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Our Rates

Our Deposit and Loan Interest Rates

  • APY = Annual Percentage Yield
  • Interest Rates and APYs are effective 02/19/2021
  • The APY may change after the account is opened
  • Fees could reduce the earnings on the interest-bearing accounts

Account Type Minimum Deposit  to Open Minimum Balance to obtain APY Interest Rate APY
E-Access Checking N/A N/A N/A N/A
Direct Checking N/A N/A N/A N/A
Basic Banking Checking $25.00 N/A
N/A 
N/A
Senior Checking N/A N/A
N/A
N/A
Student Checking N/A N/A
N/A
N/A
Holiday Club Account $3.00 $3.00 .20% .20%
Interest Checking N/A N/A .05%
.05%
Statement Savings N/A $100.00 .10% .10%
Money Market Checking N/A N/A .20%
.20%
Super Money Market Checking $25,000.00
Tier 4 $200,000.00 or Higher .30% .30%
Tier 3 $100,000.00 to $199,999.99 .20% .20%
Tier 2 $25,000.00 to $99,999.99 .15% .15%
Tier 1 __
$.01
to
$24,999.99
.10% .10%
Business Regular Checking N/A N/A N/A N/A
Small Business Checking N/A N/A N/A N/A
IOLA Interest Checking
N/A N/A .05% .05%
Public Fund Savings
N/A $100.00 .10% .10%
Public Fund Interest Checking
N/A N/A .10% .10%
Public Fund Money Market Checking
N/A N/A .10% .10%
Public Fund Super Money Market Checking
$25,000.00
Tier 4
$200,000.00 or Higher .15% .15%
Tier 3
$100,000.00 to $199,999.99 .15% .15%
Tier 2
$25,000.00 to $99,999.99 .15% .15%
Tier 1
__
$.01 
to
$24,999.99
.10% .10%
Any Catskill Hudson Bank Certificate of Deposit account may be used as an IRA investment with a minimum opening deposit of $500.00.

  • APY=Annual Percentage Yield
  • Interest Rates and APYs are effective 02/18/2021
  • The interest rate will not change for term of the account
  • The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings
  • We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day
  • A penalty may be imposed for early withdrawal

Term Interest Rate APY Minimum Opening Deposit
3 Month CD .12% .12% $1,000.00
6 Month CD .18% .18% $1,000.00
12 Month CD .25% .25% $1,000.00
18 Month CD .30% .30% $1,000.00
24 Month CD .40% .40% $1,000.00
30 Month CD .45% .45% $1,000.00
36 Month CD .50% .50% $1,000.00
48 Month CD .60% .60% $1,000.00
60 Month CD .65% .65% $1,000.00
APRs (1) accurate as of Tuesday April 6, 2021

Interest Rate
(as low as)
Points APR (1) Monthly Payment Per $1000
30 Year Fixed 3.000% 0 3.042% $4.22
20 Year Fixed 2.750% 0 2.800% $5.42
15 Year Fixed 2.625% 0 2.699% $6.73
10 Year Fixed 2.625% 0 2.733% $9.48
(1) APR = Annual Percentage Rate. Rates are subject to change without notice.
APRs (1) accurate as of Tuesday April 6, 2021

Interest Rate
(as low as)
Points APR (1) (2) Monthly Payment Per $1000
5/1 ARM
5 Year Fixed / 1 Year Adjustable for 30 Year Term (3)
2.750% 0 2.790% $4.08
7/1 ARM
7 Year Fixed / 1 Year Adjustable for 30 Year Term (3)
2.750% 0 2.790% $4.08
10/1 ARM
5 Year Fixed / 1 Year Adjustable for 30 Year Term (3)
2.750% 0 2.790% $4.08
(1) APR = Annual Percentage Rate. Rates are subject to change without notice. | (2) The APR for 5 year fixed/1 year adjustable, 7 year fixed/1 year adjustable, 10 year fixed/1 year adjustable mortgage products may be increased during the loan term | (3) The margin rate is 2.750% and will be the floor rate. First adjustment is based on a current index, plus a margin, subject to the floor rate and annual and lifetime adjustment caps. Loans are subject to credit approval. Escrow may be required for loans with a loan balance to appraisal value that is greater than 80%. Payments do not include amounts for applicable taxes and insurance premiums. Actual monthly payments will be greater. Other conditions may apply. Catskill Hudson Bank cannot be held responsible for online calculator errors.
Bank Paid Closing Cost (6)
APRs (1) accurate as of Tuesday April 6, 2021

APR (1) (4)
Interest Rate (4)
Minimum / Maximum Line Available (5)
3.500% Prime + .25% $20,000 - $200,000
(1) APR = Annual Percentage Rate. Rates are subject to change without notice. | (4) Rate is variable and subject to change at any time. The maximum rate is 14.500%. Prime rate plus 0.250% with a floor rate of 3.500% (the start rate). Rate based on the Wall Street Journal (WSJ) Prime rate plus .250%. WSJ Prime rate is published in the Money Rates section of the Wall Street Journal “Latest U.S. Prime Rate” The WSJ Prime rate is presently: 3.250% and last changed Monday, March 16, 2020 | (5) Total Indebtedness (Combined Mortgages) may not exceed $548,250. | (6) Catskill Hudson Bank will pay all standard closing costs with the exception of Title Insurance, required on 1st lien loans. If required, Title Insurance costs can range between $650 to $1,500 depending on the loan transaction. A recapture fee, not to exceed costs incurred by the bank, will be charged if the line is paid off and closed within the first 36 months. Other Fees: Return Check $20, Stop Payment $30. Please contact us for additional information. All loans are subject to credit and underwriting approval. Maximum approved financing is 80% of appraised value of the house minus existing first mortgage balance, if any. The maximum rate is 14.500%. Minimum draw at closing is 20% of the credit line or $25,000 whichever is less. The Minimum draw amount is $500.00 Customer required to maintain property insurance. Other conditions may apply.
Bank Paid Closing Cost (7)
APRs (1) accurate as of Tuesday April 6, 2021


Interest Rate
(as low as)
APR (1) Monthly Payment Per $1000
5 Years 3.000% 3.050% $17.97
10 Years  3.125% 3.152% $9.71
15 Years  3.375% 3.395% $7.09
20 Years  3.750% 3.768% $5.93
(1) APR = Annual Percentage Rate. Rates are subject to change without notice. | (7) Catskill Hudson Bank will pay all standard closing costs with the exception of Title Insurance, required on 1st lien loans. If required, Title Insurance costs can range between $650 to $3,700 depending on the loan transaction. A recapture fee, not to exceed costs incurred by the bank, will be charged if the line is paid off and closed within the first 36 months. All loans are subject to credit and underwriting approval. Payments are fixed monthly payments of Principal and Interest for the life of the loan and do not include amounts for applicable taxes and insurance premiums. The actual monthly payments will be greater. Fixed rates, APRs and terms are shown as first lien. Second lien terms available, rates may be higher. Maximum approved financing is 80% of appraised value of the house minus existing first mortgage balance, if any. If Catskill Hudson Bank holds the first lien mortgage, then maximum combined financing is 89.9% LTV. Minimum loan amount of $20,000, maximum of $548,250. Total Indebtedness (Combined Mortgages) may not exceed $548,250. Customer required to maintain property insurance. Other terms and conditions may apply. Catskill Hudson Bank cannot be held responsible for online calculator errors.
Please contact your local branch for current loan rates
Please contact your local branch for current loan rates