We work hard to offer competitive rates on a broad range of products.

All rates subject to change without notice.

Subject to credit approval.

Payment amounts on the above products do not include taxes and insurance. Your payments may be greater.

Adjustable rate programs are based on a 30 year term. The rate may increase after the initial period.

The fully-indexed rate is equal to a margin plus the current one-year T-Bill or Libor Rate. Please ask us about the current index and margin for these products.

*Available on owner occupied, purchase transactions only, FICO score 680 or greater for 60 days, 1 unit $417,001 up to $2,000,000 and 2 unit $533,851 up to $2,000,000. A $500 Administration Fee is required. Fees not spent (Appraisal fee, Credit Report Fee, etc are fees that could be spent) will be refunded to you. Additional fees and closing costs may apply. This rate and APR is not available for programs offering discounted closing costs.

**Rates above are based on a single family, primary residence, purchase with a loan to value of 80% or less and FICO Score 750 or greater for 60 days. Rates may vary based on other scenarios.

All rates subject to change without notice.

Subject to credit approval.

Payment amounts on the above products do not include taxes and insurance. Your payments may be greater.

# Conforming Fixed rates above are based upon a loan amount of $417,000, 1 unit, primary residence, purchase with a loan to value of 80% or less and FICO Score 750 or greater for 60 days. Rates may vary based on other scenarios.

## Jumbo Fixed rates above are based upon a loan amount of $517,501, 1 unit, primary residence, purchase with a loan to value of 80% or less and FICO Score 750 or greater for 60 days. Rates may vary based on other scenarios.

All rates subject to change without notice.

Subject to credit approval.

*The rate and APR are fixed for the first twelve months. After the first twelve months, the rate and APR are variable rates for the remaining life of the loan based on the Prime Rate, with a floor rate of 3.25%. See below for further information on Prime rate. Minimum loan amount is $25,000. Maximum loan amounts are: $500,000 for a 1 unit, primary residence with an 80% max CLTV; $250,000 for a 2 unit, primary residence with an 80% max CLTV; $250,000 for a 3-4 unit, primary residence with a 75% max CLTV; and $250,000 for a 1 unit, second home with an 80% max CLTV. Call us for current rate & terms for properties listed for sale.

*** A New Customer is a customer without a current CSB HELOC or CSB HELOAN. An Existing Customer is a current CSB HELOC or CSB HELOAN.

General Home Equity Line of Credit (HELOC) Features:

APRs for Home Equity Lines of Credit are variable and are subject to change monthly based on the Wall Street Journal Prime Rate, which is currently 3.25%. The maximum rate is 18.00% APR. Minimum or “Floor” rates are noted above. The term is based on a 10 year draw period and a 20 year repayment period. Call us for additional conditions and current rate for properties currently listed for sale. An annual maintenance fee of $50.00 is charged on all lines of credit, unless you are a Premier or Performace Plus customer. If the property is in a trust a fee of $325 will apply. Property insurance required and Flood insurance may be required. A $360 early termination fee may apply if line is terminated within 12 months. A drive-by appraisal will be paid for at the bank’s expense. A full appraisal may be requested at the borrower’s expense. The option to convert a portion of your line to a fixed rate is available. Consult a tax advisor regarding tax deductibility of interest.

All rates subject to change without notice.

Subject to credit approval.

Primary residences and second home only.

*If an escrow account is required, then the actual monthly payment will include payments for real estate taxes.

General Home Equity Loan Features:

These rates and terms are available only for owner-occupied 1-4 family & Condominiums. Home Equity Loan minimum is $25,000. Maximum loan amounts are: $500,000 for 1 unit primary residence properties with an 85% max CLTV; $250,000 for 1 unit second homes and 2 unit primary residence with an 80% max CLTV; $250,000 for 3-4 unit primary residence with a 75% max CLTV. Property insurance required. Flood insurance and other fees may be required. If the property is held in a trust a fee of $325 will apply. Maximum CLTV based on a drive-by appraisal at the bank’s expense. A full appraisal may be requested at the borrowers expense.

All rates subject to change without notice.

Loans subject to credit approval.

Owner occupied properties only.

All rates subject to change without notice.

Loans subject to credit approval.

Applications accepted at branch locations only.

Unsecured loans and Secured Passbook and CD loans cannot be used for the purpose of post secondary educational expenses.

*APRs & payment terms assume a one year maturity & are based on passbook rate & lowest 1-year CD rate offered as of 10-13-2018. Please inquire about rates. Minimum loan amount is $2,500.

All rates subject to change without notice.

Loans subject to credit approval.

New Auto loans are for dealer purchases only, no private party and no lease buy-outs.

Vehicles not in current NADA book will be considered on a Personal Loan.

¹ 90% maximum financing

² 80% maximum financing

¹All rates are subject to change without notice. The Annual Percentage Yield (APY) assumes principal and interest would remain on deposit for at least one year. Early withdrawal penalties may be imposed. Withdrawals or fees may reduce earnings. Deposit Authorization Form replaces passbook or certificate for Retirement Accounts.

$1,000.00 minimum balance to open and earn APY; $500.00 for Retirement/IRA accounts

A daily balance of $10.00 is required in order to earn interest.

*17 Month CDs- maximum amount of the deposit is $1,000,000.00. Limit one promotional account per household. You must either work in or be a resident of Massachusetts to take advantage of these Certificate of Deposit specials. See 17 Month Statement Certificate of Deposit Special Disclosure for more information.

^Offer not available online.

For more information, please refer to our Fee Schedule and Truth-in-Savings Disclosure.

¹Annual Percentage Yield. Rates on the above accounts may change after the account is opened. Fees could reduce earnings on these accounts. All rates subject to change without notice.

¹Annual Percentage Yield. Rates on the above accounts may change after the account is opened. Fees could reduce earnings on these accounts.

Transfers from statement savings accounts or money market accounts to another account or to third parties by preauthorized, automatic, telephone, facsimile, or computerized transfer are limited to six transfers per monthly statement cycle. Continued transfers/withdrawals exceeding these numbers will result in the permanent restriction of these transfers. (For Retirement money market accounts, you are not allowed any checks or drafts to third parties.)

²Bonus tier for customers with a Performance Plus Checking Account.