• Skip to main content
Mobile Navigation
Torrington Savings Bank Login
Torrington Savings Bank
Secondary Navigation
  • Locations
  • Support
  • Rates
  • Learn
Global Navigation
  • Personal
  • Business
  • Wealth
  • About TSB
  • Foundation

Login to TSB Online Banking

  • Online
    Banking
  • Other
    Logins
  • Sign Up
    / Help
Online Banking
Other Logins
Mortgage Center
Accunet
Sign Up/Help

Want to sign up for Online Banking?

Register For Personal Use
Register For Business Use
Need help?
Sign In Problems FAQ
Forgot Password
Privacy Pledge (PDF)

Main Navigation

  • Loans
    Mortgage Rates Icon

    Compare Mortgage Rates

    We offer a variety of terms all with great rates. See which one is best for your needs!

    View Rates
    • Compare Home Loans
      • First Time Homebuyers
      • Buyer’s Boost
      • Refi Boost
      • Conventional Mortgage
      • Jumbo Mortgage
      • Construction Loan
    • Contact a Residential Lender
    • Home Equity Comparison
      • Home Equity Loan
      • Home Equity Line of Credit
    • Personal Loan
      • Collateral Secured Loans
      • Life Loan
      • Overdraft Line of Credit

    TS Foundation Partners with the Women’s Business Development Council (WBDC)

    Torrington Savings Foundation Awards Over $119,000 in Support of Housing & Education

  • Checking
    compare accounts icon

    Check Out TSB Checking

    Find Your Best Checking Account at Torrington Savings Bank!

    Learn More
    • Compare Checking Accounts
      • My Generation Checking
      • Hometown Checking Account
      • Advantage NOW Checking
      • Advantage 50 Checking
    • Online Banking
      • Bill Pay
    • Mobile Banking
      • Digital Wallet
      • Mobile Check Deposit
    • Debit Cards
      • Card Controls
    • ATM
    • Telephone Banking
    • Overdraft Protection

    TS Foundation Partners with the Women’s Business Development Council (WBDC)

    Torrington Savings Foundation Awards Over $119,000 in Support of Housing & Education

  • Savings
    Mobile Check Deposit Icon

    Mobile Check Deposit

    Save time and a visit to the branch by using Mobile Deposit with our TSB Mobile Banking App. It makes depositing checks a snap!

    Learn More
    • Compare Savings Options
      • Hometown Savings
      • Hometown Money Market
      • Build Your Own Club Savings
      • First Time Savers
    • CD (Certificates of Deposit)
    • IRA
    • Online Banking
      • eStatements
    • Mobile Banking
      • Mobile Check Deposit
    • Telephone Banking

    TS Foundation Partners with the Women’s Business Development Council (WBDC)

    Torrington Savings Foundation Awards Over $119,000 in Support of Housing & Education

  • Credit Cards
  • tsb-search-mono
  • Deposit Rates
  • Home Equity Rates
  • Loan Rates
  • Mortgage Rates

Mortgage Rates

15 Year Fixed Rate Mortgage

Effective Date: July 3, 2022

Apply Now
Rate APR Points
4.500 4.519 0 Get a Personalized Rate Learn More
4.375 4.543 1 Get a Personalized Rate Learn More
4.250 4.569 2 Get a Personalized Rate Learn More

Conventional Mortgages Details

Maximum loan limit is $647,200.00. Conventional LTV (loan to value) 80.01% to 97% may require MI. Payment example: $100,000.00 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. This does not include taxes and/or insurance. Property insurance is required. Flood insurance may be required. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $578.59 to $605.87 on single family, $728.59 to $755.87 on two to four family properties; existing, owner occupied properties; $703.59 to $730.87 on investment properties; and $728.59 to $755.87 on new construction. Application fee includes cost of appraisal and credit reports. Consult a loan representative for more details. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

20 Year Fixed Rate Mortgage

Effective Date: July 3, 2022

Apply Now
Rate APR Points
4.875 4.890 0 Get a Personalized Rate Learn More
4.750 4.884 1 Get a Personalized Rate Learn More
4.625 4.878 2 Get a Personalized Rate Learn More

