Rates
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Rates effective as of October 20, 2025
Deposit Rates
APY = Annual Percentage Yield. The Annual Percentage Yield shown is accurate for the first date of the period shown. Fees could reduce earnings on an account. The rates on all accounts, except fixed rate certificates, are variable and may change after the account is opened. Rates and programs are subject to change without notice.
Summit High Yield Savings Account
Minimum to Earn APY
Rate
APY
Minimum to Open
Minimum to Earn APY
$.01 and up
Rate
3.40%
APY
3.46%
Minimum to Open
$25.00
Ascend High-Yield Savings
Minimum to Earn APY
Rate
APY
Minimum to Open
Minimum to Earn APY
$.01 and up
Rate
0.00%
APY
0.00%
Minimum to Open
$1,000.00
Minimum to Earn APY
$1,000.00
Rate
0.50%
APY
0.50%
Minimum to Open
$1,000.00
Minimum to Earn APY
$5,000.00
Rate
1.74%
APY
1.75%
Minimum to Open
$1,000.00
Minimum to Earn APY
$25,000.00
Rate
2.72%
APY
2.75%
Minimum to Open
$1,000.00
Minimum to Earn APY
$100,000.00
Rate
2.96%
APY
3.00%
Minimum to Open
$1,000.00
Aspire Youth Savings
Minimum to Earn APY
Rate
APY
Minimum to Open
Minimum to Earn APY
$.01 and up
Rate
4.00%
APY
4.07%
Minimum to Open
$1.00
Minimum to Earn APY
$1,000.00
Rate
0.50%
APY
0.50%
Minimum to Open
$1.00
High Yield Money Market Account
Minimum to Earn APY
Rate
APY
Minimum to Open
Minimum to Earn APY
$.01 – $49,999.99
Rate
1.00%
APY
1.00%
Minimum to Open
$25.00
Minimum to Earn APY
$50,000.00 – $249,999.99
Rate
2.47%
APY
2.50%
Minimum to Open
$25.00
Minimum to Earn APY
$250,000.00 – $499,999.99
Rate
2.47%
APY
2.50%
Minimum to Open
$25.00
Minimum to Earn APY
$500,000.00 and up
Rate
3.40%
APY
3.45%
Minimum to Open
$25.00
Certificates of Deposit
Term
Minimum to Open
Rate
APY
Minimum to Obtain APY
Term
3 Month Special (New money required with option for match or existing funds)
Minimum to Open
$500.00
Rate
3.83%
APY
3.90%
Minimum to Obtain APY
$0.01
Term
6 Months
Minimum to Open
$500.00
Rate
0.15%
APY
0.15%
Minimum to Obtain APY
$0.01
Term
7 Month Special
Minimum to Open
$500.00
Rate
3.69%
APY
3.75%
Minimum to Obtain APY
$0.01
Term
12 Months
Minimum to Open
$500.00
Rate
0.25%
APY
0.25%
Minimum to Obtain APY
$0.01
Term
15 Month Special
Minimum to Open
$500.00
Rate
3.445%
APY
3.50%
Minimum to Obtain APY
$0.01
Term
24 Months
Minimum to Open
$500.00
Rate
0.35%
APY
0.35%
Minimum to Obtain APY
$0.01
Term
36 Months
Minimum to Open
$500.00
Rate
0.40%
APY
0.40%
Minimum to Obtain APY
$0.01
Term
48 Months
Minimum to Open
$500.00
Rate
0.45%
APY
0.45%
Minimum to Obtain APY
$0.01
Term
60 Months
Minimum to Open
$500.00
Rate
0.50%
APY
0.50%
Minimum to Obtain APY
$0.01
Term
KidSaver Toucan CD (12 – 36 Months)
Minimum to Open
$500.00
Rate
0.35%
APY
0.35%
Minimum to Obtain APY
$0.01
Savings
Minimum to Open
Minimum to Earn APY
Rate
APY
With Qualifying Checking Account
Minimum to Open
$10
Minimum to Obtain APY
$.01
Rate
0.30%
APY
0.30%
Statement Savings
Minimum to Open
$10
Minimum to Obtain APY
$.01
Rate
0.03%
APY
0.03%
At our discretion, we may change the interest rate on your account. This account pays a higher rate of interest when paired with a qualifying Performance Checking or Ultimate Checking account or a lower rate of interest if you do not meet the qualification criteria in the attached Performance Checking or Ultimate Checking or if you don’t have either checking account.
