Mortgage Loan Rates

 Owner Occupied Purchase or Refinance
Term In
Years
Down
Payment
Equity
Rate** Origination
Fee
  APR*
15 20% 4.750% $950.00  

5.038%

20 20% 5.000% $950.00   5.232%
30 20% 5.250% $950.00   5.425%

 

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

Monthly payment example: 180 Monthly Payments of $7.78 per $1,000 borrowed at 4.750% with a corresponding APR of 5.038%.
The actual payment may be higher due to escrow on mortgages secured by 1st liens.

No Prepayment Penalties.

** Compass best rate based on Direct Deposit with Direct Payment from a Compass checking 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 May 11, 2022.

Home Equity Loan Rates

Term in Months Rate APR*
12-60 4.500% 4.500%
61-120 4.750% 4.750%
121-180 5.000% 5.000%**

* 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 $7.91 per $1,000 borrowed at 5.000% 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 May 5, 2022

Construction Loan Rates

Full Contract  (Owner Occupied)
Term In
Years
Down
Payment
Equity
Rate** Origination
Fee
Inspection
Fee
APR*
15 20% 4.750% $950.00 $300.00

5.042%

20 20% 5.000% $950.00 $300.00 5.233%
30 20% 5.250% $950.00 $300.00 5.427%

* Annual Percentage Rate** Above APR assumes a $100,000 loan amount for term stated.
Monthly payment example: 180 Monthly Payments of $7.78 per $1,000 borrowed at 4.750% with a corresponding APR of 5.042%.
The actual payment may be higher due to escrow on mortgages secured by 1st liens.

No Prepayment Penalties.

** Compass best rate based on Direct Deposit with Direct Payment from a Compass checking 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 May 11, 2022.

Automobile Loan Rates

New (Lend up to 100% of Purchase Price)
Term Rate APR* Payments Per
$1,000 Borrowed**
3 Years 2.99% 2.99% $29.08
4 Years 3.99% 3.99% $22.57
5 Years 4.99% 4.99% $18.87
Used (Lend up to 100% of Retail Value on NADA Used Car Guide)
3 Years 3.49% 3.49% $29.30
4 Years 4.49% 4.49% $22.80
5 Years 5.49% 5.49% $19.10

* 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 April 21, 2022.

Unsecured Loan Rates

TermRateAPR*Payments Per
$1,000 Borrowed**
1 Year13.00%13.00%$89.32
2 Years13.00%13.00%$47.54
3 Years13.00%13.00%$33.69
4 Years13.00%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.