Consumer Loan Rates

 

Rates are accurate as of today.

Saturday’s by appointment only.

 

Boat Loans

TermRateAnnual Percentage Rate (APR)**Payment*
72 Months New5.490%5.565%**$409.34*
Used 1 Year Up To 66 Months5.740%5.822%**$443.76*
1-2 Years Up To 60 Months5.990%6.079%**$484.50*
3-4 Years Up To 48 Months6.490%6.601%**$594.48*
5-6 Years Up To 42 Months7.240%7.366%**$677.80*
Rates Subject to Change Without Notice.
Subject to Credit Approval. Your Rate may be higher. Additional terms may apply.

**APR refers to Annual Percentage Rate based on simple interest.

APR based on loan amount of $25,000, $50 fee and automatic payment from a Conneaut Savings Bank checking account.

The rate varies based on credit score and other underwriting considerations. Stated rate is based upon a credit score of 740 or above.

Interest rate and annual percentage rate (APR) are subject to change without notice. Interest rate, APR and terms may vary based on the creditworthiness of the borrower, loan-to-value ratio. Subject to credit and property approval. Additional terms apply.

Contact Us today, or for more details!

 

New RV, Travel Trailers, Fifth Wheels

TermRateAnnual Percentage Rate (APR)**Payment
72 Months New6.490%6.568%**$421.36*
Used Up To 1 Year Up To 66 Months6.740%6.824%**$455.75*
1-2 Years Old Up To 60 Months6.990%7.082%**$496.47*
3-4 Years Old Up To 48 Months7.490%7.603%**$606.38*
5-6 Years Old Up To 42 Months8.240%8.369%**$689.74*
7-10 Years Old Up To 42 Months8.740%8.870%**$695.76*
Rates Subject to Change Without Notice.
Subject to Credit Approval. Your Rate may be higher. Additional terms may apply.

**APR refers to Annual Percentage Rate based on simple interest.

APR based on loan amount of $25,000, $50 fee and automatic payment from a Conneaut Savings Bank checking account.

The rate varies based on credit score and other underwriting considerations. Stated rate is based upon a credit score of 740 or above.

Interest rate and annual percentage rate (APR) are subject to change without notice. Interest rate, APR and terms may vary based on the creditworthiness of the borrower, loan-to-value ratio. Subject to credit and property approval. Additional terms apply.

 

New Personal Watercraft & Motorcycle

TermRateAnnual Percentage Rate (APR)**Payment
72 Months New6.740%6.818%**$424.40*
Used 1 Year Up To 66 Months6.740%6.824%**$455.75*
1-2 Years Up To 60 Months6.990%7.082%**$496.47*
3-4 Years Up To 48 Months7.490%7.603%**$606.38*
5-6 Years Up To 42 Months8.240%8.369%**$689.74*
7 Years And Older Up To 36 Months8.740%8.887%**$795.03*
Rates Subject to Change Without Notice.
Subject to Credit Approval. Your Rate may be higher. Additional terms may apply.

**APR refers to Annual Percentage Rate based on simple interest.

APR based on loan amount of $25,000, $50 fee and automatic payment from a Conneaut Savings Bank checking account.

The rate varies based on credit score and other underwriting considerations. Stated rate is based upon a credit score of 740 or above.

Interest rate and annual percentage rate (APR) are subject to change without notice. Interest rate, APR and terms may vary based on the creditworthiness of the borrower, loan-to-value ratio. Subject to credit and property approval. Additional terms apply.

 

ATV, Lawn Tractors, Farm Equipment

TermRateAnnual Percentage Rate (APR)**Payment
48 Months New6.740%6.851%**$597.44*
36 Months Used7.490%7.635%**$780.12*
Rates Subject to Change Without Notice.
Subject to Credit Approval. Your Rate may be higher. Additional terms may apply.

**APR refers to Annual Percentage Rate based on simple interest.

APR based on loan amount of $25,000, $50 fee and automatic payment from a Conneaut Savings Bank checking account.

The rate varies based on credit score and other underwriting considerations. Stated rate is based upon a credit score of 740 or above.

Interest rate and annual percentage rate (APR) are subject to change without notice. Interest rate, APR and terms may vary based on the creditworthiness of the borrower, loan-to-value ratio. Subject to credit and property approval. Additional terms apply.

