Rates

Consumer Deposit Accounts

Certificates of Deposit**

Effective Date: August 19, 2022

Account Type Minimum Opening
Deposit Required
Interest Rate APY* Minimum to
Obtain APY
14 Day CD $5000 0.05% 0.05% $5000 How to Open
91 Day CD or IRA $500 0.10% 0.10% $500 How to Open
6 Month CD/IRA $500 0.15% 0.15% $500 Open
1 Year CD or IRA $500 0.25% 0.25% $500 Open
18 Month CD or IRA $500 0.30% 0.30% $500 Open
2 Year CD or IRA $500 0.40% 0.40% $500 Open
3 Year CD or IRA $500 0.45% 0.45% $500 Open
4 Year CD or IRA $500 0.55% 0.55% $500 Open
5 Year CD or IRA $500 0.65% 0.65% $500 Open

**Penalty for early withdrawal may apply.

Consumer Checking & Money Market Accounts
Effective Date: August 19, 2022
Account Type Minimum Opening
Deposit Required
Interest Rate APY* Minimum to
Obtain APY
ez Access Money Market Checking $25 0.10%
0.15%
0.20%
0.10%
0.15%
0.20%
$500 – $24,999.99
$25,000 – $49,999.99
$50,000 or more
Open
Consumer Savings Accounts
Effective Date: August 19, 2022
Account Type Minimum Opening
Deposit Required
Interest Rate APY* Minimum to
Obtain APY
eStatement Savings $25 0.05% 0.05% $25 Open
Passbook Savings $25 0.03% 0.03% $25 How To Open
Holiday Club $1 0.05% 0.05% $1 How To Open
Health Savings $25 0.05%
0.05%
0.05%
0.10%
0.10%
0.15%
0.15%
0.05%
0.05%
0.05%
0.10%
0.10%
0.15%
0.15%
$1 – $999.99
$1,000 – $2499.99
$2,500 – $4,999.99
$5,000 – $9,999.99
$10,000 – $24,999.99
$25,000 – $49,999.99
$50,000 or more
How To Open
IRA Stmt Savings 0.03%
0.05%
0.10%
0.03%
0.05%
0.10%
$25 – $2,499.99
$2,500 – $9,999.99
$10,000 or more
How To Open
Business Accounts
Effective Date: August 19, 2022
Account Type Minimum Opening
Deposit Required
Interest Rate APY* Minimum to
Obtain APY
Business Statement Savings $25 0.05% 0.05% $25 How To Open
Business Money Market $2,500 0.05%
0.10%
0.15%
0.30%
0.05%
0.10%
0.15%
0.30%
$2,500 – $24,999.99
$25,000 – $49,999.99
$50,000 – $99,999.99
$100,000 or more
How To Open
Business Interest Checking $25 0.05% 0.05% $25 How to Open
IOLTA/IOREBTA $25 0.15% 0.15% $25 How to Open

*APY=Annual Percentage Yield. APY effective as of the above date. At our discretion we may change the interest rate on your account. Offers may be withdrawn and rates/APY’s are subject to change at any time. Fees may reduce earnings.

Residential Mortgage / Home Equity & Consumer Loan Programs

Residential Mortgage Loan
Effective Date: August 19, 2022
View Rates Apply

For current rate information on our Residential Mortgage Home Loans, please click above.

Home Equity Loans and Lines
Effective Date: August 19, 2022
View Rates Apply

For current rate information on our Home Equity programs, please click above.

Smart-E Energy Loan
Effective Date: August 19, 2022
Term in months APR*
60 4.49% Apply
84 4.99% Apply
120 5.99% Apply
144 6.99% Apply

*APR=Annual Percentage Rate. Smart-E Loans offer long-term, low interest financing to help Connecticut residents access affordable home energy improvements. Program is available for 1 to 4 family owner occupied dwellings. Subject to other terms and conditions. Other restrictions apply.

