See Why Our Rates Are Top-Notch!

Your money will grow in our deposit accounts and we provide competitive rates on auto loans, mortgages, personal loans, lines of credit and all the financing options you need to get your family finances ahead.

​Deposit Rates

Printable Rate Sheet:

Savings

Rates Effective: 05/04/2016

SAVINGS1
$25.00 Minimum Balance to Open
Minimum to Earn APYInterest RateAPY
Statement Savings$5.00 0.10%0.10%
Passbook Savings$5.00 0.10%0.10%
18 Month Variable Rate Certificate of Deposit2 - deposits allowed during term$25.00 0.45%0.45%

Relationship Savings

Rates Effective: 05/04/2016

RELATIONSHIP SAVINGS 1, 3
$15,000.00 Minimum Balance to Open 0% Interest Earned on Balances < $1,000.00
TierMinimum to Earn APYInterest RateAPY
$1,000.00 - $14,999.991$1,000.000.10%0.10%
$15,000.00 - $49,999.992$15,000.000.30%0.30%
$50,000.00 +3$50,000.00 0.50%0.50%

Health Savings Account (HSA)

Rates Effective: 05/04/2016

HEALTH SAVINGS1 (HSA)
$0.00 Minimum Balance to Open
TierMinimum to Earn APYInterest RateAPY
$0.00 - $4,999.991$0.00 0.35%0.35%
$5,000.00 - $49,999.992$5,000.00 0.50%0.50%
$50,000.00 +3$50,000.00 0.75%0.75%

Interest Checking

Rates Effective: 05/04/2016

INTEREST CHECKING1 (NOW Account)
$25.00 Minimum Balance to Open 0% Interest Earned on Balances < $500.00
TierMinimum to Earn APYInterest RateAPY
$500.00 - $4,999.991$500.00 0.05%0.05%
$5,000.00 - $9,999.992$5,000.00 0.15%0.15%
$10,000.00 +3$10,000.00 0.15%0.15%

Money Market Savings

Rates Effective: 05/04/2016

MONEY MARKET SAVINGS1
$2,500.00 Minimum Balance to Open 0% Interest Earned on Balances < $1,000.00
TierMinimum to Earn APYInterest RateAPY
$1,000.00 - $2,499.99 1$1,000.000.10%0.10%
$2,500.00 - $9,999.99 2$2,500.000.15%0.15%
$10,000.00 - $49,999.99 3$10,000.000.15%0.15%
$50,000.00+4$50,000.000.20%0.20%

Certificate of Deposit

Rates Effective: 05/04/2016

CERTIFICATES OF DEPOSIT 2
All terms also available for Individual Retirement Accounts (IRA)
Interest Rate
$1,000.00 Minimum to Open and Earn APY
APYInterest Rate
$100,000.00 Minimum to Open and Earn APY
APY
91 Days0.20%0.20%0.25%0.25%
6 Months0.25%0.25%0.30%0.30%
9 Months0.35%0.35%0.40%0.40%
12 Months0.55%0.55%0.60%0.60%
13 Months0.75%0.75%0.80%0.80%
16 Months1.25%1.25%1.30%1.30%
18 Months0.80%0.80%0.85%0.85%
24 Months1.25%1.25%1.30%1.30%
30 Months1.49%1.50% 1.54%1.55%
3 Years 1.25% 1.25%1.30%1.30%
4 Years 1.60% 1.60%1.64%1.65%
5 Years1.79%1.80%1.84%1.85%
Deposit rates are subject to change without notice. Withdrawals and fees may reduce earnings. Interest is compounded daily and credited to the account on the second to the last day of each month. 1 The interest rate and annual percentage yield (APY) on variable rate accounts may change after the account is opened. 2 A penalty may be imposed for early withdrawal of principal prior to maturity from certificate accounts. The APY assumes that interest remains on deposit until maturity. 3 Relationship Checking account required; see deposit contract or ask a bank representative for specific terms.

Home Equity Rates

Thomaston Savings Bank assumes the cost of a drive-by appraisal, a credit report, and all closing fees. If a standard bank appraisal is requested, the applicant will incur the cost of a new appraisal. No prepayment penalty. Consult your tax advisor regarding the deductibility of interest.