 

CURRENT PRIME RATE IS 4.500% AS OF DECEMBER 14, 2017. DEPENDING ON CUSTOMER’S QUALIFICATIONS, VARIABLE APRS RANGE FOR LINE AMOUNTS AS STATED ABOVE. CUSTOMER’S SPECIFIC RATE IS SUBJECT TO APPLICATION, APPROVAL AND ACCEPTABLE PROPERTY APPRAISAL AND TITLE SEARCH; LOAN-TO-VALUE(LTV) RATIO; CREDIT HISTORY; LINE AMOUNT; LIEN POSITION; OPTIONAL AUTOMATIC PAYMENT DEBIT FROM A CONNEAUT SAVINGS BANK CHECKING ACCOUNT; WHETHER OR NOT PROPERTY IS OWNER-OCCUPIED; RATE GENERALLY BASED ON MEETING CERTAIN UNDERWRITING CRITERIA. THE APR IS VARIABLE AND CAN CHANGE EACH MONTH, BUT WILL NEVER BE HIGHER THAN 18.00%. LOWEST RATES IN EACH TIER REFLECT A 0.25% DISCOUNT FOR OPTIONAL AUTOMATIC PAYMENT FROM A CONNEAUT SAVINGS BANK CHECKING ACCOUNT. LOWEST RATE AVAILABLE IS FOR WELL QUALIFIED BORROWERS WHO ARE APPROVED FOR A NEW LINE A LOAN-TO-VALUE RATIO OF 80%; 0.25% DISCOUNT FOR AUTOMATIC PAYMENT; ASSUMES PROPERTY IS OWNER-OCCUPIED; FIRST LIEN POSITION; A CREDIT SCORE OF 740 OR HIGHER. BORROWER-PAID TITLE INSURANCE IS REQUIRED ON LINE AMOUNTS GREATER THAN $200,000. OFFER SUBJECT TO CHANGE WITHOUT NOTICE. THE HOME EQUITY CREDIT LINE HAS A $50 ANNUAL FEE. THE INITIAL FEE WILL BE CHARGED ON YOUR FIRST BILLING STATEMENT AND THEN ANNUALLY, THEREAFTER. THE APR IS BASED ON PRIME PLUS OR MINUS A MARGIN. THE MARGIN IS BASED ON YOUR HOME’S LOAN-TO-VALUE RATIO, LIEN POSITION, OWNER OCCUPANCY STATUS, APPLICANT’S CREDIT HISTORY, AND THE AMOUNT OF THE CREDIT LINE. “PRIME” MEANS BANK PRIME LOAN RATE PUBLISHED BY THE BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM IN ITS STATISTICAL RELEASE H.15 (519) ENTITLED “SELECTED INTEREST RATES.” USE OF THE WORD “PRIME” DOES NOT MEAN THAT THE RATE IS THE BEST OR LOWEST RATE OFFERED BY ANY LENDER. INSURANCE MUST BE CARRIED ON THE REAL PROPERTY SECURING THE ACCOUNT, AND FLOOD INSURANCE IS REQUIRED ON BUILDINGS LOCATED IN A SPECIAL FLOOD HAZARD AREA. MINIMUM PAYMENT REQUIREMENT IS INTEREST ONLY FOR THE FIRST 5 YEARS, FOLLOWED BY A 10-YEAR PAYMENT PERIOD. MAKING ONLY THE MINIMUM PAYMENT DURING THE FIRST 5 YEARS WILL NOT REDUCE THE PRINCIPAL BALANCE ON THE ACCOUNT. INSURANCE MUST BE CARRIED ON THE REAL PROPERTY. ADVERTISED RATES ARE SUBJECT TO CHANGE AT ANY TIME AND DOES NOT APPLY TO REFINANCING OF EXISTING CONNEAUT SAVINGS BANK ACCOUNTS. CREDIT SUBJECT TO APPLICATION, CREDIT APPROVAL, ACCEPTABLE APPRAISAL AND TITLE SEARCH. CONSULT YOUR TAX ADVISOR REGARDING THE DEDUCTIBLE INTEREST. 1 THERE IS A DRAW PERIOD FOR 5 YEARS AFTER THE ACCOUNT IS OPENED DURING WHICH ADVANCES AND PURCHASES MAY BE MADE, AND DURING WHICH REDUCTIONS TO PRINCIPAL ARE NOT REQUIRED ( UNLESS CREDIT LIMIT HAS BEEN EXCEEDED), FOLLOWED BY A 10-YEAR REPAYMENT PERIOD DURING WHICH THE MINIMUM MONTHLY PAYMENTS AMORTIZE THE OUTSTANDING BALANCE ON THE LINE AT THE END OF THE DRAW PERIOD.  ALL LENDING PRODUCTS ARE SUBJECT TO APPLICATION AND CREDIT APPROVAL.  HOME EQUITY LOANS AND LINES ALSO SUBJECT TO ACCEPTABLE APPRAISAL AND TITLE SEARCH.

Lost/Stolen ATM Card

If your ATM/Debit card is lost or stolen, please contact us at 1-888-453-2311. After regular business hours, please call 1-800-554-8969 to receive immediate assistance.