Mortgage Loan Rates

 Owner Occupied Purchase or Refinance
Term In
Years
Down
Payment
Equity
Rate** Origination
Fee
  APR*
15 20% 5.250% $950.00  

5.504%

20 20% 5.500% $950.00   5.703%
30 20% 5.750% $950.00   5.903%

 

*Annual Percentage Rate** Above APR assumes a $100,000 loan amount for term stated.

Monthly payment example: 180 Monthly Payments of $8.04 per $1,000 borrowed at 5.250% with a corresponding APR of 5.504%.
The actual payment may be higher due to escrow on mortgages secured by 1st liens.

No Prepayment Penalties.

** Compass rate based on Direct Deposit with Auto Payment from a Compass Checking with interest account. Compass offers a 0.25% discount with Direct Deposit and Auto Payment from a Compass Checking with interest account.

Minimum down payment with Private Mortgage Insurance (PMI) is 5% and will increase the APR.
Interest may be tax deductible, please contact your tax advisor.
Rates effective September 20, 2022.

Home Equity Loan Rates

Term in Months Rate APR*
12-60 5.750% 5.750%
61-120 6.000% 6.000%
121-180 6.250% 6.250%**

* Annual Percentage Rate
** Above APR assumes a $100,000 loan amount for term stated. All loans require an appraisal paid for by the applicant.
Monthly payment example: 180 monthly payments of $8.57 per $1,000 borrowed at 6.250% APR.
Requires new money of $10,000. Maximum loan amount 85% of appraised value.
Interest may be tax deductible, please consult your tax advisor.
Loan approval subject to Compass Savings Bank loan underwriting guidelines.
Limited to owner-occupied single-family properties.
Rates effective September 20, 2022

Construction Loan Rates

Full Contract  (Owner Occupied)
Term In
Years
Down
Payment
Equity
Rate** Origination
Fee
Inspection
Fee
APR*
15 20% 5.250% $950.00 $400.00

5.558%

20 20% 5.500% $950.00 $400.00 5.750%
30 20% 5.750% $950.00 $400.00 5.942%

* Annual Percentage Rate** Above APR assumes a $100,000 loan amount for term stated.
Monthly payment example: 180 Monthly Payments of $8.04 per $1,000 borrowed at 5.250% with a corresponding APR of 5.558%.
The actual payment may be higher due to escrow on mortgages secured by 1st liens.

No Prepayment Penalties.

** Compass rate based on Direct Deposit with Auto Payment from a Compass Checking with interest account. Compass offers a 0.25% discount with Direct Deposit and Auto Payment from a Compass Checking with interest account.

Compass offers Owner Builder Construction Loans and Construction Period Only loans please call for rates and terms.

Minimum down payment with Private Mortgage Insurance (PMI) is 5% and will increase the APR
Interest may be tax deductible, please contact your tax advisor.
Rates effective September 20, 2022.

Automobile Loan Rates

New (Lend up to 100% of Purchase Price)
Term Rate APR* Payments Per
$1,000 Borrowed**
3 Years 3.99% 3.99% $29.52
4 Years 4.99% 4.99% $23.02
5 Years 5.99% 5.99% $19.33
Used (Lend up to 100% of Retail Value on NADA Used Car Guide)
3 Years 4.49% 4.49% $29.74
4 Years 5.49% 5.49% $23.25
5 Years 6.49% 6.49% $19.56

* Annual Percentage Rate
** Payment based on $1,000 loan amount per rate and term stated.
Subject to Compass Savings Bank underwriting guidelines.
Rates subject to change without notice.
Effective June 16, 2022.

Unsecured Loan Rates

Term Rate APR* Payments Per
$1,000 Borrowed**
1 Year 13.00% 13.00% $89.32
2 Years 13.00% 13.00% $47.54
3 Years 13.00% 13.00% $33.69
4 Years 13.00% 13.00% $26.83

* Annual Percentage Rate
** Payment based on $1,000 loan amount per rate and term stated.
Subject to Compass Savings Bank underwriting guidelines.
Rates subject to change without notice.
Effective February 28, 2018.