,175.00. Loan amount of $10,000 requested, plus a $175 loan documentation fee.
Minimum loan balance $1,000. Loan Documentation Fee of $175.00 on all Consumer Loans. If doc fee causes the APR to exceed the Usury Rate, reduce doc fee until APR is within Usury Rate. Applicants will be eligible for a .25% reduction in the rate if the loan is set up on automatic deduction from a CSB deposit account. This .25% reduction does not apply to loans secured by CSB CD or Savings Accounts. All applications are welcome, contact a local expert to obtain rates and terms based on your creditworthiness.