Sewickley Savings Bank makes every attempt to keep this page current, however rates are subject to change without notice. To verify our rates, please speak with a Personal Banking Representative. Call for more information. For a listing of our addresses and phone numbers, visit our Locations Page. 

Link to: Loan Rates | Deposit Rates | Certificate Rates

Loan Rates

Rates effective 05/20/2013
Conventional Fixed Rate Mortgages Term Rate Est. APR* 10 Year 3.00% 3.148% 15 Year 3.00% 3.102% 20 Year 4.00% 4.105% 25 Year 4.75% 4.847% 30 Year 4.75% 4.835% Jumbo Mortgages (>$417,000.00)  Term Rate Est. APR* 10 Year 4.25% 4.374% 15 Year 4.25% 4.336% 20 Year 5.00% 5.077% 25 Year 5.00% 5.065% 30 Year 5.00% 5.057% Single Family Owner Occupied loans over 80% to 90% LTV: require Private Mortgage Insurance(PMI)(Conventional mortgages only) Owner Occupied Condominiums: Add 1/4% to Above Rates Single Family Non-Owner Occupied and Two Family Owner and Non Owner Occupied to 80% LTV: Call for Current Rates and Terms Three to Four Family Owner and Non-Owner Occupied to 75% LTV: Call for Current Rates and Terms First Time Homebuyers Programs 1/2% below above listed rates, 50% of Standard Service Fee Borrower Paid PMI for 91% - 95% L.T.V. Loans / Lender paid PMI for 81% to 90% L.T.V. Loans Limitations on maximum family income and home sale price *Estimated Annual Percentage Rates based upon a 0% Service Fee. Rates and APR subject to change without notice. An example of a monthly principal and interest payment for a mortgage loan of $165,000 for a 30 year term at a fixed rate of 4.75% is $860.72. Collateralized Real Estate location restricted to Sewickley Savings Bank's defined Lending Area. Property insurance is required. Approvals subject to Sewickley Savings Bank's underwriting guidelines. Fixed Rate Home Equity Loans** 1 - 4 Family owner occupied (80% maximum L.T.V.) Term 1st Lien 2nd Lien 12 - 60 Months 3.75% APR 4.00% APR 61 - 120 Months 4.00% APR 4.25% APR 121 - 180 Months 4.15% APR 4.40% APR 181 - 240 Months 4.15% APR NA Owner Occupied Condominiums: Add 1/4% to Above Rates 1 -4 Family Non Owner Occupied (75% Maximum Loan to Value)** Term 1st Lien 2nd Lien 12 - 60 Months 5.50% APR 5.75% APR 61 - 120 Months 5.75% APR 6.00% APR 121 - 180 Months 6.00% APR 6.25% APR Variable Rate Home Equity Lines of Credit** 1 - 4 Family Owner Occupied Only (80% Maximum Loan to Value) Six Month Initial APR: 1.50%  (May be below minimum APR) Regular Variable Rate: Wall Street Journal Prime Rate + 0% Minimum APR: 3.00% Maximum APR: 18.00% Minimum Draw: $500.00 Min. Monthly Payment: 1.5% of Outstanding Balance or $100.00, whichever is greater Commitment Term: 120 Months Annual Fee: $40.00 (Waived first year) **Annual Percentage Rates and loan terms are effective as of this date and are subject to change without notice. Minimum loan amount for 12 -180 month terms is $5,000; minimum loan amount for 181- 240 month terms is $20,000. Home Equity Installment Loan monthly payment per $1,000 for 5 years at 3.75% APR equals $18.34. Second lien position rates on home equity installment loans apply to mortgage liens recorded subordinate to non Sewickley Savings Bank first mortgages. Home Equity Line of Credit six month initial rate is based upon a daily periodic rate of .00410959 for 365 days.  A balloon payment may be due at maturity. Closing costs are waived unless an appraisal is required. Property insurance is required. Approvals subject to Sewickley Savings Bank's underwriting guidelines. Title insurance is required for loans exceeding $100,000. Closing cost reimbursement charge may apply during the first 36 months of the loan term. Collateralized real estate location restricted to Sewickley Savings Bank's lending area.
Deposit Rates
Rates effective 05/20/2013
