Rates as of Monday 06/27/2022 4:45 PM EST
loan term | Points
|
rate
|
annual percentage rate1 |
Payment Per $10,000 2 |
Apply Now |
---|---|---|---|---|---|
30 Year
|
|
|
|
|
APPLY NOW |
20 Year
|
|
|
|
|
APPLY NOW |
15 Year
|
|
|
|
|
APPLY NOW |
10 Year
|
|
|
|
|
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.
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.
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.
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 |
1. Annual Percentage Rate (APR) is based on a $100,000.00 loan.
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 > |
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.
Copyright ©2021 Guilford Savings Bank. All rights reserved. NMLS# 517294 | Privacy Notice | Security Info | Site Map