Conventional Mortgages Details

Maximum loan limit is $647,200.00. Conventional LTV (loan to value) 80.01% to 97% may require MI. Payment example: $100,000.00 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. This does not include taxes and/or insurance. Property insurance is required. Flood insurance may be required. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $578.59 to $605.87 on single family, $728.59 to $755.87 on two to four family properties; existing, owner occupied properties; $703.59 to $730.87 on investment properties; and $728.59 to $755.87 on new construction. Application fee includes cost of appraisal and credit reports. Consult a loan representative for more details. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

30 Year Fixed Rate Mortgage

Effective Date: July 3, 2022

Apply Now
Rate APR Points
5.375 5.386 0 Get a Personalized Rate Learn More
5.250 5.351 1 Get a Personalized Rate Learn More
5.125 5.316 2 Get a Personalized Rate Learn More

Conventional Mortgages Details

Maximum loan limit is $647,200.00. Conventional LTV (loan to value) 80.01% to 97% may require MI. Payment example: $100,000.00 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. This does not include taxes and/or insurance. Property insurance is required. Flood insurance may be required. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $578.59 to $605.87 on single family, $728.59 to $755.87 on two to four family properties; existing, owner occupied properties; $703.59 to $730.87 on investment properties; and $728.59 to $755.87 on new construction. Application fee includes cost of appraisal and credit reports. Consult a loan representative for more details. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

30 Year Fixed Rate First Time Home Buyer

Effective Date: July 3, 2022

Apply Now
Rate APR Points
5.250 5.481 0 Get a Personalized Rate Learn More

First Time Homebuyers Details

Successful completion of our free Homebuyer education course is required to receive the $600 credit towards closing cost. This credit is for First Home Purchases only, and is subject to qualification, credit approval and closing. The discount will be taken at closing time. Maximum loan limit is $647,200.00. Down payments of 10-19% may require mortgage insurance. Less that 10% down requires mortgage insurance. 60-day commitment. Must be owner-occupied 1-2 family homes in Connecticut. Properties with underground oil storage tanks are not eligible. Rates reflect discount for Auto-Pay from a TSB account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $578.59 to $605.87 on single family, existing, owner occupied properties; and $728.59 to $755.87 on new construction. Application fee includes cost of appraisal and credit reports. Consult a loan representative for more details.

Buyer’s Boost – Purchase – No MI – 15 Year Fixed Rate

Effective Date: July 3, 2022

Apply Now
Rate APR Points
4.500 4.592 .50 Get a Personalized Rate Learn More

Buyer’s Boost Details

Buyer’s Boost – Purchase – No MI – Fixed Rate

Maximum loan limit is $647,200.00 Payment example: $100,000.00 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. This does not include taxes or insurance escrow. APR’s based on $100,000.00 mortgage, 20% down payment. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Property insurance is required. Flood insurance may be required. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $578.59 to $605.87 on single family, existing, owner occupied properties; and $728.59 to $755.87 on new construction. Application fee includes cost of appraisal and credit reports. Available to borrower(s) at a maximum loan to value of 90% without the need for Mortgage Insurance. 1-2 Family, owner occupied or second home; no Investment. Purchase only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI. No Prepayment Penalty. Consult a loan representative for more details. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Buyer’s Boost – Purchase – No MI – Jumbo
Minimum loan limit is $647,201.00. Maximum loan limit $1,000,000.00. Payment example: $100,000.00 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. This does not include taxes or insurance escrow. APR’s based on $100,000.00 mortgage, 20% down payment. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Property insurance is required. Flood insurance may be required. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $728.59 to $755.87 on single family, existing, owner occupied properties; and $828.59 to $855.87 on new construction. Application fee includes cost of appraisal and credit reports. Available to borrower(s) at a maximum loan to value of 90% without the need for Mortgage Insurance. 1-2 Family, owner occupied or second home; no Investment. Purchase only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 97% may require MI. No Prepayment Penalty. Consult a loan representative for more details. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Buyer’s Boost – Purchase – No MI – 30 Year Fixed Rate

