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 2/4/2012.
Payment examples, for adjustable rate mortgages, can be viewed by placing your cursor over the product type. 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
1 Year ARM: The APR is based upon a $100,000 mortgage and a 20% down payment. The interest rate may increase or decrease after the first 12 months of the loan. Repayment is based upon 12 payments at $435.21 and 348 payments at $428.56 |
3.250% |
0.000% |
3.155% |
2/6% |
3.000% |
$4.35 |
|
1 Year ARM
1 Year ARM - 1pt: The APR is based upon a $100,000 mortgage and a 20% down payment. The interest rate may increase or decrease after the first 12 months of the loan. Repayment is based upon 12 payments at $421.60 and 348 payments at $428.19 |
3.000% |
1.000% |
3.216% |
2/6% |
3.000% |
$4.22 |
|
3/1 Year ARM
3 to 1 ARM 0 pts: The APR is based upon a $100,000 mortgage and a 20% down payment. The interest rate may increase or decrease after the first 36 months of the loan. Repayment is based upon 36 payments at $449.04 and 324 payments at $430.05 |
3.500% |
0.000% |
3.228% |
2/6% |
3.000% |
$4.49 |
|
3/1 Year ARM
3 to 1 Year ARM 1 pt: The APR is based upon a $100,000 mortgage and a 20% down payment. The interest rate may increase or decrease after the first 36 months of the loan. Repayment is based upon 36 payments at $435.21 , and 324 payments at $428.94 |
3.250% |
1.000% |
3.253% |
2/6% |
3.000% |
$4.35 |
|
5/1 Year ARM
5 to 1 Year ARM 0 pts: The APR is based upon a $100,000 mortgage and a 20% down payment. The interest rate may increase or decrease after the first 60 months of the loan. Repayment is based upon 60 payments at $463.12 , and 300 payments at $433.04 |
3.750% |
0.000% |
3.365% |
2/6% |
3.000% |
$4.63 |
|
5/1 Year ARM
5 to 1 Year ARM 1 pt: The APR is based upon a $100,000 mortgage and a 20% down payment. The interest rate may increase or decrease after the first 60 months of the loan. Repayment is based upon 60 payments at $449.04 and 300 payments at $431.21 |
3.500% |
1.000% |
3.357% |
2/6% |
3.000% |
$4.49 |
|
7/1 Year ARM
7 to 1 year ARM - 0 pt : The APR is based upon a $100,000 mortgage and a 20% down payment. The interest rate may increase or decrease after the first 84 months of the loan. Repayment is based upon 84 payments at $484.65 and 276 payments at $438.82 |
4.125% |
0.000% |
3.615% |
2/6% |
3.000% |
$4.85 |
|
7/1 Year ARM
7 to1 Year ARM - 1 pt: The APR is based upon a $100,000 mortgage and a 20% down payment. The interest rate may increase or decrease after the first 84 months of the loan. Repayment is based upon 84 payments at $470.24 and 276 payments at $436.30 |
3.875% |
1.000% |
3.579% |
2/6% |
3.000% |
$4.70 |
The APR is based upon a $100,000 mortgage and a 20% down payment over 30 years. The interest rate and APR 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
1 year ARM: The APR is based upon a $100,000 mortgage and a 35% down payment. The interest rate may increase or decrease after the first 12 months of the loan. Repayment is based upon 12 payments at $752.28 and 168 payments at $758.25 |
4.250% |
1.000% |
4.547% |
2/6% |
4.250% |
$7.52 |
The APR is based upon a $100,000 mortgage and a 35% down payment over 15 years. The interest rate and APR 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 |
3.750% |
0.000% |
2/6% |
3.500% |
| 3/1 Year ARM |
4.000% |
0.000% |
2/6% |
3.500% |
| 5/1 Year ARM |
4.250% |
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 |
4.000% |
0.000% |
4.022% |
$4.77 |
| 30 Year Fixed |
3.875% |
0.500% |
3.938% |
$4.70 |
| 30 Year Fixed |
3.750% |
1.625% |
3.906% |
$4.63 |
| 15 Year Fixed |
3.375% |
0.000% |
3.413% |
$7.09 |
| 15 Year Fixed |
3.250% |
0.625% |
3.379% |
$7.03 |
| 15 Year Fixed |
3.125% |
1.375% |
3.364% |
$6.97 |
Annual Percentage Rates (APR) are based on a $100,000 mortgage, 20% downpayment, 740 minimum credit score, purchase or refinance with no cash out, and a single-family owner-occupied property. 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 |
APR* |
Term |
Monthly Payment |
| Minimum line amount is $10,000 and the Maximum is $250,000 |
80% of appraised value |
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. If an appraisal is required, the fees will range from $375.00 to $700.00, depending on the property type.
Current Prime Rate: 3.250%
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Home Equity Loans (Fixed Rate)
| Loan Amount |
Maximum Loan-to-Value* |
Rate |
APR** |
Term (up to) |
Monthly Payment |
| Minimum loan amount is $10,000 and the Maximum is $250,000 |
80% of Appraised Value |
4.250% |
4.305% |
60 |
$185.30 |
| Minimum loan amount is $10,000 and the Maximum is $250,000 |
80% of Appraised value |
4.750% |
4.779% |
120 |
$104.85 |
| Minimum loan amount is $10,000 and the Maximum is $250,000 |
80% of appraised value |
5.250% |
5.271% |
180 |
$80.39 |
*Maximum LTV based on appraised value less any outstanding liens.
**APR and payment examples are based on a $10,000 loan amount. Loan is subject to a $500.00 prepayment penalty if closed in the first 12 months.
Primary residence or second homes only. Appraisal fee, if required, will range from $300.00 to $700.00. Lender will give a credit of $175.00 towards closing costs.
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Auto Loans
| Type |
Year |
Term |
APR |
Monthly Payment per $1,000 |
| New Car - 80% of purchase price |
2012 |
24 |
6.500% |
$44.55 |
| New Car - 80% of purchase price |
2012 |
36 |
6.500% |
$30.65 |
| New Car - 80% of purchase price |
2012 |
48 |
6.500% |
$23.71 |
| Used Car - 80% of book value or purchase price, which ever is less. |
2010 - 2011 |
24 |
7.000% |
$44.77 |
| User Car - 80% of book value or purchase price, which ever is less |
2010 - 2011 |
36 |
7.000% |
$30.88 |
| Used Car - 80% of book value or purchase price, which ever is less. |
2008 - 2009 |
24 |
7.500% |
$45.00 |
| Used Car - 80% of book value or purchase price, which ever is less. |
2008 - 2009 |
36 |
7.500% |
$31.11 |
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Unsecured Personal Loans
| Type |
Loan Amount |
Term |
APR |
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 |
APR |
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
|
2.500% |
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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