FHLB Affordable Rate Program (15-Year): This program is offered through FHLB Cincinnati at up to two percentage points below market rates. Household income must be less than or equal to 80 percent of the FHFA Area Median Income. Other criteria apply; please click here for full details and requirements. The Interest Rate is 4.5% and the Annual Percentage Rate (“APR”) is 4.659%. There will be 179 monthly payments with a 180th 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 179 monthly payments of $1223.99 each and a 180th and final payment of $1223.72. 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 9, 2026 and assumes a loan-to-value of 80%. Click here for full details: https://www.thesavingsbankohio.bank/product/affordable-rate-program-15-year.html

FHLB Affordable Rate Program (30-Year): This program is offered through FHLB Cincinnati at up to two percentage points below market rates. Household income must be less than or equal to 80 percent of the FHFA Area Median Income. Other criteria apply; please click here for full details and requirements. The Interest Rate is 5.0% and the Annual Percentage Rate (“APR”) is 5.093%. 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 $858.91 each and a 360th and final payment of $862.51. 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 9, 2026 and assumes a loan-to-value of 80%. Click here for full details: https://www.thesavingsbankohio.bank/product/affordable-rate-program-30-year.html

5/1 ARM: Click here for more details: https://www.thesavingsbankohio.bank/product/adjustable-rate-mortgage.html

15-Year Fixed Mortgage: The Interest Rate is 6.875% and the Annual Percentage Rate (“APR”) is 7.045%. There will be 179 monthly payments with a 180th 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 179 monthly payments of $1,426.97 each and a 180th and final payment of $1,426.03. 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 October 1, 2026 and assumes a loan-to-value of 80%.

30-Year Fixed Mortgage: The Interest Rate is 7.5% and the Annual Percentage Rate (“APR”) is 7.609%. 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 $1,116.35 each and a 360th and final payment of $1,123.33. 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 October 1, 2026 and assumes a loan-to-value of 80%.

Member FDIC/Equal Housing Lender (NMLS# 462552)