Effective Date: July 3, 2022

Apply Now
Rate APR Points
5.375 5.430 .50 Get a Personalized Rate Learn More

Buyer’s Boost Details

Buyer’s Boost – Purchase – No MI – Fixed Rate

Maximum loan limit is $647,200.00 Payment example: $100,000.00 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. This does not include taxes or insurance escrow. APR’s based on $100,000.00 mortgage, 20% down payment. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Property insurance is required. Flood insurance may be required. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $578.59 to $605.87 on single family, existing, owner occupied properties; and $728.59 to $755.87 on new construction. Application fee includes cost of appraisal and credit reports. Available to borrower(s) at a maximum loan to value of 90% without the need for Mortgage Insurance. 1-2 Family, owner occupied or second home; no Investment. Purchase only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI. No Prepayment Penalty. Consult a loan representative for more details. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Buyer’s Boost – Purchase – No MI – Jumbo
Minimum loan limit is $647,201.00. Maximum loan limit $1,000,000.00. Payment example: $100,000.00 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. This does not include taxes or insurance escrow. APR’s based on $100,000.00 mortgage, 20% down payment. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Property insurance is required. Flood insurance may be required. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $728.59 to $755.87 on single family, existing, owner occupied properties; and $828.59 to $855.87 on new construction. Application fee includes cost of appraisal and credit reports. Available to borrower(s) at a maximum loan to value of 90% without the need for Mortgage Insurance. 1-2 Family, owner occupied or second home; no Investment. Purchase only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 97% may require MI. No Prepayment Penalty. Consult a loan representative for more details. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Buyer’s Boost – Purchase – No MI – 15 Year Fixed Rate Jumbo

Effective Date: July 3, 2022

Apply Now
Rate APR Points
4.625 4.703 .50 Get a Personalized Rate Learn More

Buyer’s Boost Details

Buyer’s Boost – Purchase – No MI – Fixed Rate

Maximum loan limit is $647,200.00 Payment example: $100,000.00 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. This does not include taxes or insurance escrow. APR’s based on $100,000.00 mortgage, 20% down payment. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Property insurance is required. Flood insurance may be required. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $578.59 to $605.87 on single family, existing, owner occupied properties; and $728.59 to $755.87 on new construction. Application fee includes cost of appraisal and credit reports. Available to borrower(s) at a maximum loan to value of 90% without the need for Mortgage Insurance. 1-2 Family, owner occupied or second home; no Investment. Purchase only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI. No Prepayment Penalty. Consult a loan representative for more details. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Buyer’s Boost – Purchase – No MI – Jumbo
Minimum loan limit is $647,201.00. Maximum loan limit $1,000,000.00. Payment example: $100,000.00 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. This does not include taxes or insurance escrow. APR’s based on $100,000.00 mortgage, 20% down payment. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Property insurance is required. Flood insurance may be required. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $728.59 to $755.87 on single family, existing, owner occupied properties; and $828.59 to $855.87 on new construction. Application fee includes cost of appraisal and credit reports. Available to borrower(s) at a maximum loan to value of 90% without the need for Mortgage Insurance. 1-2 Family, owner occupied or second home; no Investment. Purchase only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 97% may require MI. No Prepayment Penalty. Consult a loan representative for more details. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Buyer’s Boost – Purchase – No MI – 30 Year Fixed Rate Jumbo