Preferred Checking Account Balance Tier Rate APY* $1.00 - $499.99 0.00% 0.00% $500.00-$999.99 0.00% 0.00% $1,000.00-$2,499.99 0.00% 0.00% $2,500.00 and Over 0.05% 0.05% Minimum to open $50.00 Choice Checking Account Balance Tier Rate APY* $1.00 - $499.99 0.00% 0.00% $500.00-$1,499.99 0.00% 0.00% $1,500.00 and Over 0.05% 0.05% Minimum to open $20.00 Business Interest Checking Account Balance Tier Rate APY* $1.00 - $1,499.99 0.00% 0.00% $1,500.00 - $4,999.99 0.00% 0.00% $5,000.00 - $19,999.99 0.05% 0.05% $20,000.00 and Over 0.05% 0.05% Minimum to open $100.00 Business Relationship Interest Checking Account Balance Tier Rate APY* $1.00 - $1,499.99 0.00% 0.00% $1,500.00 - $4,999.99 0.10% 0.10% $5,000.00 - $19,999.99 0.10% 0.10% $20,000.00 and Over 0.20% 0.20% Minimum to open $100.00 Money Market Checking Account Balance Tier Rate APY* $0.00 - $2,499.99 0.00% 0.00% $2,500.00 - $49,999.99 0.05% 0.05% $50,000.00 - $69,999.99 0.10% 0.10% $70,000.00 - $99,999.99 0.10% 0.10% $100,000.00 - $199,999.99 0.20% 0.20% $200,000.00 and Over 0.20% 0.20% Minimum to open $1,000.00   Fees could reduce earnings Money Market Savings Account Balance Tier Rate APY* $0.00 - $2,499.99 0.00% 0.00% $2,500.00 - $49,999.99 0.05% 0.05% $50,000.00 - $69,999.99 0.10% 0.10% $70,000.00 - $99,999.99 0.10% 0.10% $100,000.00 - $199,999.99 0.20% 0.20% $200,000.00 and Over 0.20% 0.20% Minimum to open $1,000.00 Classic Savings Account Balance Tier Rate APY* $0.00 - $2,499.99 0.05% 0.05% $2,500.00 - $49,999.99 0.05% 0.05% $50,000.00 - $69,999.99 0.10% 0.10% $70,000.00 - $99,999.99 0.10% 0.10% $100,000.00  - $199,999.99 0.20% 0.20% $200,000.00 and Over 0.20% 0.20% Minimum to open $1.00 Statement Savings Account Balance Tier Rate APY* $0.00 - $2,499.99 0.05% 0.05% $2,500.00 - $49,999.99 0.05% 0.05% $50,000.00 - $69,999.99 0.10% 0.10% $70,000.00 - $99,999.99 0.10% 0.10% $100,000.00 - $199,999.99 0.20% 0.20% $200,000.00 and Over 0.20% 0.20% Minimum to open $20.00 Christmas Club Account Balance Tier Rate APY* $0.00 - $499.99 0.00% 0.00% $500.00 - $19,999.99 0.05% 0.05% $20,000.00 and Over 0.20% 0.20% Minimum to open $25.00 Educational Savings Account Balance Tier Rate APY* $1.00 - $2,499.99 0.05% 0.05% $2,500.00 - $49,999.99 0.05% 0.05% $50,000.00 - $69,999.99 0.10% 0.10% $70,000.00 - $99,999.99 0.10% 0.10% $100,000.00 -$199,999.99 0.20% 0.20% $200,000.00 and Over 0.20% 0.20% Minimum to open $25.00
Certificate Rates
Rates effective 05/20/2013
Certificate Rates Term Rate APY* Minimum to Open 91 Day 0.20% 0.20% $2,500.00 182 Day 0.35% 0.35% $2,500.00 9 Month 0.35% 0.35% $500.00 1 Yr 0.45% 0.45% $500.00 15 Month 0.50% 0.50% $500.00 18 Month 0.55% 0.55% $500.00  2 Yr 0.70% 0.70% $500.00 30 Month 1.00%  1.00%  $500.00 3 Yr 1.10% 1.10% $500.00 4 Yr 1.25% 1.25% $500.00 5 Yr 1.50% 1.50% $500.00 7 Yr 2.00%  2.00% $500.00  182 Day Jumbo CD 0.35% 0.35% $95,000.00 365 Day Jumbo CD 0.45% 0.45% $95,000.00 182 Day Commerical Jumbo CD 0.35% 0.35% $100,000.00 365 Day Commercial Jumbo CD 0.45% 0.45% $100,000.00 IRA Certificate Rates Term Rate IRA /Roth/ESA APY* Minimum to Open 91 Day 0.20% 0.20% $500.00 182 Day 0.35% 0.35% $500.00 9 Month 0.35% 0.35% $500.00 1 Yr 0.45% 0.45% $500.00 15 Month 0.50% 0.50% $500.00 18 Month 0.55% 0.55% $500.00 2 Yr 0.70% 0.70% $500.00 30 Month 1.00%  1.00% $500.00 3 Yr 1.10% 1.11% $500.00 4 Yr 1.25% 1.26% $500.00 5 Yr 1.50% 1.51% $500.00 7 Yr 2.00%  2.02% $500.00 18 Month IRA Var. Rate ** 0.55% 0.55% $100.00 * Annual Percentage Yeild ** All rates and Annual Percentage Yeild subject to change - IRA variable rates subject to change the 1st Tuesday of every month Penalty may be imposed for early withdrawals from certificates of deposit IRA's and Educational Savings Accounts have additional IRS requirements. Please contact any our offices for details. Roth IRAs and ESAs are only available for the following terms: 9 month, 15 month, 1 year, 3 year, 5 year, 7 year.