Today's Rates
Deposit Rates Effective Date: July 23, 2010
| Certificate of Deposit/IRA | Interest Rate | Annual Percentage Yield (APY)(1) |
|
$1,000 minimum to open account |
$1,000 minimum to obtain APY | ||
| 1-90 days | 0.40% | 0.40% | |
| 91-180 days | 0.50% | 0.50% | |
| 181-364 days | 0.60% | 0.60% | |
| 12-23 months | 1.00% | 1.00% | |
| 24-35 months | 1.49% | 1.50% | |
| 36-47 months | 1.98% | 2.00% | |
| 48-59 months | 1.98% | 2.00% | |
| 60 month | 2.71% | 2.75% | |
| A penalty may be imposed for withdrawals before maturity. | |||
| Safe Harbor Savings Account | Interest Rate | Annual Percentage Yield (APY)(1) |
|
| $100 minimum to open account | Minimum to obtain APY by tiers | ||
| $100 - $4,999.99 | 0.30% | 0.30% | |
$5,000 + |
0.50% | 0.50% | |
Safe Harbor Savings Account with Checking Account |
Interest Rate | Annual Percentage Yield (APY)(1) |
|
| $100 minimum to open account | Minimum to obtain APY by tiers | ||
$100 - $4,999.99 |
0.30% | 0.30% | |
$5,000 + |
0.90% | 0.90% | |
| Statement Savings Account | Interest Rate | Annual Percentage Yield (APY)(1) |
|
| $100 minimum to open account | $100 minimum to obtain APY | ||
| 0.30% | 0.30% | ||
| Kids River Otter Savings Account | Interest Rate | Annual Percentage Yield (APY)(1) |
|
| $10 minimum to open account | $10 minimum to obtain APY | ||
| 0.80% | 0.80% | ||
| NOW Checking Account | Interest Rate | Annual Percentage Yield (APY)(1) |
|
| $100 minimum to open account | $100 minimum to obtain APY | ||
| 0.20% | 0.20% | ||
| Money Market Account | Interest Rate | Annual Percentage Yield (APY)(1) |
|
| $50 minimum to open account | Minimum to obtain APY by tiers | ||
| $50 - $49,999.99 | 0.25% | 0.25% | |
| $50,000 - $249,999.99 | 0.50% | 0.50% | |
| $250,000 - $499,999.99 | 0.65% | 0.65% | |
| $500,000 + | 0.75% | 0.75% | |
| Flagship Money Market Account | Interest Rate | Annual Percentage Yield (APY)(1) |
|
| $50 minimum to open account | Minimum to obtain APY by tiers | ||
| $50 - $49,999.99 | 0.50% | 0.50% | |
| $50,000 - $249,999.99 | 0.65% | 0.65% | |
| $250,000 - $499,999.99 | 0.75% | 0.75% | |
| $500,000 + | 0.90% | 0.90% | |
(1) Annual Percentage Yield
Fees may reduce earnings on accounts that do not maintain the required minimum balance.
Each depositor insured to at least $250,000 by the FDIC.
IRA deposits are FDIC insured up to $250,000.
IOLTA/IORETA Checking Account Rate and APY are the same as NOW Checking Accounts.
Rates subject to change without notice.
Penalties for early withdrawal may apply.
For rates on deposits over $500,000 please speak with a Branch Manager.
Call us at:
Wethersfield office at 860-513-1099
Glastonbury office at 860-734-2100West Hartford office at 860-761-9966
Lending Rates -
RESIDENTIAL MORTGAGE RATES
Effective July 23, 2010
The information listed is general information, meaning that the interest rate, terms, and fees available to you may differ based upon your unique factors.
The illustrated Rates, Points, and Annual Percentage Rate (APR) are based upon purchase of an Owner Occupied 1-4 family Connecticut residence only, with a minimum of a 20% down payment, $150,000 loan, 740+ FICO Scores, and 60 day price lock.
Property insurance required.
Monthly payment does not include required taxes and homeowners insurance.