Effective Date: July 3, 2022

Apply Now
Rate APR Points
5.125 5.171 .50 Get a Personalized Rate Learn More

Buyer’s Boost Details

Buyer’s Boost – Purchase – No MI – Fixed Rate

Maximum loan limit is $647,200.00 Payment example: $100,000.00 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. This does not include taxes or insurance escrow. APR’s based on $100,000.00 mortgage, 20% down payment. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Property insurance is required. Flood insurance may be required. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $578.59 to $605.87 on single family, existing, owner occupied properties; and $728.59 to $755.87 on new construction. Application fee includes cost of appraisal and credit reports. Available to borrower(s) at a maximum loan to value of 90% without the need for Mortgage Insurance. 1-2 Family, owner occupied or second home; no Investment. Purchase only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI. No Prepayment Penalty. Consult a loan representative for more details. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Buyer’s Boost – Purchase – No MI – Jumbo
Minimum loan limit is $647,201.00. Maximum loan limit $1,000,000.00. Payment example: $100,000.00 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. This does not include taxes or insurance escrow. APR’s based on $100,000.00 mortgage, 20% down payment. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Property insurance is required. Flood insurance may be required. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $728.59 to $755.87 on single family, existing, owner occupied properties; and $828.59 to $855.87 on new construction. Application fee includes cost of appraisal and credit reports. Available to borrower(s) at a maximum loan to value of 90% without the need for Mortgage Insurance. 1-2 Family, owner occupied or second home; no Investment. Purchase only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 97% may require MI. No Prepayment Penalty. Consult a loan representative for more details. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

15 Year Fixed Rate Jumbo Mortgage

Effective Date: July 3, 2022

Apply Now
Rate APR Points
4.625 4.628 0 Get a Personalized Rate Learn More

Jumbo mortgage Details

Minimum down payment of 3%-5% depending on Loan Amount; LTV exceeding 80.01% may require Mortgage Insurance. Maximum fixed rate jumbo mortgage with MI is $1,150,000.00. If less than 20% is put down, PMI may be required. Must be an owner-occupied, single family home. Rates reflect discount for Auto-Pay from a TSB account. Add 0.25% to rate without Auto-Pay. Application fee range of $728.59 to $755.87. Application fee includes the cost of appraisal and credit report. Consult a loan representative for more details.

30 Year Fixed Rate Jumbo Mortgage

Effective Date: July 3, 2022

Apply Now
Rate APR Points
5.125 5.127 0 Get a Personalized Rate Learn More

Jumbo mortgage Details

Minimum down payment of 3%-5% depending on Loan Amount; LTV exceeding 80.01% may require Mortgage Insurance. Maximum fixed rate jumbo mortgage with MI is $1,150,000.00. If less than 20% is put down, PMI may be required. Must be an owner-occupied, single family home. Rates reflect discount for Auto-Pay from a TSB account. Add 0.25% to rate without Auto-Pay. Application fee range of $728.59 to $755.87. Application fee includes the cost of appraisal and credit report. Consult a loan representative for more details.

Refi Boost – Refinance – No MI – 15 Year Fixed Rate

Effective Date: July 3, 2022

Apply Now
Rate APR Points
4.500 4.592 .50 Get a Personalized Rate Learn More

Refi Boost Details

Refi Boost – Refinance – No MI – Fixed Rate

Maximum loan limit is $647,200.00 Payment example: $100,000.00 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. This does not include taxes or insurance escrow. APR’s based on $100,000.00 mortgage, 20% down payment. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Property insurance is required. Flood insurance may be required. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $578.59 to $605.87 on single family, existing, owner occupied properties; and $728.59 to $755.87 on new construction. Application fee includes cost of appraisal and credit reports. Available to borrower(s) at a maximum loan to value of 90% without the need for Mortgage Insurance. 1-2 Family, owner occupied or second home; no Investment. Refinance only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI.* No Prepayment Penalty. Consult a loan representative for more specific information. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Refi Boost – Refinance – No MI – Jumbo

Minimum loan limit is $647,201.00. Maximum loan limit $1,000,000.00. Payment example: $100,000.00 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. This does not include taxes or insurance escrow. APR’s based on $100,000.00 mortgage, 20% down payment. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Property insurance is required. Flood insurance may be required. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $728.59 to $755.87 on single family, existing, owner occupied properties; and $828.59 to $855.87 on new construction. Application fee includes cost of appraisal and credit reports. Available to borrower(s) at a maximum loan to value of 90% without the need for Mortgage Insurance. 1-2 Family, Owner Occupied or Second Home; no Investment. Refinance only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI.* No Prepayment Penalty. Consult a loan representative for more specific information. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Refi Boost – Refinance – No MI – 30 Year Fixed Rate

