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CD Specials
| CD Term | Interest Rates | APY |
|---|---|---|
| 3-MONTH CD | 3.40% | 3.46% |
| 9-MONTH CD | 4.31% | 4.40% |
| 13-MONTH CD | 4.95% | 5.07% |
Interest rate is fixed for the term of the certificate. The 3-month CD renews automatically to a 6-month term at maturity. The 9-month CD renews automatically to a 12-month term at maturity. The 13-month CD renews automatically to a 12-month term at maturity. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Featured 3-month, 9-month, and 13-month CD specials have a $1,000 minimum to open. Interest begins to accrue on the business day you deposit noncash items (for example, checks). We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. If you close your account before interest is credited, you will receive the accrued interest. Rates accurate as of July 5, 2023.
Mortgage Rates
| Mortgage Term | Mortgage Rate |
|---|---|
|
10-Yr Fixed-Rate Balloon with 30-Yr Amortization (Non FNMA Product) |
8.125% Interest Rate (8.287% APR) |
| 30-Year Fixed Mortgage | 7.125% Interest Rate (7.231% APR) |
| Residential Land Loan (10-Yr Fixed-Rate Balloon with 20-Yr Amortization) | 8.5% Interest Rate (8.644% APR) |
Fixed-Rate Balloon with 30-Year Amortization: The Interest Rate is 8.125% and the Annual Percentage Rate (“APR”) is 8.287%. There will be 119 monthly payments based on a 360-month amortization schedule, with a 120th and final balloon payment in an amount sufficient to pay off the entire remaining balance of the loan. For example, a $160,000 loan will be repaid in 119 monthly payments of $1,188.00 each and a 120th and final balloon payment in the amount of $141,905.63. These payments do not include taxes and required insurance, and the actual payment amounts will be greater. Interest Rate and APR are subject to change without notice and may vary based on the creditworthiness of the borrower, loan-to-value, loan amount, and loan purpose. The APR is effective September 22, 2023 and assumes a loan-to-value of 80%.
30-Year Fixed Mortgage: The Interest Rate is 7.125% and the Annual Percentage Rate (“APR”) is 7.231%. There will be 359 monthly payments with a 360th and final payment in an amount sufficient to pay off the remaining balance of the loan. For example, a $160,000 loan will be repaid in 359 monthly payments of $1,077.95 each and a 360th and final payment of $1,077.28. These payments do not include taxes and required insurance, and the actual payment amounts will be greater. Interest Rate and APR are subject to change without notice and may vary based on the creditworthiness of the borrower, loan-to-value, loan amount, and loan purpose. The APR is effective September 22, 2023 and assumes a loan-to-value of 80%.
Residential Land Loan: Click here for more details: https://www.thesavingsbankohio.bank/product/land-loans.html
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