Home Improvement Loan (Unsecured)
Effective Date: August 19, 2022
Term in months APR* Payment per $1000
36 5.990% $30.42 Apply
60 6.490% $19.56 Apply
84 6.990% $15.09 Apply
120 6.990% $11.61 Apply
144 7.490% $10.55 Apply

*APR=Annual Percentage Rate. This program is available for 1 to 4 family owner-occupied dwellings (not available for condominiums) located in the State of Connecticut and Rhode Island. Subject to other terms and conditions. Other restrictions apply. Minimum loan amount is $3,000.  Maximum loan amount is $50,000.

Personal Loan(Unsecured)
Effective Date: August 19, 2022
Loan Amount Auto Pay APR* Term
$1,000-$15,000 With ECSB Auto Pay 10.000% 12 to 60 months Apply
$1,000-$15,000 Without ECSB Auto Pay 12.000% 12 to 60 months Apply

*APR=Annual Percentage Rate

New Vehicle Loans
Effective Date: August 19, 2022
Model Year APR* Max Term Loan To Value Payment Per $1,000
2020-2022 3.490% 24 months Up To 80%1 $43.20 Apply
2020-2022 3.490% 36 months Up To 80%1 $29.30 Apply
2020-2022 3.990% 48 months Up To 80%1 $22.58 Apply
2020-2022 4.240% 60 months Up To 80%1 $18.53 Apply
2020-2022 3.990% 24 months 80.01-90%2 $43.42 Apply
2020-2022 4.490% 36 months 80.01-90%2 $29.74 Apply
2020-2022 4.490% 48 months 80.01-90%2 $22.80 Apply
2020-2022 4.740% 60 months 80.01-90%2 $18.75 Apply

*APR=Annual Percentage Rate. Value based on retail value published by the NADA East Coast edition. Fee:$23.00 VSI insurance. Maximun loan amount: $50,000. Stated rates assume less than 5,000 miles at time of application. Never before titled/sold vehicles.

1Maximum Loan to value based on creditworthiness. Above APR assumes a credit score of 640+.

2Maximum Loan to value based on creditworthiness. Above APR assumes a credit score of 760+.

Used Vehicle Loans
Effective Date: August 19, 2022
Model Year APR* Max Term Loan To Value Payment Per $1,000
2005-2022 3.990% 24 months Up To 80%1 $43.42 Apply
2005-2022 3.990% 36 months Up To 80%1 $29.52 Apply
2005-2022 4.490% 48 months Up To 80%1 $22.80 Apply
2005-2022 4.990% 60 months Up To 80%1 $18.87 Apply
2018-2022 3.990% 24 months 80.01-90%2 $43.42 Apply
2018-2022 4.490% 36 months 80.01-90%2 $29.74 Apply
2018-2022 4.990% 48 months 80.01-90%2 $23.03 Apply
2018-2022 5.490% 60 months 80.01-90%2 $19.10 Apply

*APR=Annual Percentage Rate. Value based on retail value published by the NADA East Coast edition. Fee:$23.00 VSI insurance. Maximun loan amount: $50,000. Minimum loan amount: $5,000. Stated rates assume less than 105,000 miles at time of application

1Maximum Loan to value based on creditworthiness. Above APR assumes a credit score of 640+.

2Maximum Loan to value based on creditworthiness. Above APR assumes a credit score of 760+.

Note:90% Loan to Value available for 2014-2017 used cars.

Collateral Loans(Passbook or CD)
Effective Date: August 19, 2022
APR* Max Term Loan To Value
3.10%1 5 Years 90% How To Apply

*APR=Annual percentage rate. lifetime Cap:18%. lifetime Floor:3%. Funds on deposit must be opened for 90 days prior to the loan application.

1Contact our branch office for APR for your particular loan scenario.

Overdraft Protection Line
Effective Date: August 19, 2022
Loan Amount Rate APR*
$500-$2,500 18.000% 18.000% Apply

*APR=Annual Percentage Rate. An Overdraft Protection Line protects your checking account from overdrafts. Repayment:Interest plus 5% of the outstanding balance.