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Rates effective as of October 4, 2022

Deposit Rates   |  Personal CD 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.

 

Kasasa Cash Checking* Learn More

Balance Minimum to Open Rate APY
0 - $25,000 $25 1.9819% 2.00%
Amounts over $25,000 $25 0.1499% 0.15%
All balances if qualifications not met $25 0.01% 0.01%

*Qualifications

Monthly qualification cycle (MQC) – the period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle.

Qualifications - To qualify for rewards and the ATM fees refund, you must meet the following requirements per MQC:

  • Debit Cards: 12 debit card purchases (excluding ATM transactions) must post and clear your account.
  • Electronic Statements: Receive your monthly account statement electronically.
  • Online Banking: Access Online Banking or Mobiliti at least once.

You will qualify automatically for the first qualification cycle. 

When your Kasasa Cash account qualifications are met during a MQC:

  • Tier 1 - An interest rate of 1.9819% will be paid on the portion of your daily balance that is less than or equal to $25,000.00. The APY is 2.00%.
  • Tier 2 - An interest rate of 0.1499% will be paid on the portion of your daily balance that is greater than $25,000.00. The APY will range from 0.15% to 2.00%, depending on the account’s daily balance.
  • When your Kasasa Cash account qualifications are not met, the interest rate paid on the entire balance will be 0.01% with an APY of 0.01%.

Interest compounds monthly and is credited to your account on the last day of your statement cycle.  

ATM fees refund - If you have met your qualifications for the MQC, we will refund ATM fees imposed by other U.S. financial institutions, up to an aggregate amount of $25.00 per MQC and deposit them into your account on the last day of your statement cycle.

Effect of closing account - If the account is closed before the ATM refunds are credited to it, you will not receive the refunds.

Rates are variable and may change after account is opened without notice to you. Notice of adverse changes to rewards or bonuses will be provided at least 30 days prior to change. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. There are no recurring monthly maintenance charges or fees to open or close these accounts. Mobile Carrier Fees may apply.

Ultimate Checking Learn More

Minimum Balance to obtain APY Minimum to Open Rate APY
$0.01 $50 .03% .03%
$50,000.00 $50 .05% .05%
$250,000 $50 .05% .05%

Kasasa Saver* Learn More

Balance Minimum to Open Rate APY
0 - $100,000 $10 0.2996% 0.30%
Amounts over $100,000 $10 0.1988% 0.20%
All balances if qualifications not met $10 0.01% 0.01%

*Qualifications

Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases (excluding ATM transactions)
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking or Mobiliti

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month.

Health Savings Account Learn More

Balance Minimum to Open Rate APY
$0 $1 0.25% 0.25%
$10,000 $1 0.25% 0.25%
$50,000 $1 0.25% 0.25%

Money Market Learn More

Balance to Obtain APY Minimum to Open Rate APY
$100 $500 0.05% 0.05%
$50,000 $500 0.10% 0.10%
$100,000 $500 0.20% 0.20%
$250,000 $500 0.20% 0.20%
$500,000 $500 0.20% 0.20%
$1,000,000 $500 0.30% 0.30%

Other Deposit Accounts

Account Minimum to Open Minimum to Obtain APY Rate APY
Statement Savings $10 $100 0.03% 0.03%
KidSaver Statement Savings $1 $10 0.03% 0.03%
Savings Club $10 $10 0.03% 0.03%
Variable Rate Retirement CD1 $100 $0 0.15% 0.15%
Escrow Accounts n/a $0 0.03% 0.03%

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

Personal Certificates of Deposit (CDs) Learn More

Term Minimum to Open Rate APY
6 month $500 0.15% 0.15%
12 months $500 0.25% 0.25%
24 months $500 0.35% 0.35%
36 months $500 0.40% 0.40%
48 months $500 0.45% 0.45%
60 months $500 0.50% 0.50%

Early withdrawals are subject to penalty. Rates subject to change. 

KidSaver CDs

Type Minimum to Open Rate APY
Toucan CD (1-3 years) $100 0.35% 0.35%

Penalty for early withdrawal may be imposed. Rates subject to change. 

