Passbook Savings
| Rate | Annual Percentage Yield |
| 0.20% | 0.20% |
Rates effective: 9/3/2010
Interest rates subject to change at any time without notice. |
School Statement Savings
| Rate | Annual Percentage Yield |
| 0.50% | 0.50% |
Rates effective: 9/3/2010
Interest rates subject to change at any time without notice. |
Business NOW Checking
| Rate | Annual Percentage Yield | Minimum Balance |
| 0.10% | 0.10% | $1,000 |
Rates effective: 9/3/2010
Interest rates subject to change at any time without notice. |
Money Market Account Preferred
| Balance | Rate | Annual Percentage Yield |
| $100-$9,999.99 | 0.25% | 0.25% |
| $10,000-$24,999.99 | 0.50% | 0.50% |
| $25,000-$49,999.99 | 0.65% | 0.65% |
| $50,000-$99,999.99 | 0.80% | 0.80% |
| $100,000 + | 0.95% | 0.95% |
Rates effective: 9/3/2010
Interest rates subject to change at any time without notice. |
IRA Fixed Rate Certificates of Deposit
| Term | Rate | Annual Percentage Yield | Minimum Balance |
| 6 Month | 0.74% | 0.75% | $100 |
| 2 Year | 1.42% | 1.45% | $100 |
| 2 Year Roth IRA | 1.42% | 1.45% | $100 |
| 2 Year Education IRA | 1.42% | 1.45% | $100 |
Rates effective: 9/3/2010
Interest rates subject to change at any time without notice. |
Statement Savings
| Rate | Annual Percentage Yield |
| 0.20% | 0.20% |
Rates effective: 9/3/2010
Interest rates subject to change at any time without notice. |
Personal NOW Checking
| Rate | Annual Percentage Yield | Minimum Balance |
| 0.10% | 0.10% | $300 |
Rates effective: 9/3/2010
Interest rates subject to change at any time without notice. |
Money Market Account
| Balance | Rate | Annual Percentage Yield |
| $100-$2,499.99 | 0.30% | 0.30% |
| $2,500 + | 0.60% | 0.60% |
Rates effective: 9/3/2010
Interest rates subject to change at any time without notice. |
Certificates of Deposit
| Term | Rate | Annual Percentage Yield | Minimum Balance |
| 6 Month | 0.74% | 0.75% | $500.00 |
| 1 Year | 1.08% | 1.10% | $500.00 |
| 18 Month | 1.27% | 1.30% | $500.00 |
| 2 Year | 1.42% | 1.45% | $500.00 |
| 4 Year | 2.34% | 2.40% | $500.00 |
| 5 Year | 2.68% | 2.75% | $500.00 |
Rates effective: 9/3/2010
Interest rates subject to change at any time without notice. |
Servicing Release Fixed Rate Mortgages
| Terms of Repayment * | Interest Rate | Annual Percent Rate | Monthly Payment | Closing Cost |
| 15 Year Fixed Rate | n/a | n/a | n/a | n/a |
| 30 Year Fixed Rate | n/a | n/a | n/a | n/a |
Rates effective: 9/3/2010
Interest rates subject to change at any time without notice. |
Current Mortgage Rates
The following are owner-occupied rates based on a loan amount of $100,000.
Fixed Rate Mortgages Serviced By Cheviot Savings
With Auto Payment
| Terms of Repayment * | Interest Rate | Annual Percent Rate | Monthly Payment | Closing Cost |
| 15 Year Fixed Rate | 4.000% | 4.124 | $739.69 | $500.00 |
| 30 Year Fixed Rate | 4.625% | 4.702% | $514.14 | $500.00 |
Rates effective: 9/3/2010
Interest rates subject to change at any time without notice. |
Servicing Release Fixed Rate Mortgages
| Terms of Repayment * | Interest Rate | Annual Percent Rate | Monthly Payment | Closing Cost |
| 15 Year Fixed Rate | n/a | n/a | n/a | n/a |
| 30 Year Fixed Rate | n/a | n/a | n/a | n/a |
Rates effective: 9/3/2010
Interest rates subject to change at any time without notice. |
ARM Loans Serviced By Cheviot Savings Bank
| Terms of Repayment * | Interest Rate | Annual Percent Rate | Monthly Payment | Closing Cost |
1 Year
ARM | 3.75% | 3.401% | $463.12 | $500.00 |
3/1 Year
ARM | 4.375% | 3.386% | $499.29 | $500.00 |
5/1 Year
ARM | 4.750% | 3.420% | $521.65 | $500.00 |
Rates effective: 9/3/2010
Interest rates subject to change at any time without notice. |
