Current Rates

Rate are accurate as of 04/25/25.
Rates Subject to Change Without Notice.
APY (Annual Percentage Yield)

APR (Annual Percentage Rate)

Sewickley Savings Bank makes every attempt to keep this page current, however interest rates are subject to change without notice. To verify our interest 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.

Loan Interest Rates

Fixed Rate Mortgages

Term	Interest Rate	Est. APR*
15 Year	5.625%	5.693%
20 Year	6.00%	6.055%
30 Year	6.375%	6.417%

Jumbo Mortgages (Greater than $806,500)

Term	Interest Rate	Est. APR*
15 Year	5.625%	5.639%
30 Year	6.375%	6.384%

Single-Family, Owner-Occupied loans over 80% to 90% LTV require Private Mortgage Insurance (PMI)(conventional mortgages only)
Owner-Occupied Condominiums loans over 80% to 90% LTV require Private Mortgage Insurance (PMI)(conventional mortgages only)
Single-Family, Non-Owner Occupied and Two-Family Owner and Non-Owner Occupied to 80% LTV: Call for Current Interest Rates and Terms
Three- to Four-Family Owner and Non-Owner Occupied to 75% LTV: Call for Current Interest Rates and Terms

*Estimated Annual Percentage Rates based upon a 0% Service Fee. Annual Percentage Rates and Loan Terms are subject to change without notice. A monthly principal and interest payment for a mortgage loan of $165,000 for a 30-year term at a fixed rate of 6.375%/6.417% APR is $1029.30. The calculation includes 30 days of prepaid interest. This applies for the full term of the loan. Taxes and insurance are not included in the payment amount. Above rate is for a single-family, owner-occupied dwelling. Real Estate location is restricted to Sewickley Savings Bank’s defined lending area. Property insurance is required. Approvals are subject to Sewickley Savings Bank’s underwriting guidelines.

First Time Homebuyers Program Available! Click here for details.

Home Equity Spring Loan Promotion**

Term	1st Lien	2nd Lien
120 Months	5.75% APR ***	6.00% APR ***

Fixed Rate Home Equity Loans**

Term	1st Lien	2nd Lien
12 - 60 Months	6.00% APR	6.25% APR
61 - 120 Months	6.00% APR	6.25% APR
121 - 180 Months	6.10% APR	6.35% APR
181 - 240 Months	6.20% APR	N/A

One- to Four-Family, Owner-Occupied (80% maximum LTV)

Owner Occupied Condominiums (80% maximum LTV)

**Annual Percentage Rates and Loan Terms are subject to change without notice. Minimum loan amount of $5,000 for loans up to 15 years. Minimum loan amount greater than 15 years is $20,000. Home Equity Installment Loan monthly payment per $1,000 for 5 years at 6.00% APR equals $19.34. Second lien position interest rates on home equity installment loans apply to mortgage liens recorded subordinate to non-Sewickley Savings Bank first mortgages. Closing costs are waived except for appraisal if required on loans amounts up to $250,000. Property insurance is required. Borrower paid Title Insurance is required for loans exceeding $250,000. If your loan is prepaid within 36 months, you will reimburse Sewickley Savings Bank for third-party closing costs paid. Approvals subject to Sewickley Savings Bank's underwriting guidelines. Collateralized real estate location restricted to Sewickley Savings Bank's lending area.

*** APR includes a 1/4% discount dependent upon automatic payment transfer from an eligible Sewickley Savings Bank deposit account. No closing costs on loan amounts up to $250,000. New money requirement of $10,000.

Variable Interest Rate Home Equity Line of Credit****

Wall Street Journal Prime Rate +0%
One- to Four-Family, Owner-Occupied Only (80% maximum LTV) Minimum APR: 3.00% Maximum APR: 18.00% Minimum Draw: $500.00 Minimum Monthly Payment: Accrued interest or $100.00, whichever is greater Commitment Term: 120 Months Annual Fee: $40.00 (waived first year)

****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 $250,000. If your loan is prepaid in full within 36 months, you will reimburse Sewickley Savings Bank for third party closing costs paid. Collateralized real estate location restricted to Sewickley Savings Bank's lending area.

Deposit Interest Rates

Preferred Checking Account

Balance Tier	Interest 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	Interest 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	Interest 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	Interest 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	0.15%	0.15%

Minimum to open $100.00

Money Market Checking Account

Balance Tier	Interest 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	0.15%	0.15%
$200,000.00 and Over	0.15%	0.15%

Minimum to open $1,000.00

Statement Savings Account

Balance Tier	Interest 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	0.15%	0.15%
$200,000.00 and Over	0.15%	0.15%

Minimum to open $20.00

Christmas Club Account

Balance Tier	Interest Rate	APY*
$0.00 - $499.99	0.00%	0.00%
$500.00 - $19,999.99	0.05%	0.05%
$20,000.00 and Over	0.15%	0.15%

Minimum to open $25.00

Certificate Interest Rates

Term	Interest Rate	APY*	Minimum to Open
91 Day	0.15%	0.15%	$2,500.00
182 Day	4.20%	4.20%	$2,500.00
9 Month	4.15%	4.15%	$500.00
11 Month	3.00%	3.00%	$500.00
1 Yr	4.00%	4.00%	$500.00
13 Month	3.00%	3.00%	$500.00
15 Month	3.00%	3.00%	$500.00
18 Month	3.75%	3.75%	$500.00
2 Yr	2.15%	2.15%	$500.00
25 Month	0.50%	0.50%	$500.00
30 Month	0.50%	0.50%	$500.00
3 Yr	3.00%	3.00%	$500.00
4 Yr	0.50%	0.50%	$500.00
5 Yr	0.50%	0.50%	$500.00
7 Yr	0.40%	0.40%	$500.00
182 Day Jumbo CD	0.20%	0.20%	$100,000.00
365 Day Jumbo CD	0.25%	0.25%	$100,000.00
182 Day Commercial Jumbo CD	0.20%	0.20%	$100,000.00
365 Day Commercial Jumbo CD	0.25%	0.25%	$100,000.00

IRA Certificate Interest Rates

Term	Interest Rate	IRA /Roth/ESA APY*	Minimum to Open
91 Day	0.15%	0.15%	$500.00
182 Day	4.20%	4.28%	$500.00
9 Month	4.15%	4.23%	$500.00
11 Month	3.00%	3.04%	$500.00
1 Yr	4.00%	4.07%	$500.00
13 Month	3.00%	3.04%	$500.00
15 Month	3.00%	3.04%	$500.00
18 Month	3.75%	3.81%	$500.00
2 Yr	2.15%	2.17%	$500.00
30 Month	0.50%	0.50%	$500.00
3 Yr	3.00%	3.04%	$500.00
4 Yr	0.50%	0.50%	$500.00
5 Yr	0.50%	0.50%	$500.00
7 Yr	0.40%	0.40%	$500.00

Roth IRAs are not available in all terms - see below

* Annual Percentage Yield

** All interest rates and Annual Percentage Yield subject to change

Penalty may be imposed for early withdrawals from certificates of deposit

IRAs have additional IRS requirements
Roth IRAs are only available for the following terms: 9 month, 11-month, 13-month, 15-month, 1 year, 2 year, 3 year, 5 year, and 7 year.