Health Savings Account
Minimum to Earn APY
Rate
APY
Minimum to Open
Minimum to Earn APY
$.01
Rate
0.25%
APY
0.25%
Minimum to Open
$1
Other Deposit Accounts
Account
Minimum to Open
Minimum to Obtain APY
Rate
APY
Account
Variable Rate Retirement CD1
Minimum to Open
$100
Minimum to Obtain APY
$0.01
Rate
0.15%
APY
0.15%
1 Twelve Month Term; Penalty for early withdrawal may be imposed; Rate and yield matches 6 Month Fixed Rate CD.
Consumer Loan Rates
Auto Loans
Year
Maximum Terms
Interest Rate
APR
Payment per $1000
Down Payment
Year
2024 – 2025
Maximum Terms
72 months
Interest Rate
7.75%
APR
8.16%*
Payment per $1000
$17.41
Down Payment
0%
Year
2022 – 2023**
Maximum Terms
60 months
Interest Rate
8.25%
APR
8.74%*
Payment per $1000
$20.40
Down Payment
10%
Year
2020 – 2021**
Maximum Terms
48 months
Interest Rate
8.50%
APR
9.10%*
Payment per $1000
$24.65
Down Payment
10%
Year
2019 or older**
Maximum Terms
36 months
Interest Rate
12.00%
APR
12.80%*
Payment per $1000
$33.21
Down Payment
20%
* Payments are based on a loan amount of $10,000.00.
Motorcycle Loans
Year
Maximum Terms
Interest Rate
APR
Payment per $1000
Down Payment
Year
2024 – 2025
Maximum Terms
72 months
Interest Rate
8.99%
APR
9.41%
Payment per $1000
$18.02
Down Payment
0%
Year
2022 – 2023**
Maximum Terms
60 months
Interest Rate
9.50%
APR
10.00%
Payment per $1000
$21.00
Down Payment
10%
Year
2019 or older**
Maximum Terms
36 months
Interest Rate
12.00%
APR
12.80%
Payment per $1000
$33.21
Down Payment
20%
Campers/Fifth Wheeler/Motorhomes (New/Used)
Year
Maximum Terms
Interest Rate
APR
Payment per $1000
Down Payment
Year
2024 – 2025
Maximum Terms
72 months
Interest Rate
9.00%
APR
9.42%
Payment per $1000
$18.03
Down Payment
10%
Year
2021 – 2023
Maximum Terms
72 months
Interest Rate
9.50%
APR
9.92%
Payment per $1000
$18.27
Down Payment
10%
Year
2020 or older
Maximum Terms
48 months
Interest Rate
11.00%
APR
11.61%
Payment per $1000
$25.85
Down Payment
20%
Boats (New/Used)
Year
Maximum Terms
Interest Rate
APR
Payment per $1000
Down Payment
Year
2024 – 2025
Maximum Terms
72 months
Interest Rate
9.25%
APR
9.67%
Payment per $1000
$18.15
Down Payment
10%
Year
2021 – 2023
Maximum Terms
72 months
Interest Rate
10.25%
APR
10.67%
Payment per $1000
$18.65
Down Payment
10%
Year
2020 or older
Maximum Terms
48 months
Interest Rate
11.25%
APR
11.86%
Payment per $1000
$25.97
Down Payment
20%
Snow Machines, 4 Wheelers, and Utility Trailers with Titles
Year
Maximum Terms
Interest Rate
APR
Payment per $1000
Down Payment
Year
2024 – 2025
Maximum Terms
48 months
Interest Rate
8.99%
APR
9.60%
Payment per $1000
$24.88
Down Payment
20%
Year
2020 – 2023**
Maximum Terms
48 months
Interest Rate
9.99%
APR
10.60%
Payment per $1000
$25.36
Down Payment
20%
Equipment (Personal Use)
Year
Maximum Terms
Interest Rate
APR
Payment per $1000
Down Payment
Year
New
Maximum Terms
72 months
Interest Rate
8.99%
APR
9.32%
Payment per $1000
$18.02
Down Payment
20%
Year
Used
Maximum Terms
48 months
Interest Rate
9.50%
APR
9.97%
Payment per $1000
$25.12
Down Payment
20%
Personal Unsecured Loans
Type
Maximum Term
Interest Rate
APR
Payment per $1000
Type
Personal Loan**
Maximum Term
48 months
Interest Rate
14.00%
APR
14.30%
Payment per $1000
$27.33
Home Improvement Loans
Type
Maximum Terms
Maximum Amount
Interest Rate
APR
Payment per $1000
Type
Home Improvement Loan*
Maximum Terms
60 months
Maximum Amount
$15,000
Interest Rate
9.25%
APR
9.49%*
Payment per $1000
$20.88
Consumer Loan Rates
- Insurance required on all consumer loans with collateral
- Certain restrictions may apply
- All loans subject to credit approval
- Interest rates and programs are subject to change without notice
- Vendor’s Single Interest Insurance (VSI) is required for collateral loans, when applicable. VSI fee is $35.
