LENDING RATES

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Find a loan at a great rate with our flexible financing options, open communication, & personalized service. For loan amounts greater than $647,200 please contact a Mortgage Loan Officer or Branch Manager for interest rates.

Lending Rates

Rates as of Monday 06/27/2022 4:45 PM EST

Mortgages
Home Equity
Personal & Auto

Conventional fixed rate mortgages View Assumptions & Disclosure >

loan term	Points	rate	annual percentage rate1	Payment Per $10,000 2	Apply Now
30 Year	2.00% 1.00% 0.00%	4.750% 5.000% 5.250%	5.077% 5.240% 5.401%	$52.16 $53.68 $55.22	APPLY NOW
20 Year	2.00% 1.00% 0.00%	4.625% 4.875% 5.125%	5.070% 5.199% 5.329%	$63.94 $65.31 $66.69	APPLY NOW
15 Year	2.00% 1.00% 0.00%	4.00% 4.250% 4.500%	4.557% 4.655% 4.754%	$73.97 $75.23 $76.50	APPLY NOW
10 Year	2.00% 1.00% 0.00%	3.875% 4.125% 4.375%	4.677% 4.707% 4.739%	$100.65 $101.84 $103.04	APPLY NOW

1. Annual Percentage Rate (APR) is based on a $100,000.00 loan. The rate quoted above for the standard Fixed Rate and First Time Homebuyer (FTHB) products are published with a Guilford Savings Bank Access, Preferred Access or Prime Access checking account and having the monthly mortgage payment auto deducted from the account for the life of the loan. If you chose to not have a Guilford Savings Bank Access, Preferred Access or Prime Access checking account and having the monthly mortgage payment auto deducted from the account for the life of the loan the rate is 0.125% higher.

2. Payment per $10,000 does not include taxes and insurance. Your payment will be greater. Monthly payments: 30 year, 360 monthly payments; 20 year, 240 monthly payments; 15 year, 180 monthly payments; 10 year, 120 monthly payments.

Biweekly rates available upon request.

adjustable rate mortgages 3, 4 View Assumptions & Disclosure >

loan term	Points	rate	annual percentage rate1	Payment Per $10,000 2	Apply Now
5/6 ARM	2.00%	3.375%	3.174%	60 @ $44.21and 300 @ $42.84	APPLY NOW
5/6 ARM	1.00%	3.625%	3.181%	60 @ $45.61 and 300 @ $42.84	APPLY NOW
5/6 ARM	0.00%	3.875%	3.188%	60 @ $47.02 and 300 @ $42.84	APPLY NOW
7/6 ARM	2.00%	3.50%	3.277%	84 @ $44.90 and 276 @ $42.84	APPLY NOW
7/6 ARM	1.00%	3.750%	3.318%	84 @ $46.31 and 276 @ $42.84	APPLY NOW
7/6 ARM	0.00%	4.00%	3.349%	84 @ $47.74and 276 @ $42.84	APPLY NOW

1. Annual Percentage Rate (APR) is based on a $100,000.00 loan.

3. The margin listed for all adjustable rate mortgages above is 2.75% and the fully indexed rate is 2.750%.

4. When the initial fixed interest rate term expires, the interest rate will change to an adjustable interest rate on the change date. The adjustable interest rate may change on the change date and every 6th month thereafter. The rate will be calculated based on an index, which is the 30-day average SOFR rate, as made available by the Federal Reserve Board. The most recent index figure available as of the date 45 days before each change date will be used. This will be called the current index. Before each change date, the new interest rate will be calculated by adding the margin to the current index, resulting in the fully indexed rate. The fully indexed rate is rounded to the nearest one-eighth of one percentage point. This is not a commitment to lend. Rates are subject to change without notice. Our lending area consists of the State of Connecticut, however, some of our products are only available in New Haven, Middlesex and New London Counties. For more information, contact a loan officer. GSB NMLS #517294.

loan type	Interest Rate Guidelines	APR1	maximum amount	maximum Term	ltv	Apply Now
All Access Home Equity Line of Credit (primary residence only)	Introductory rate for the first 12 months. Variable rate after the first 12 months; Prime (as published in the Wall Street Journal) (MINUS) a margin (0.25 percentage points). Auto-Pay feature from GSB Access Relationship checking account required. Must maintain minimum draw of $25,000 for first 12 monthly billing cycles.	1.99%	$500,000	240 Months (10 year Draw, 10 year Repay)	80%	APPLY NOW Assumptions
Home Equity Line of Credit (primary residence only)	Prime (as published in the Wall Street Journal) Auto-pay feature required for the life of the line.	4.75%	$500,000	240 months	80%	APPLY NOW Assumptions
Prime (as published in the Wall Street Journal) plus a margin (0.25 percentage points). No Auto-Pay feature required.	5.00%	$500,000	240 months	80%	APPLY NOW Assumptions

loan type	Interest Rate Guidelines	APR 1	payment per $1,000	maximum amount	maximum Term	ltv	Apply Now
Fixed Rate (owner occupied property only)	3.750%	3.750%	$18.30	$500,000	5 years	80%	APPLY NOW Assumptions
4.500%	4.50%	$10.36	$500,000	10 years	80%	APPLY NOW Assumptions
4.750%	4.750%	$7.77	$500,000	15 years	80%	APPLY NOW Assumptions
Fixed Rate (investment property)	All investment property rates are 2.00% higher than stated owner occupied home equity loan rates above.	$250,000	15 years	70%	APPLY NOW Assumptions

Personal & Auto Loans

loan type	Interest Rate Guidelines	APR	payment per $1,000 1	maximum amount	maximum Term	ltv	Apply Now
Personal Loans	9.50%	9.50%	$46.85	$10,000	up to 24 mos	n/a	Learn More >
Personal Loans	10.00%	10.00%	$32.27-$25.36	$10,000	36-48 mos	n/a	Learn More >
New Car Loans	3.75%	3.75%	$29.41	$50,000	3 Years	80%	LEARN MORE >
	4.00%	4.00%	$22.58	$50,000	4 Years	80%	Learn More >
	4.25%	4.25%	$18.53	$50,000	5 Years	80%	Learn More >
	4.00%	4.00%	$29.52	$50,000	3 Years	90%	Learn More >
	4.25%	4.25%	$22.69	$50,000	4 Years	90%	Learn More >
	4.50%	4.50%	$18.64	$50,000	5 Years	90%	Learn More >
Used Car Loans	4.75%	4.75%	$22.92	$50,000	4 Years	NADA Loan Value	Learn More >

This is not a commitment to lend. Rates are subject to change without notice. Our lending area consists of the State of Connecticut, however, some of our products are only available in New Haven, Middlesex and New London Counties. For more information, contact a loan officer. GSB NMLS#517294.

Notes:

1. Monthly payment per $1,000.

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