Adjustable Rate Home Equity Line of Credit - No Application Fees | No Closing Costs

Home Equity Line of Credit

Rates Effective: 04/20/2016

Loan ProgramMaximum CLTVInterest RateAPRMonthly Payment per $1,000Rate Adjustment FrequencyLien PositionAnnual FeeMin. Advance at Closing
HELOC Owner Occupied80%WSJ Prime3.500%$2.97Monthly1st or 2nd$50$0
HELOC Non-Owner Occupied75%WSJ Prime + 3.00%6.500%$5.52Monthly1st or 2nd$150$10,000
360 month term - 120 month draw period followed by 240 months repayment period. Adjustable rates may increase during the term of the loan; minimum APR 3.500%, maximum APR 18.000%. Prime rate as published in the Wall Street Journal: currently 3.500%, rates adjust monthly. Home equity lines of credit annual fee may be waived with automatic payment from a TSB checking account.

Home Equity Loan

Rates Effective: 04/20/2016

Loan TermLien PositionInterest RateAPRMonthly Payment per $1,000**Min. Loan AmountMax. Loan Amount
5 Years1st4.500%4.500%$18.64$25,000$250,000
10 Years1st5.000%5.000%$10.61$25,000$250,000
5 Years2nd4.500%4.500%$18.64$10,000$250,000
10 Years2nd5.000%5.000%$10.61$10,000$250,000
15 Years2nd5.500%5.500%$8.17$10,000$250,000
20 Years2nd6.000%6.000%$7.16$10,000$250,000
**Payment amounts reflect principal and interest and do not include taxes or insurance premiums. Actual payments may be greater.

​Auto & Personal Loan Rates

Fixed Rate Personal Loan

Rates Effective: 05/04/2016

Loan TermInterest Rate
Without Discount
APRPayment Per $1,000.Interest Rate
With Auto-Pay Discount
APRPayment Per $1,000.
12 months 7.150% 7.150%$86.606.900%6.900%$86.48
24 months 8.150% 8.150% $45.30 7.900% 7.900% $45.18
36 months 9.150% 9.150%$31.878.900%8.900%$31.75
48 months 10.150%10.150% $25.439.900%9.900%$25.31
60 months 11.150%11.150% $21.8210.900%10.900%$21.69
Loan amounts available from $500.00 to $10,000.00. Loan terms available from 12 months to 60 months in 6 month increments. Loan rate is discounted with automatic payment from a TSB deposit account; auto-pay must be maintained for the life of the loan.

Fixed Rate Overdraft Line of Credit

Rates Effective: 05/04/2016

Loan TermInterest RateAPRPayment Per $1,000.
24 months15.000%15.000%$48.49
Line amounts available from $500.00 to $2,500.00.

Fixed Rate New Automobile Loan

Rates Effective: 05/04/2016

Loan Term Interest Rate
Without Discount
APRPayment Per $1,000. Interest Rate
With Auto-Pay Discount
APRPayment Per $1,000.
36 months or less 6.250% 6.250%$30.54 6.000% 6.000%$30.42
48 months or less 6.750% 6.750%$23.83 6.500% 6.500%$23.71
72 months or less 7.250% 7.250%$17.17 7.000% 7.000%$17.05

Fixed Rate Used Automobile Loan

Rates Effective: 05/04/2016

Loan TermInterest Rate
Without Discount
APRMonthly Payment per $1,000Interest Rate
With Auto Pay Discount
APRMonthly Payment per $1,000
48 months or less Used 2012 or newer6.250%6.250%$23.606.000%6.000%$23.49
Vehicle not previously titled and has less than 12,000 miles. Loan amounts available from $2,500.00 to $40,000.00. Down payment of 20% of purchase price (no add-ons such as taxes, dealer prep) or 10% of purchase price (no add-ons) for term of 36 months or less. Loan rate is discounted with automatic payment from a TSB deposit account; auto-pay must be maintained for the life of the loan.  
Loan amounts available from $2,500.00 to $20,000.00. Down payment of 20% of purchase price or NADA average loan whichever is less. Loan rate is discounted with automatic payment from a TSB deposit account; auto-pay must be maintained for the life of the loan.