Passbook Savings
| Rate | Annual Percentage Yield |
| 0.15% | 0.15% |
Rates effective: 2/5/2012
Interest rates subject to change at any time without notice. |
School Statement Savings
| Rate | Annual Percentage Yield |
| 0.25% | 0.25% |
Rates effective: 2/5/2012
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: 2/5/2012
Interest rates subject to change at any time without notice. |
Money Market Account Preferred
| Balance | Rate | Annual Percentage Yield |
| $100-$9,999.99 | 0.15% | 0.15% |
| $10,000-$24,999.99 | 0.35% | 0.35% |
| $25,000-$49,999.99 | 0.40% | 0.40% |
| $50,000-$99,999.99 | 0.50% | 0.50% |
| $100,000 + | 0.60% | 0.60% |
Rates effective: 2/5/2012
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 | 0.39% | 0.40% | $100 |
| 2 Year | 0.83% | 0.85% | $100 |
| 2 Year Roth IRA | 0.83% | 0.85% | $100 |
| 2 Year Education IRA | 0.83% | 0.85% | $100 |
Rates effective: 2/5/2012
Interest rates subject to change at any time without notice. |
Statement Savings
| Rate | Annual Percentage Yield |
| 0.15% | 0.15% |
Rates effective: 2/5/2012
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: 2/5/2012
Interest rates subject to change at any time without notice. |
Money Market Account
| Balance | Rate | Annual Percentage Yield |
| $100-$2,499.99 | 0.20% | 0.20% |
| $2,500 + | 0.40% | 0.40% |
Rates effective: 2/5/2012
Interest rates subject to change at any time without notice. |
Certificates of Deposit
| Term | Rate | Annual Percentage Yield | Minimum Balance |
| 6 Month | 0.39% | 0.40% | $500.00 |
| 1 Year | 0.59% | 0.60% | $500.00 |
| 18 Month | 0.74% | 0.75% | $500.00 |
| 2 Year | 0.83% | 0.85% | $500.00 |
| 4 Year | 1.61% | 1.65% | $500.00 |
| 5 Year | 1.86% | 1.90% | $500.00 |
Rates effective: 2/5/2012
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 | Call for Current Rates | | | |
| 30 Year Fixed Rate | Call for Current Rates | | | |
Rates effective: 2/5/2012
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 | 3.25% | 3.362 | 702.67 | $350 + Out of Pocket |
| 30 Year Fixed Rate | 4.00% | 4.074 | $477.42 | $350 + Out of Pocket |
Rates effective: 2/5/2012
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 | Call for Current Rates | | | |
| 30 Year Fixed Rate | Call for Current Rates | | | |
Rates effective: 2/5/2012
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 | 3.000% | 3.174% | $421.61 | $350 + Out of Pocket |
3/1 Year
ARM | 3.250% | 3.215% | $435.21 | $350 + Out of Pocket |
5/1 Year
ARM | 3.500% | 3.219% | $449.05 | $350 + Out of Pocket |
Rates effective: 2/5/2012
Interest rates subject to change at any time without notice. |