+ Offer of Credit Subject to Credit Approval
++ Rates Subject to Change Without Prior Notice
+++ Additional Rate quotes available for 2-4 family units, investment, and second
homes.
FIXED RATES
Conventional
1st Mortgages Interest Points APR Monthly Payment
up to $417,000 Rate Based on $150,000 loan
| 15 Year | 3.990% |
0 |
4.214% |
180 monthly payments of $ 1,108.78 |
| 15 Year | 3.625% |
1.50 |
4.109% |
180 monthly payments of $ 1,081.56 |
| 30 Year | 4.500% |
0 |
4.631% |
360 monthly payments of $ 760.03 |
| 30 Year | 4.250% |
1.25 |
4.487% |
360 monthly payments of $ 737.91 |
| 30 Year FHA* | 4.750% |
0 |
5.441% |
360 monhtly payments of $ 868.35 |
* FHA: 3.5% down payment, mortgage insurance is included in illustrated example.
Minimum of 620 FICO Score, 1-4 family owner occupied property only.
Loans over $417,000 call for pricing.
Jumbo
1st Mortgages Interest Points APR Monthly Payment
$417,001 to $1 Mil. Rate Based on $450,000 loan
| 30 Year Fixed | 5.375% |
0 |
5.435% |
360 monthly payments of $ 2,519.87 |
ADJUSTABLE RATES**
1st Mortgages Interest Points APR Monthly Payment
up to $1 Million Rate Based on $150,000 loan
| 3/1 ARM- 30 Year | 4.125% |
|
4.330% |
360 monthly payments of $ 726.97 |
| 5/1 ARM- 30 Year | 5.625% |
1 |
5.858% |
360 monthly payments of $ 863.48 |
** The interest rate and payments are based on the current index. Changes in the index may cause the interest rate and payments to change. Rate may increase after consummation on ARM products.
For more information, please call:
Mel Koshar
Residential Mortgage Manager
(860) 734-2106 (Glastonbury Office)
(860) 214-8340 (Cell)
CONSUMER LOAN RATES Effective July 27 , 2010
Home Equity Products Rate APR* Maximum Rate
Home Equity Line (Variable)* Wall Street Journal 4.25% 18.00%
Prime Rate + 1%
*Annual Percentage Rate may vary. Rate and monthly payment may increase after consummation.
Home Equity Loan (Fixed) Rate APR* Monthly Payment per
$1,000 Borrowed
| Five Year | 6.50% |
6.50% |
60 monthly payments of $19.57 |
| Ten Year | 7.50% |
7.50% |
120 monthly payments of $11.87 |
| Fifteen Year | 7.75% |
7.75% |
180 monthly payments of $9.41 |
- First and Second Mortgage Positions only.
- Maximum LTV of 80%.
- Loan amounts from $25,000 to $250,000. Rate quotes are available for loans greater than $250,000.
- A prepayment penalty of $400 will apply if the line of credit is paid in full and closed within the first two years.
- Rates apply for borrowers with minimum Credit Scores of 680 and maximum D/I of 38%
- Payment amounts do not include tax and insurance payments.
- Property insurance required.
- Interest Rate may be reduced by .25% if payments are debited from an account at Connecticut River Community Bank.
The above Rates and Terms apply to owner occupied Connecticut property ONLY.
Other Consumer Loan Products Rate APR* Minimum Loan Amount is $2,000
| Auto Loan (new) | 6.75% |
6.75% |
| Auto Loan (used) | 8.50% |
8.50% |
| Personal Loan (secured) | 12.00% |
12.00% |
| Overdraft Line of Credit (unsecured) | 12.00% |
12.00% |
* ANNUAL PERCENTAGE RATE
For more information, please call:
Wethersfield Office: Glastonbury Office: West Hartford Office:
Cynthia Langlais Susan Philipchik Colleen Bobe
Personal Banker Vice President Personal Banker
(860) 761-6927 (860) 734-2120 (860) 761-9966