Consumer Loan Rates

Auto Loans Learn More

Year Maximum Terms Interest Rate APR Payment per $1000 Down Payment
2021 - 2022 72 months 4.50% 4.90%^ $15.87 0%
2019- 2020** 60 months 4.99% 5.46%^ $18.87 10%
2017 - 2018** 48 months 5.99% 6.58%^ $23.48 10%
2016 or older** 36 months 6.99% 7.77%^ $30.87 20%

^Payments are based on a loan amount of $10,000.00. $55.00 processiong fee applies. Insurance required. Certain restrictions may apply.

Motorcycle Loans

Year Maximum Terms Interest Rate APR Payment per $1000 Down Payment
2021 - 2022 72 months 6.99% 7.40% $17.04 0%
2017 - 2020** 60 months 7.99% 8.48% $20.27 10%
2016 or older** 36 months 8.99% 9.78% $31.80 20%

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

Year Maximum Terms Interest Rate APR Payment per $1000 Down Payment
2021 - 2022 72 months 6.50% 6.91% $13.39 10%
2018 - 2020 72 months 7.25% 7.66% $13.76 10%
2017 or older 48 months 8.75% 9.35% $24.77 20%

Boats (New/Used) Learn More

Year Maximum Terms Interest Rate APR Payment per $1000 Down Payment
2021 - 2022 72 months 6.99% 7.40% $13.63 10%
2018 - 2020 72 months 7.75% 8.16% $14.01 10%
2017 or older 48 months 8.75% 9.35% $24.77 20%

Utility Equipment (Snow Machines, 4 Wheelers, Utility Trailers with Titles) Learn More

Year Maximum Terms Interest Rate APR Payment per $1000 Down Payment
2021 - 2022 48 months 8.75% 9.35% $24.77 20%
2017 - 2020** 48 months 9.75% 10.36% $25.24 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% 8.23% $20.39

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 loan
  • 0.50% deduction for auto-debit payments, from a Claremont Savings Bank checking account, on all consumer loans shown
  • Add 1.00% with credit score below 675 on all consumer loans with exception of deposit secured, NH saves and short term notes
  • $55 processing fee applies to all consumer loans
  • **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 6.125% 6.292% $11.16
Fixed Rate 15 Years 0 6.125% 6.243% $8.51
Fixed Rate 20 Years 0 6.250% 6.345% $7.31
Fixed Rate 30 Years 0 6.375% 6.447% $6.24
Fixed Rate Jumbo* 30 Years 0 5.875% 5.886% $5.92

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 >$647,200. APR based on loan amount of $647,200 including a $495.00 processing fee and $250.00 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 6.500% 6.573% $6.32

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 6.125% 6.292% $11.16
Fixed Rate 15 Years 0 6.500% 6.619% $8.71
Fixed Rate 20 Years 0 6.625% 6.721% $7.53
Fixed Rate 30 Years 0 6.750% 6.824%  $6.49

 

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 4.750% 4.767% $6.46 2/6
5/1 Year ARM 20 Years 0 5.000% 5.427% $6.60 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 5.250% 5.344% $10.73 n/a
15 Year Fixed Conventional 15 Years 0 5.750% 5.817% $8.30 n/a
HELOC 20 Years 0 4.990% 4.990% $6.59 18%

Fixed Home Equity Loan APRS include a $175.00 processing fee and $250.00 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 6.125% 6.292% $11.16
Fixed Rate 15 Years 0 6.500% 6.619% $8.71
Fixed Rate 20 Years 0 6.625% 6.721% $7.53
Fixed Rate 30 Years 0 6.750% 6.824%  $6.49

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 6.000% 6.167% $11.10
Fixed Rate 15 Years 0 6.250% 6.369% $8.57
Fixed Rate 20 Years 0 6.500% 6.596% $7.46

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 $495.00 processing fee and $250.00 underwriting fee
  • Add 0.125% to the interest rate with credit score of 660-699; add 0.250% to the interest rate with a credit score of 659 or less
  • 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