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We make the application and closing process easy, supporting and guiding you every step of the way. We have the flexibility to tailor a loan to your needs with competitive rates.  

Overdraft Line of Credit

With an overdraft line of credit, you get the peace of mind that you will not be charged an overdraft fee, have your debit card declined, or get your checks returned unpaid. 

The finer points:

  • Competitive rate
  • Flexibility to access and transfer funds when you overdraw your account
  • Interest is only paid on the outstanding balance
  • Line amounts from $500 - $2,500

Apply Now

To learn more, please visit a branch. 

Subject to credit approval. We will make loans up to the available credit line by advancing funds to your CSB checking account whenever necessary to prevent most withdrawal transactions (except bank service charges) from overdrawing it. Ask us for details. There is an annual fee of $25. The annual fee is waived for Performance Plus checking account customers and covered borrowers under the Military Lending Act.

Personal Unsecured Loans

Our personal loans are flexible and come with a predictable monthly payment. Use your loan to pay towards your upcoming wedding, consolidate your debt, or cover any purchase you make.

The finer points:

  • Competitive rates
  • Borrow from $1,000 - $5,000

Apply Now

To learn more, please visit a branch. 

Rates effective as of: February 18, 2020

TERM RATE APR Monthly Payment per $1,000 borrowed
36 Months 12.25% 12.53% $33.33

 

Interest rate and annual percentage rate (APR) subject to change without notice. APR based on loan amount of $5,000 at 12.25% interest rate with $20 application fee. Personal unsecured loans cannot be used for post-secondary education expenses. Subject to credit approval. Rates shown are based on 730 credit score or greater.

Deposit Account Secured Loan

If you would like to use your CSB deposit accounts to secure your loan, our Deposit Account Secured Loan may be the right choice for you.

This loan gives you the flexibility to borrow against your funds currently held with us - either with a Statement Savings account or a Certificate of Deposit (CD) account at a much better rate than a personal unsecured loan.

The finer points:

  • Competitive rates
  • Loans up to 100% loan to value
  • Lower rate than a Personal Unsecured Loan
  • Minimum loan amount is $1,000

Apply Now

To learn more, please visit a branch. 

Credit Builder Loan

If you are just starting to build your credit and may not have enough in deposits to secure your loan, our Credit Builder Loan could be a great choice for you.

This loan does not require you to have funds on deposit but instead uses the proceeds from your Credit Builder loan to fund a new Statement Savings account at a much better rate than a personal unsecured loan. You can use this loan to start building your credit.

The finer points:

  • Competitive rates
  • Loans up to 100% loan to value
  • Lower rate than a Personal Unsecured Loan
  • Minimum loan amount is $1,000

Apply Now

To learn more, please visit a branch. 

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