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.
High Yield Money Market Account
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| Minimum to Open |
Minimum to Earn APY |
Rate |
APY |
| $25.00 |
$.01 - $49,999.99 |
1.00% |
1.00% |
| $25.00 |
$50,000.00 - $249,999.99 |
2.47% |
2.50% |
| $25.00 |
$250,000.00 - $499,999.99 |
2.72% |
2.75% |
| $25.00 |
$500,000.00 and up |
3.59% |
3.65% |
Limited Time Certificates of Deposit Specials
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| Term |
Minimum to Open |
Rate |
APY |
Minimum to Obtain APY |
| 3-Month (New money required with option for match or existing funds) |
$500.00 |
4.07% |
4.15% |
$0.01 |
| 7-Month |
$500.00 |
3.93% |
4.00% |
$0.01 |
| 11-Month |
$5,000.00 |
3.64% |
3.70% |
$0.01 |
| 18-Month |
$500.00 |
3.20% |
3.25% |
$0.01 |
Fixed Rate Certificates of Deposit
| Term |
Minimum to Open |
Rate |
APY |
Minimum to Obtain APY |
| 6 Months |
$500.00 |
0.15% |
0.15% |
$0.01 |
| 12 Months |
$500.00 |
0.25% |
0.25% |
$0.01 |
| 24 Months |
$500.00 |
0.35% |
0.35% |
$0.01 |
| 36 Months |
$500.00 |
0.40% |
0.40% |
$0.01 |
| 48 Months |
$500.00 |
0.45% |
0.45% |
$0.01 |
| 60 Months |
$500.00 |
0.50% |
0.50% |
$0.01 |
| KidSaver Toucan CD (12 - 36 Months) |
$100.00 |
0.35% |
0.35% |
$0.01 |
Money Market Checking
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| Minimum to Open |
Minimum to Earn APY |
Rate |
APY |
| $1,000.00 |
$1,000.00 - $49,999.99 |
.05% |
.05% |
| $1,000.00 |
$50,000.00 - $99,999.99 |
.35% |
.35% |
| $1,000.00 |
$100,000.00 - $499,999.99 |
.45% |
.45% |
| $1,000.00 |
$500,000.00 -$999,999.99 |
.45% |
.45% |
| $1,000.00 |
$1,000,000.00 and over |
.55% |
.55% |
| |
Minimum to Open |
Minimum to Earn APY |
Rate |
APY |
| With Qualifying Checking Account |
$10 |
$.01 |
0.30% |
0.30% |
| Statement Savings |
$10 |
$.01 |
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
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| Minimum to Open |
Minimum to Earn APY |
Rate |
APY |
| $1 |
$.01 |
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
| Year |
Maximum Terms |
Interest Rate |
APR |
Payment per $1000 |
Down Payment |
| 2024 - 2025 |
72 months |
7.75% |
8.16%* |
$17.41 |
0% |
| 2022 - 2023** |
60 months |
8.25% |
8.74%* |
$20.40 |
10% |
| 2020 - 2021** |
48 months |
8.50% |
9.10%* |
$24.65 |
10% |
| 2019 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 |
| 2024 - 2025 |
72 months |
8.99% |
9.41% |
$18.02 |
0% |
| 2020 - 2023** |
60 months |
9.50% |
10.00% |
$21.00 |
10% |
| 2019 or older** |
36 months |
12.00% |
12.80% |
$33.21 |
20% |
Campers/Fifth Wheeler/Motorhomes (New/Used)
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| Year |
Maximum Terms |
Interest Rate |
APR |
Payment per $1000 |
Down Payment |
| 2024 - 2025 |
72 months |
9.00% |
9.42% |
$18.03 |
10% |
| 2021 - 2023 |
72 months |
9.50% |
9.92% |
$18.27 |
10% |
| 2020 or older |
48 months |
11.00% |
11.61% |
$25.85 |
20% |
| Year |
Maximum Terms |
Interest Rate |
APR |
Payment per $1000 |
Down Payment |
| 2024 - 2025 |
72 months |
9.25% |
9.67% |
$18.15 |
10% |
| 2021 - 2023 |
72 months |
10.25% |
10.67% |
$18.65 |
10% |
| 2020 or older |
48 months |
11.25% |
11.86% |
$25.97 |
20% |
Snow Machines, 4 Wheelers, and Utility Trailers with Titles
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| Year |
Maximum Terms |
Interest Rate |
APR |
Payment per $1000 |
Down Payment |
| 2024 - 2025 |
48 months |
8.99% |
9.60% |
$24.88 |
20% |
| 2020 - 2023** |
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
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| Type |
Maximum Term |
Interest Rate |
APR |
Payment per $1000 |
| Personal Loan** |
48 months |
14.00% |
14.30% |
$27.33 |
Home Improvement Loans
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| Type |
Maximum Terms |
Maximum Amount |
Interest Rate |
APR |
Payment per $1000 |
| Home Improvement Loan* |
60 months |
$15,000 |
9.25% |
9.49%* |
$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
| Loan Type |
Maximum Term |
Points |
Interest Rate |
APR |
Payment per $1000 Financed |
| Fixed Rate |
10 Years |
0.000 |
7.250% |
7.433% |
$11.74 |
| Fixed Rate |
15 Years |
0.000 |
7.375% |
7.506% |
$9.20 |
| Fixed Rate |
20 Years |
0.000 |
7.625% |
7.732% |
$8.13 |
| Fixed Rate |
30 Years |
0.000 |
7.625% |
7.708% |
$7.08 |
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 |
7.500% |
7.968% |
$8.06 |
2/6 |
| 5/1 Year ARM |
20 Years |
0.000 |
7.625% |
8.011% |
$8.13 |
2/6 |
| 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 |
7.500% |
7.574% |
$9.27 |
n/a |
| HELOC |
20 Years |
0 |
6.990% |
6.990% |
$7.75 |
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 in Parks / on Leased Land
| Type |
Maximum Term |
Points |
Interest Rate |
APR |
Payment per $1000 Financed |
| Fixed Rate |
10 Years |
0 |
8.000% |
8.186% |
$12.13 |
| Fixed Rate |
15 Years |
0 |
8.125% |
8.259% |
$9.63 |
| Fixed Rate |
20 Years |
0 |
8.375% |
8.485% |
$8.60 |
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
