Product Specials and Events                                                                                                                                Identity Theft | Investors Marketplace

Online Banking

First Time User?
140 years

Rondout Savings Bank is celebrating 140 years of excellence. Learn more from the President and CEO James F. Davenport.
 

 
 
A hometown bank or a bank in your hometown?
What’s the difference and why should you care? Find out here .
Verified by VISA is here........Click on the activation link below to begin........................................................................................Welcome to Rondout Savings Bank's new web site. We hope you like it and want to know what you think. Please email us with your comments or suggestions………………………………….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 07/03/2008

MORTGAGE lOAN RATES                                                                                                   Financial Calculators  Calculators

PRODUCT RATE POINTS APR* MONTHLY PAYMENT PER $1,000
15 YEAR FIXED 6.000% 0 6.094% $8.44
15 YEAR FIXED 5.750% 1 5.998% $8.30
15 YEAR FIXED 5.500% 2 5.898% $8.17
20 YEAR FIXED 6.375% 0 6.451% $7.38
20 YEAR FIXED 6.125% 1 6.325% $7.24
20 YEAR FIXED 5.875% 2 6.195% $7.09
30 YEAR FIXED 6.500% 0 6.558% $6.32
30 YEAR FIXED 6.250% 1 6.402% $6.16
30 YEAR FIXED 6.000% 2 6.242% $6.00
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

Back to top

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.

Back to top

CONSUMER LOAN RATES AND TERMS

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

*APR= Annual Percentage Rate

Back to top