Effective Date: July 3, 2022

Apply Now
Rate APR Points
5.375 5.430 .50 Get a Personalized Rate Learn More

Refi Boost Details

Refi Boost – Refinance – No MI – Fixed Rate

Maximum loan limit is $647,200.00 Payment example: $100,000.00 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. This does not include taxes or insurance escrow. APR’s based on $100,000.00 mortgage, 20% down payment. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Property insurance is required. Flood insurance may be required. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $578.59 to $605.87 on single family, existing, owner occupied properties; and $728.59 to $755.87 on new construction. Application fee includes cost of appraisal and credit reports. Available to borrower(s) at a maximum loan to value of 90% without the need for Mortgage Insurance. 1-2 Family, owner occupied or second home; no Investment. Refinance only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI.* No Prepayment Penalty. Consult a loan representative for more specific information. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Refi Boost – Refinance – No MI – Jumbo

Minimum loan limit is $647,201.00. Maximum loan limit $1,000,000.00. Payment example: $100,000.00 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. This does not include taxes or insurance escrow. APR’s based on $100,000.00 mortgage, 20% down payment. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Property insurance is required. Flood insurance may be required. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $728.59 to $755.87 on single family, existing, owner occupied properties; and $828.59 to $855.87 on new construction. Application fee includes cost of appraisal and credit reports. Available to borrower(s) at a maximum loan to value of 90% without the need for Mortgage Insurance. 1-2 Family, Owner Occupied or Second Home; no Investment. Refinance only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI.* No Prepayment Penalty. Consult a loan representative for more specific information. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Refi Boost – Refinance – No MI – 15 Year Fixed Rate Jumbo

Effective Date: July 3, 2022

Apply Now
Rate APR Points
4.625 4.703 .50 Get a Personalized Rate Learn More

Refi Boost Details

Refi Boost – Refinance – No MI – Fixed Rate

Maximum loan limit is $647,200.00 Payment example: $100,000.00 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. This does not include taxes or insurance escrow. APR’s based on $100,000.00 mortgage, 20% down payment. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Property insurance is required. Flood insurance may be required. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $578.59 to $605.87 on single family, existing, owner occupied properties; and $728.59 to $755.87 on new construction. Application fee includes cost of appraisal and credit reports. Available to borrower(s) at a maximum loan to value of 90% without the need for Mortgage Insurance. 1-2 Family, owner occupied or second home; no Investment. Refinance only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI.* No Prepayment Penalty. Consult a loan representative for more specific information. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Refi Boost – Refinance – No MI – Jumbo

Minimum loan limit is $647,201.00. Maximum loan limit $1,000,000.00. Payment example: $100,000.00 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. This does not include taxes or insurance escrow. APR’s based on $100,000.00 mortgage, 20% down payment. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Property insurance is required. Flood insurance may be required. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $728.59 to $755.87 on single family, existing, owner occupied properties; and $828.59 to $855.87 on new construction. Application fee includes cost of appraisal and credit reports. Available to borrower(s) at a maximum loan to value of 90% without the need for Mortgage Insurance. 1-2 Family, Owner Occupied or Second Home; no Investment. Refinance only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI.* No Prepayment Penalty. Consult a loan representative for more specific information. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Refi Boost – Refinance – No MI – 30 Year Fixed Rate Jumbo

Effective Date: July 3, 2022

Apply Now
Rate APR Points
5.125 5.171 .50 Get a Personalized Rate Learn More

Refi Boost Details

Refi Boost – Refinance – No MI – Fixed Rate

Maximum loan limit is $647,200.00 Payment example: $100,000.00 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. This does not include taxes or insurance escrow. APR’s based on $100,000.00 mortgage, 20% down payment. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Property insurance is required. Flood insurance may be required. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $578.59 to $605.87 on single family, existing, owner occupied properties; and $728.59 to $755.87 on new construction. Application fee includes cost of appraisal and credit reports. Available to borrower(s) at a maximum loan to value of 90% without the need for Mortgage Insurance. 1-2 Family, owner occupied or second home; no Investment. Refinance only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI.* No Prepayment Penalty. Consult a loan representative for more specific information. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Refi Boost – Refinance – No MI – Jumbo

