Skip to content

Rates effective as of April 15, 2024

Deposit Rates   |   Auto Loans Rates  |  Consumer Loans Rates  |  Mortgage Rates

 

Deposit Rates

APY = Annual Percentage Yield. The Annual Percentage Yield shown is accurate for the first date of the period shown. Please contact us to obtain the current APY. 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.

Please call for Personal CD rates. 

High Yield Money Market Account Learn More

Balance Minimum to Open Rate APY
$.01 - $49,999.99 $25.00 1.98% 2.00%
$50,000.00 - $249,999.99 $25.00 3.93% 4.00%
$250,000.00 - $499,999.99 $25.00 4.17% 4.25%
$500,000.00 - $4,999,999.99 $25.00 4.41% 4.50%
$5,000,000.00 and up $25.00 .03% .03%

Ultimate Checking Learn More

Balance Minimum to Open Rate APY
$.01 - $25,000 $25.00 1.9819% 2.00%
Amounts over $25,000 $25.00 0.1499% 0.15%
All balances if qualifications not met $25.00 0.01% 0.01%

Money Market Checking Learn More

Balance Minimum to Open Rate APY
$1,000.00 - $49,999.99 $1,000.00 .05% .05%
$50,000.00 - $99,999.99 $1,000.00 .35% .35%
$100,000.00 - $249,999.99 $1,000.00 .45% .45%
$250,000.00 - $499,999.99 $1,000.00 .45% .45%
$500,000.00 -$999,999.99 $1,000.00 .45% .45%
$1,000,000.00 and over $1,000.00 .55% .55%

Savings Learn More

  Balance Minimum to Open Rate APY
With Qualifying Checking Account .01% $10 0.2996% .30%
Without Qualifying Checking Account .01% $10 0.03% 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 Learn More

Balance Minimum to Open Rate APY
$0.01 $1 0.25% 0.25%

Other Deposit Accounts

Account Minimum to Open Minimum to Obtain APY Rate APY
Variable Rate Retirement CD1 $100 $0.01 0.15% 0.15%

1Twelve Month Term; Penalty for early withdrawal may be imposed; Rate and yield matches 6 Month Fixed Rate CD

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.

Consumer Loan Rates

Auto Loans Learn More

Year Maximum Terms Interest Rate APR Payment per $1000 Down Payment
2023 - 2024 72 months 7.75% 8.16%^ $17.41 0%
2021 - 2022** 60 months 8.25% 8.74%^ $20.40 10%
2019 - 2020** 48 months 8.50% 9.10%^ $24.65 10%
2018 or older** 36 months 12.00% 12.80%^ $33.21 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
2023 - 2024 72 months 8.99% 9.41% $18.02 0%
2019 - 2022** 60 months 9.50% 10.00% $21.00 10%
2018 or older** 36 months 12.00% 12.80% $33.21 20%

Campers/Fifth Wheeler/Motorhomes (New/Used) Learn More

Year Maximum Terms Interest Rate APR Payment per $1000 Down Payment
2023 - 2024 72 months 9.00% 9.42% $18.03 10%
2020 - 2022 72 months 9.50% 9.92% $18.27 10%
2019 or older 48 months 11.00% 11.61% $25.85 20%

Boats (New/Used) Learn More

Year Maximum Terms Interest Rate APR Payment per $1000 Down Payment
2023 - 2024 72 months 9.25% 9.67% $18.15 10%
2020 - 2022 72 months 10.25% 10.67% $18.65 10%
2019 or older 48 months 11.25% 11.86% $25.97 20%

Snow Machines, 4 Wheelers, and Utility Trailers with Titles Learn More

Year Maximum Terms Interest Rate APR Payment per $1000 Down Payment
2023 - 2024 48 months 8.99% 9.60% $24.88 20%
2019 - 2022** 48 months 9.99% 10.60% $25.36 20%

Equipment (Personal Use)

Year Maximum Terms Interest Rate APR Payment per $1000 Down Payment
New 72 months 8.99% 9.32% $18.02 20%
Used 48 months 9.50% 9.97% $25.12 20%

Personal Unsecured Loans Learn More

Type Maximum Term Interest Rate APR Payment per $1000
Personal Loan** 48 months 14.00% 14.30% $27.33

Home Improvement Loans Learn More

Type Maximum Terms Maximum Amount Interest Rate APR Payment per $1000
Home Improvement Loans* 60 months $15,000 8.00%* 8.00%* $20.40

*The Annual Percentage Rate (APR) shown is accurate from 3/22/24 to 10/1/24 with auto-deduction from a Claremont Savings Bank deposit account. Interest rate and APR are 8.25% without auto-deduct from a CSB deposit account. Add 1.00% with credit score below 700. This is for closed-end loans only. Additional fees may apply. Offer of credit is subject to credit approval. Rates and programs are subject to change without notice.

