Our Rates
At Piscataqua Savings Bank we offer both fixed and adjustable
rates across a wide range of loan types. We take pride in offering the best ARM portfolio loans in the area. Review our competitive rates below and check back often - or bookmark this page now - as this page is updated daily. We make every attempt to offer the lowest rates to our customers with customized loan options. In fact, we are always surveying our competitor's rates to ensure that ours remain the best for our customers.
Please call us at 603.436.5250 to speak with an experienced, knowledgeable advisor about your special requests, or apply online now!
All rates are subject to change without prior notice. Rates as of 1/5/2009.
The index for all of the below ARM programs= 1 year US Treasury Constant Maturity.
Adjustable Rate Mortgages
| Type |
Rate |
Points |
APR |
Caps |
Margin |
Monthly Payment per $1,000 |
| 1 Year ARM |
4.125% |
0.000% |
3.559% |
2/6% |
3.000% |
$4.85 |
| 1 Year ARM |
3.875% |
1.000% |
3.621% |
2/6% |
3.000% |
$4.70 |
| 3/1 Year ARM |
4.375% |
0.000% |
3.707% |
2/6% |
3.000% |
$4.99 |
| 3/1 Year ARM |
4.125% |
1.000% |
3.733% |
2/6% |
3.000% |
$4.85 |
| 5/1 Year ARM |
4.625% |
0.000% |
3.913% |
2/6% |
3.000% |
$5.14 |
| 5/1 Year ARM |
4.375% |
1.000% |
3.907% |
2/6% |
3.000% |
$4.99 |
| 7/1 Year ARM |
5.000% |
0.000% |
4.230% |
2/6% |
3.000% |
$5.37 |
| 7/1 Year ARM |
4.750% |
1.000% |
4.194% |
2/6% |
3.000% |
$5.22 |
The APR is based upon a $100,000 mortgage and a 20% down payment over 30 years. The interest rate may increase or decrease after the initial fixed-rate period. Certain restrictions apply and availability of these programs is subject to change without notice.
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Land Loan Mortgages
| Type |
Rate |
Points |
APR |
Caps |
Margin |
Monthly Payment per $1,000 |
| 1 Year Arm |
5.125% |
1.000% |
4.976% |
2/6% |
4.250% |
$7.97 |
The APR is based upon a $100,000 mortgage and a 35% down payment over 15 years. The interest rate may increase or decrease after the 12 months of the loan. Certain restrictions apply and availability of these programs is subject to change without notice.
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Non-Owner Occupied Mortgages
| Type |
Rate |
Points |
Caps |
Margin |
| 1 Year Arm |
4.625% |
0.000% |
2/6% |
3.500% |
| 3/1 Year ARM |
4.875% |
0.000% |
2/6% |
3.500% |
| 5/1 Year ARM |
5.125% |
0.000% |
2/6% |
3.500% |
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Owner Occupied Fixed Rates - Servicing Retained
| Type |
Rate |
Points |
APR |
Monthly Payment per $1,000 |
| 30 Year Fixed |
5.375% |
0.500% |
5.431% |
$5.60 |
| 30 Year Fixed |
5.250% |
1.000% |
5.351% |
$5.52 |
| 30 Year Fixed |
5.125% |
1.375% |
5.259% |
$5.44 |
| 30 Year Fixed |
5.000% |
1.750% |
5.167% |
$5.37 |
| 15 Year Fixed |
5.125% |
0.000% |
5.144% |
$7.97 |
| 15 Year Fixed |
5.000% |
0.125% |
5.038% |
$7.91 |
| 15 Year Fixed |
4.875% |
0.250% |
4.932% |
$7.84 |
| 15 Year Fixed |
4.750% |
0.625% |
4.864% |
$7.78 |
The APR is based upon a $100,000 mortgage and a 20% down payment. Certain restrictions apply and availability of these programs is subject to change without notice.
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Home Equity Lines of Credit
| Loan Amount |
Maximum Loan-to-Value |
Annual % Rate* |
Term |
Monthly Payment |
| Minimum line amount is $10,000 and the Maximum is $150,000 |
80% of assessed value on lines of $100,000 or less. 80% of appraised value on lines greater than $100,000 |
3.250% |
Draw period with balloon is 120 months |
Interest Only. |
(*) The APR is fixed for the first 12 months then is subject to increase monthly based upon the New York Prime Rate as published in the Wall Street Journal with a maximum APR of 16.00%. This line is subject to a $500 prepayment penalty if closed in the first 12 months.
Current Prime Rate: 3.250%
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Home Equity Loans (Fixed Rate)
| Loan Amount |
Maximum Loan-to-Value |
Annual % Rate* |
Term (up to) |
Monthly Payment |
| Minimum loan amount is $10,000 and the Maximum is $150,000 |
80% of assessed value on lines of $100,000 or less. 80% of appraised value on lines greater than $100,000 |
6.000% |
60 |
$19.33 |
| Minimum loan amount is $10,000 and the Maximum is $150,000 |
80% of assessed value on lines of $100,000 or less. 80% of appraised value on lines greater than $100,000 |
6.250% |
120 |
$11.23 |
| Minimum loan amount is $10,000 and the Maximum is $150,000 |
80% of assessed value on lines of $100,000 or less. 80% of appraised value on lines greater than $100,000 |
6.500% |
180 |
$8.71 |
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Auto Loans
| Type |
Year |
Term |
Annual % Rate |
Monthly Payment per $1,000 |
| New Car - 80% of purchase price |
2008 |
24 |
6.500% |
$44.55 |
| New Car - 80% of purchase price |
2008 |
36 |
6.500% |
$30.65 |
| New Car - 80% of purchase price |
2008 |
48 |
6.500% |
$23.71 |
| Used Car - 80% of book value or purchase price, which ever is less. |
2003 - 2005 |
24 |
7.500% |
$45.00 |
| User Car - 80% of book value or purchase price, which ever is less |
2003 - 2005 |
36 |
7.500% |
$31.11 |
| Used Car - 80% of book value or purchase price, which ever is less. |
2006 - 2007 |
24 |
7.000% |
$44.77 |
| Used Car - 80% of book value or purchase price, which ever is less. |
2006 - 2007 |
36 |
7.000% |
$23.81 |
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Unsecured Personal Loans
| Type |
Loan Amount |
Term |
Annual % Rate |
Monthly Payment per $1,000 |
| Minimum |
$500.00 |
12 |
14.000% |
$89.79 |
| Maximum |
$5000.00 |
24 |
14.000% |
$48.01 |
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Collateral Loans
| Account Type |
Loan Amounts |
Annual % Rate |
Monthly Payment |
| Savings Secured - 2% over the Annual Percentage Yield on the account securing the loan rounded up to the next 1/4% |
Minimum Amount: $500 Maximum Amount: 100% of account balance
|
3.250% |
Interest Only or monthly principal and interest
|
| Certificate of Deposit - 2% over the Annual Percentage Yield on the CD securing the loan rounded up to the next 1/4% |
Minimum Amount: $500 Maximum Amount: 100% of account balance |
Variable |
Interest Only or monthly principal and interest |
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