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Need A Fuel Loan? Take advantage of upfront pricing discounts offered by your utility company and lock in your oil, natural gas, or propane rate with a Rondout Savings Bank fuel loan.  Contact us at (845) 331-0073 for details.                                                                       Consumer Advisory : Rondout Savings Bank does not and will not ask for personal information by telephone, email or over the Internet.  If you believe you have been fraudulently contacted please notify Rondout Savings Bank immediately at (845) 331-0073.

Rates posted as of 09/04/2008

MORTGAGE lOAN RATES                                                                                                   Financial Calculators  Calculators

PRODUCT RATE POINTS APR* MONTHLY PAYMENT PER $1,000
15 YEAR FIXED 5.750% 0 5.844% $8.30
15 YEAR FIXED 5.500% 1 5.746% $8.17
15 YEAR FIXED 5.250% 2 5.646% $8.04
20 YEAR FIXED 6.250% 0 6.326% $7.31
20 YEAR FIXED 6.000% 1 6.199% $7.16
20 YEAR FIXED 5.750% 2 6.068% $7.02
30 YEAR FIXED 6.375% 0 6.433% $6.24
30 YEAR FIXED 6.125% 1 6.275% $6.08
30 YEAR FIXED 5.875% 2 6.115% $5.92
1 YEAR ARM 5.000% 0 4.691% $5.37
3 YEAR ARM 5.125% 0 5.286% $5.44
5 YEAR FIXED/3 YEAR ADJUSTABLE 5.375% 0 5.337% $5.60
7 YEAR FIXED/3 YEAR ADJUSTABLE 5.625% 0 5.438% $5.76

CONSTRUCTION LOANS ARE ALSO AVAILABLE.  PLEASE CONTACT US FOR THE MOST RECENT RATES AND TERMS.

*APR= Annual Percentage Rate

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HOME EQUITY LOAN RATES

FIXED RATE RATE** APR* MONTHLY PAYMENT PER $1,000
1-5 YEARS 5.740% 5.740% $19.21
6-10 YEARS 6.240% 6.240% $11.22
11-15 YEARS 6.740% 6.740% $8.84
16-20 YEARS 7.240% 7.240% $7.90
ADJUSTABLE RATE INITIAL RATE APR* ADJUSTMENT CAP FLOOR CEILING
3 year adjustable 5.750%  4.836% 2.0% 5.750% 10.500%
Rate adjusts every three years using the three year treasury index.
HOME EQUITY LINE OF CREDIT Prime minus 1.00% for the first six months (5.00% - 1.00% =4.00%) then, prime rate minus .25%

*APR= Annual Percentage Rate
**The stated rate is discounted by .25% and includes a requirement that loan payments are automatically deducted from a Rondout Savings Bank checking account.

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CONSUMER LOAN RATES AND TERMS

*APR= Annual Percentage Rate

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NEW VEHICLE RATE APR* MONTHLY PAYMENT PER $1,000
12-48MONTHS 8.500% 8.500% $24.65
49-60 MONTHS 9.000% 9.00% $20.76
USED VEHICLE 
12-48 MONTHS 9.900% 9.900% $25.31
PROPERTY IMPROVEMENT 
1-5 YEARS 7.250% 7.250% $19.92
6-10 YEARS 7.500% 7.500% $11.87
NON-OWNER OCCUPIED
1-10 YEARS 8.750% 8.750% $12.53
FUEL LOANS**
1 YEAR 5.50% ** 5.50% $85.84
**The stated rate is discounted by 1.0% and includes a requirement that loan payments are automatically deducted from a Rondout Savings Bank checking account.