Minimum loan limit is $647,201.00. Maximum loan limit $1,000,000.00. Payment example: $100,000.00 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. This does not include taxes or insurance escrow. APR’s based on $100,000.00 mortgage, 20% down payment. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Property insurance is required. Flood insurance may be required. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $728.59 to $755.87 on single family, existing, owner occupied properties; and $828.59 to $855.87 on new construction. Application fee includes cost of appraisal and credit reports. Available to borrower(s) at a maximum loan to value of 90% without the need for Mortgage Insurance. 1-2 Family, Owner Occupied or Second Home; no Investment. Refinance only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI.* No Prepayment Penalty. Consult a loan representative for more specific information. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

5 Year Adjustable Rate Mortgage

Effective Date: July 3, 2022

Apply Now
Rate APR Points
3.875 4.982 0 Get a Personalized Rate

DETAILS: Five Year ARM – Interest rate can change annually after remaining fixed for Five years. Rate may increase or decrease 2% maximum in any adjustment period. Maximum of 6% increase or decrease over the term of the mortgage. Interest rate may increase or decrease 2% maximum in any adjustment period. Interest rate will be based on the weekly average yield on the US Treasury securities adjusted to a constant maturity of one year, rounded to the nearest .125%, plus 2.75%. Contact a loan representative for current index. Maximum loan amount is $647,200.00. Higher loan amounts may be available. Consult a loan representative for more details. APR is based on $100,000.00 mortgage, 20% down payment. Payment does not include taxes and/or insurance escrow. Any item escrowed will increase the total monthly payment. Property Insurance is required. Flood Insurance may be required. Conventional LTV (loan to value) maximum 97.00% single family only; Conventional LTV (loan to value) 80.01% to 97% may require MI. 2-4 Family, owner occupied or 1-2 Family, second home maximum LTV (loan to value) 80.00%. No Prepayment Penalty. 60-day commitment. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Autopay from a TSB Account. Add 0.25% to rate without Autopay. Application fee ranges from $578.59 to $605.87 on single family homes or $728.59 to $755.87 on multiple family homes. Application fee includes cost of appraisal and credit reports. Any change of loan after Commitment issued – $400.00 fee. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Investor – Non-Owner Occupied – 15 Year Fixed Rate

Effective Date: July 3, 2022

Apply Now
Rate APR Points
6.000 6.177 1.00 Get a Personalized Rate

DETAILS: Maximum loan limit is $975,000. Call for Jumbo Pricing over $647,200. Maximum LTV (loan to value) 80.00% purchase and rate/term refinance; maximum LTV (loan to value) 70% for cash out refinance with 12-month seasoning requirement. Payment example: $100,000.00 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. This does not include taxes and/or insurance. Property insurance is required. Flood insurance may be required. 60-day commitment. Any change of loan after commitment issued – $400.00 fee. No Prepayment Penalty. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Autopay from a Torrington Savings Bank account. Add 0.25% to rate without Autopay. Application fee ranges from $703.59 to $730.87 on single family homes or $728.59 to $755.87 on multiple family homes. Application fee includes cost of appraisal and credit reports. Consult a loan representative for more details. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Investor – Non-Owner Occupied – 30 Year Fixed Rate

Effective Date: July 3, 2022

Apply Now
Rate APR Points
6.875 6.987 1.00 Get a Personalized Rate

DETAILS: Maximum loan limit is $975,000. Call for Jumbo Pricing over $647,200. Maximum LTV (loan to value) 80.00% purchase and rate/term refinance; maximum LTV (loan to value) 70% for cash out refinance with 12 month seasoning requirement. Payment example: $100,000.00 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. This does not include taxes and/or insurance. Property insurance is required. Flood insurance may be required. 60-day commitment. Any change of loan after commitment issued – $400.00 fee. No Prepayment Penalty. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Autopay from a Torrington Savings Bank account. Add 0.25% to rate without Autopay. Application fee ranges from $703.59 to $730.87 on single family homes or $728.59 to $755.87 on multiple family homes. Application fee includes cost of appraisal and credit reports. Consult a loan representative for more details. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Torrington Savings Bank Close
Locations Contact Rates Search