- APR = Annual Percentage Rate, based on a $10,000.00 loan
- Payments based on a loan amount of $10,000.00
- Deduct 0.25% for auto-debit payments, from a Claremont Savings Bank checking account, on all consumer loans shown
- Add 1.00% with credit score below 650 on all consumer loans with exception of deposit secured, NH saves, flood loans, and short term notes
- *This is for closed-end loans only
- Additional fees may apply
- $55 processing fee applies to all consumer loans except cash reserve which is $25.
- **Can extend the term up to one year; Rate will increase by .25% for each six month extension
- Please contact us for additional detail
Mortgage Rates
Mortgage Specials
Loan Type
Maximum Term
Interest Rate
APR
Payment per $1000 Financed
Loan Type
5/1 Year ARM Special
Maximum Term
30 Years
Interest Rate
5.625%
APR
6.287%
Payment per $1000
$5.76
Rate shown includes a 0.25% discount for automatic payments from a CSB account.
Construction Loans
Type
Maximum Terms
Points
Interest Rate
APR
Payment per $1000
Type
Fixed Rate
Maximum Terms
10 Years
Points
0.000
Interest Rate
6.750%
APR
6.931%
Payment per $1000
$11.48
Type
Fixed Rate
Maximum Terms
15 Years
Points
0.000
Interest Rate
6.875%
APR
7.005%
Payment per $1000
$8.92
Type
Fixed Rate
Maximum Terms
20 Years
Points
0.000
Interest Rate
7.125%
APR
7.230%
Payment per $1000
$7.83
Type
Fixed Rate
Maximum Terms
30 Years
Points
0.000
Interest Rate
7.125%
APR
7.206%
Payment per $1000
$6.74
Land Loans
Loan Type
Maximum Term
Interest Rate
APR
Payment per $1000 Financed
Caps
Loan Type
3/1 Year ARM
Maximum Term
20 Years
Interest Rate
7.000%
APR
7.501%
Payment per $1000 Financed
$7.75
Caps
2/6
Loan Type
5/1 Year ARM
Maximum Term
20 Years
Interest Rate
7.250%
APR
7.587%
Payment per $1000 Financed
$7.90
Caps
2/6
All Land Loan rates shown reflect 0.000 points.
Home Equity Loans
Loan Type
Maximum Term
Interest Rate
APR
Payment per $1000 Financed
Caps
Loan Type
10 Year Fixed Conventional
Maximum Term
10 Years
Interest Rate
7.250%
APR
7.353%
Payment per $1000 Financed
$11.74
Caps
n/a
Loan Type
15 Year Fixed Conventional
Maximum Term
15 Years
Interest Rate
7.375%
APR
7.449%
Payment per $1000 Financed
$9.20
Caps
n/a
Loan Type
HELOC
Maximum Term
20 Years
Interest Rate
6.490%
APR
6.490%
Payment per $1000 Financed
$7.45
Caps
18%
All Land Loan rates shown reflect 0.000 points. Fixed Home Equity Loan APRS include a $175.00 processing fee and $275.00 underwriting fee. HELOCS have 10-year draw period followed by a 10 year fully amortized Principal and Interest repayment period.
Mobile Homes in Parks / on Leased Land
Loan Type
Maximum Term
Points
Interest Rate
APR
Payment per $1000 Financed
Loan Type
Fixed Rate
Maximum Term
10 Years
Points
0
Interest Rate
7.500
APR
7.684%
Payment per $1000 Financed
$11.87
Loan Type
Fixed Rate
Maximum Term
15 Years
Points
0
Interest Rate
7.625%
APR
7.757%
Payment per $1000 Financed
$9.34
Loan Type
Fixed Rate
Maximum Term
20 Years
Points
0
Interest Rate
7.875%
APR
7.983%
Payment per $1000 Financed
$8.29
Mobile Homes in parks/on leased land need to be 1976 or newer.
Mortage Loan Rates
- All Loans subject to credit and underwriting approval
- Interest rates and programs subject to change without notice
- Certain restrictions may apply
- Annual Percentage Rates (APRs) assume a 20% down payment and are based upon a $100,000 loan including a $524.00 processing fee and $275.00 underwriting fee
- Rate adjustments may apply for certain transactions types, credit score and loan-to-value. Contact a loan officer for details.
- Payments do not include taxes and insurance
- Private mortgage insurance (PMI) required on loans with less than 20% down
- Variable rates may increase over the term of the loan
- ARM Floor rates equal interest rate or 5%, whichever is less
- Construction loans available – one closing only, restrictions may apply
- Dartmouth College and DHMC employee discount
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