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
  • 0.25% deduction for auto-debit payments, from a Claremont Savings Bank checking account, on all consumer loans shown
  • Add 1.00% with credit score below 700 on all consumer loans with exception of deposit secured, NH saves, flood loans, and short term notes
  • $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

Fixed Rate Mortgages Learn More

Loan Type Maximum Term Points Interest Rate APR Payment per $1000 Financed
Fixed Rate 10 Years 0.000 7.125% 7.308% $11.68
Fixed Rate 15 Years 1.125 7.000% 7.315% $8.99
Fixed Rate 15 Years 0.875 7.125% 7.399% $9.06
Fixed Rate  15 Years 0.625 7.250% 7.484% $9.13
Fixed Rate 15 Years 0.375 7.375% 7.568% $9.20
Fixed Rate 20 Years 0.750 7.125% 7.329% $7.83
Fixed Rate 20 Years 0.500 7.250% 7.422% $7.90
Fixed Rate 20 Years 0.250 7.375% 7.514% $7.98
Fixed Rate 20 Years 0.000 7.500% 7.607% $8.06
Fixed Rate 30 Years 1.000 6.750% 6.929% $6.49
Fixed Rate 30 Years 0.625 6.875% 7.017% $6.57
Fixed Rate 30 Years 0.250 7.000% 7.105% $6.65
Fixed Rate 30 Years 0.000 7.125% 7.206% $6.74
Fixed Rate Jumbo* 30 Years 0.000 7.375% 7.386% $6.91

15 Year Fixed Rate Mortgage, 20 Year Fixed Rate Mortgage, and 30 Year Fixed Rate Mortgage are saleable loans. Servicing retained at Claremont Savings Bank.

*Jumbo Loan: loans >$766,550. APR based on loan amount of $766,550 including a $524.00 processing fee and $275.00 underwriting fee. 30 year fixed rate. Single family primary residence. 80% LTV, 20% down payment required. Credit score of >700. 

NH Rural Development

Loan Type Maximum Term Points Interest Rate APR Payment per $1000 Financed
Fixed Rate 30 Years 0.000 7.250% 7.332% $6.82

Rural Development loans feature a $50,000 minimum loan amount. Please contact us for details.

Construction Loans Learn More

Loan Type Maximum Term Points Interest Rate APR Payment per $1000 Financed
Fixed Rate 10 Years 0.000 7.125% 7.308% $11.68
Fixed Rate 15 Years 0.000 7.750% 7.883% $9.41
Fixed Rate 20 Years 0.000 7.750% 7.858% $8.21
Fixed Rate 30 Years 0.000 7.375% 7.457%  $6.91

 

Additional fees apply to construction loans: $550 construction fee and $700 inspection fee.

Land Loans

Loan Type Maximum Term Points Interest Rate APR Payment per $1000 Financed Caps
3/1 Year ARM 20 Years 0.000 7.625% 10.498% $8.13 2/6
5/1 Year ARM 20 Years 0.000 7.750% 10.543% $8.21 2/6

Home Equity Loans Learn More

Loan Type Maximum Term Points Interest Rate APR Payment per $1000 Financed Caps
10 Year Fixed Conventional 10 Years 0 7.375% 7.479% $11.81 n/a
15 Year Fixed Conventional 15 Years 0 7.990% 8.066% $9.55 n/a
HELOC 20 Years 0 7.125% 7.125% $7.83 18%

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 on Land

Type Maximum Term Points Interest Rate APR Payment per $1000 Financed
Fixed Rate 10 Years 0.000 7.125% 7.308% $11.68
Fixed Rate 15 Years 0.000 7.750% 7.883% $9.41
Fixed Rate 20 Years 0.000 7.750% 7.858% $8.21
Fixed Rate 30 Years 0.000 7.375% 7.457% $6.91

 

15 years or newer - max term 30 years; 16 years old to 1977 - max term 25 years; 1976 and older - max term 15 years.

Mobile Homes in Parks / on Leased Land

Type Maximum Term Points Interest Rate APR Payment per $1000 Financed
Fixed Rate 10 Years 0 8.125% 8.311% $12.20
Fixed Rate 15 Years 0 8.750% 8.887% $9.99
Fixed Rate 20 Years 0 8.750% 8.862% $8.84

Mobile Homes in parks/on leased land need to be 1976 or newer.

Mortgage 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