Personal

    Loans

    • Compare Home Loans
      • First Time Homebuyers
      • Buyer’s Boost
      • Refi Boost
      • Conventional Mortgage
      • Jumbo Mortgage
      • Construction Loan
    • Contact a Residential Lender
    • Home Equity Comparison
      • Home Equity Loan
      • Home Equity Line of Credit
    • Personal Loan
      • Collateral Secured Loans
      • Life Loan
      • Overdraft Line of Credit
  • Checking

    • Compare Checking Accounts
      • My Generation Checking
      • Hometown Checking Account
      • Advantage NOW Checking
      • Advantage 50 Checking
    • Online Banking
      • Bill Pay
    • Mobile Banking
      • Digital Wallet
      • Mobile Check Deposit
    • Debit Cards
      • Card Controls
    • ATM
    • Telephone Banking
    • Overdraft Protection
  • Savings

    • Compare Savings Options
      • Hometown Savings
      • Hometown Money Market
      • Build Your Own Club Savings
      • First Time Savers
    • CD (Certificates of Deposit)
    • IRA
    • Online Banking
      • eStatements
    • Mobile Banking
      • Mobile Check Deposit
    • Telephone Banking

Business

    Business Banking

    • Business Checking Accounts
      • Small Business Checking
      • Advantage Business Checking
      • Enterprise Checking
    • Better Business Money Market
    • Business Mobile Banking
      • Digital Wallet
    • Business Online Banking
  • Business Loans

    • Compare Business Loans
      • Revolving Line of Credit
      • Term Loan
      • Commercial Mortgages
      • Construction Financing
      • Alternative Financing Programs
    • Letters of Credit
    • Commercial Lenders
  • Cash Management

    • Cash Management Services
      • Business Mobile Deposit
      • Business Desktop Deposit
      • ACH Origination
      • Wire Transfers
      • Zero Balance Account
      • Positive Pay
      • Sweep Services
    • Business Online Banking
    • Business Mobile
    • Merchant Services
    • Payroll Processing

Wealth

    • Trust Services
    • Estate Settlement
    • Investments

About TSB

    • Mission
    • TSB History
    • Community
    • TSB Team
      • Careers
    • Financial Statements
    • Press Room

Torrington Savings Bank

Search TSB

Popular Searches

Account Login

Login to TSB Online Banking

  • Online
    Banking
  • Other
    Logins
  • Sign Up
    / Help
Online Banking
Other Logins
Mortgage Center
Accunet
Sign Up/Help

Want to sign up for Online Banking?

Register For Personal Use
Register For Business Use
Need help?
Sign In Problems FAQ
Forgot Password
Privacy Pledge (PDF)

Download Our Mobile App

Download from the App Store Download from Google Play

Need Help?

Contact Our Support Team

Open Your Torrington Savings Bank Account Online

Are You a New or Existing Customer?

New Customer

We make it easy to open a new account securely online in minutes. Choose the account that works best for you.

Get Started

Existing Customer

Adding a new account has never been easier. Log into online banking & select “Open an Account” from the Main Menu.

Login

*Please note to open an account online you must be 18 years or older and a Connecticut resident.

ROUTING #211174165/
NMLS #404919

About TSB
 

  • Why TSB?
  • Community
  • TSB Team
  • Careers
  • Financial Statements
  • Press Room
  • Foundation

Products &
Services

  • Personal
  • Business
  • Wealth

Service &
Support

  • Learning Center
  • Security Center
  • Calculators

Contact
 

  • Call Us:
    (860) 496-2152
  • Telephone Banking:
    1-800-232-9581
  • Lost or Stolen Card:
    1-833-462-0798
  • Send Us a Message
  • Find a Local Branch
Torrington Savings Bank Logo

© 2022 Copyright: Torrington Savings Bank |Member FDIC |Equal Housing Lender icon Equal Housing Lender

  • Accessibility
  • Privacy & Protection
  • Terms & Conditions
  • Trust Privacy & Protection
  • Trust Terms & Conditions