Passbook Savings
| Rate | Annual Percentage Yield |
| 0.25% | 0.25% |
Rates effective: 3/9/2010
Interest rates subject to change at any time without notice. |
School Statement Savings
| Rate | Annual Percentage Yield |
| 0.75% | 0.75% |
Rates effective: 3/9/2010
Interest rates subject to change at any time without notice. |
Business NOW Checking
| Rate | Annual Percentage Yield | Minimum Balance |
| 0.15% | 0.15% | $1,000 |
Rates effective: 3/9/2010
Interest rates subject to change at any time without notice. |
Money Market Account Preferred
| Balance | Rate | Annual Percentage Yield |
| $100-$9,999.99 | 0.30% | 0.30% |
| $10,000-$24,999.99 | 0.55% | 0.55% |
| $25,000-$49,999.99 | 0.70% | 0.70% |
| $50,000-$99,999.99 | 0.85% | 0.85% |
| $100,000 + | 0.99% | 1.00% |
Rates effective: 3/9/2010
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 | 0.79% | 0.80% | $100 |
| 2 Year | 1.76% | 1.80% | $100 |
| 2 Year Roth IRA | 1.76% | 1.80% | $100 |
| 2 Year Education IRA | 1.76% | 1.80% | $100 |
Rates effective: 3/9/2010
Interest rates subject to change at any time without notice. |
Statement Savings
| Rate | Annual Percentage Yield |
| 0.25% | 0.25% |
Rates effective: 3/9/2010
Interest rates subject to change at any time without notice. |
Personal NOW Checking
| Rate | Annual Percentage Yield | Minimum Balance |
| 0.15% | 0.15% | $300 |
Rates effective: 3/9/2010
Interest rates subject to change at any time without notice. |
Money Market Account
| Balance | Rate | Annual Percentage Yield |
| $100-$2,499.99 | 0.35% | 0.35% |
| $2,500 + | 0.65% | 0.65% |
Rates effective: 3/9/2010
Interest rates subject to change at any time without notice. |
Certificates of Deposit
| Term | Rate | Annual Percentage Yield | Minimum Balance |
| 6 Month | 0.79% | 0.80% | $500.00 |
| 1 Year | 1.32% | 1.35% | $500.00 |
| 18 Month | 1.42% | 1.45% | $500.00 |
| 2 Year | 1.76% | 1.80% | $500.00 |
| 4 Year | 2.44% | 2.50% | $500.00 |
| 5 Year | 2.87% | 2.95% | $500.00 |
Rates effective: 3/9/2010
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: 3/9/2010
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 | 4.375% | 4.505% | $758.62 | $350+out of pocket cost |
| 30 Year Fixed Rate | 5.000% | 5.082% | $536.83 | $350+out of pocket cost |
Rates effective: 3/9/2010
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: 3/9/2010
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% | 3.472% | $463.12 | $350+out of pocket cost |
3/1 Year
ARM | 4.375% | 3.676% | $499.29 | $350+out of pocket cost |
5/1 Year
ARM | 4.750% | 3.950% | $521.65 | $350+out of pocket cost |
Rates effective: 3/9/2010
Interest rates subject to change at any time without notice. |
