Get the loan you need for any purpose

As a community bank serving residents in Connecticut and Rhode Island, we structure our loan rates so you get more for your money when you finance.

Rates effective 10/12/2018 are subject to change at any time

Please contact any one of our convenient branches for current rates and terms.

FastTrack Fixed Rate Mortgages


FastTrack Mortgage Fixed Rates

Type Rate* Points Annual Percentage Rate^^ Number of Monthly Payments Terms of Repayment
(Payment per $100,000^)
8-Year Fixed Conventional 3.625% 0 3.677% 96 $1201.56
^ Payments do not include taxes or insurance and actual payment may be greater. Escrow is required.

^^ Annual Percentage Rate (APR) is based on a $100,000 loan, Loan to Value (LTV) of 80% or less. APR is accurate as of the effective date. An LTV greater than 80% requires Private Mortgage Insurance (PMI) which could increase your monthly payment and APR.

* These rates are valid for mortgages up to $453,100.00, owner-occupied, single family residential properties located in CT or RI. Interest rates and APR are subject to change without notice. Rates last changed on date listed above.

$300 Application Fee is waived. 

$43.00 Document Prep Fee.

$375 Appraisal fee for owner-occupied, single family properties valued at $500,000 or less. Appraisal fees on properties valued over $500,000 will be greater.

No prepayment penalty. 

Other terms and conditions may apply.

Fixed Rate Mortgages


Mortgages Fixed Rates

Type Rate* Points Annual Percentage Rate^^ Number of Monthly Payments Terms of Repayment
(Payment per $100,000^)
15-Year Fixed 4.5000% 0 4.5803% 180 $764.99
15-Year Fixed 4.1250% 1 4.3524% 180 $745.97
15-Year Fixed 3.8750% 2 4.2506% 180 $733.44
20-Year Fixed 4.8750% 0 4.9407% 240 $653.07
20-Year Fixed 4.6250% 1 4.8084% 240 $639.42
20-Year Fixed 4.3750% 2 4.6755% 240 $625.92
30-Year Fixed 5.0000% 0 5.0490% 360 $536.82
30-Year Fixed 4.7500% 1 4.8853% 360 $521.65
30-Year Fixed 4.6250% 2 4.8475% 360 $514.14
^ Payments do not include taxes or insurance and actual payment may be greater. Escrow is required.

^^ Annual Percentage Rate (APR) is based on a $100,000 loan, the applicable term, Loan to Value (LTV) of 80% or less. APR is accurate as of the effective date. An LTV greater than 80% requires Private Mortgage Insurance (PMI) which could increase your monthly payment and APR.

* These rates are valid for mortgages up to $453,100.00, owner-occupied, single family residential properties located in CT or RI. Interest rates are subject to change without notice and will be based upon certain eligibility or other loan features, such as credit score, loan purpose, occupancy, LTV, number of units and product type. Rates last changed on date listed above.

$300.00 Application Fee.

$43.00 Document Prep Fee.

$375.00 Appraisal fee for owner-occupied, single family properties valued at $500,000 or less. Appraisal fees on properties valued over $500,000 will be greater.

No prepayment penalty.

Other terms and conditions may apply.

Adjustable Rate Mortgages


ARM Rates

Purchase Trans. Int. Rate* # Mthly Pmnts Pts. Mthly Pmnt / $100k Fully Indexed Rate* # Mthly Pmnts Mthly Pmnt / $100k^ APR^^
1/1 ARM 3.000% 12 0 $421.60 5.000% 348 $544.86 5.183%
3/3 ARM 3.375% 36 0 $442.10 5.375% 324 $585.54 5.151%
5/5 ARM 3.500% 60 0 $449.04 5.500% 300 $614.09 4.895%
10/10 ARM 4.000% 120 0 $477.42 5.875% 240 $709.24 4.739%
^ Payments do not include taxes or insurance and actual payment may be greater. Escrow is required.

^^ Annual Percentage Rate (APR) is based on a $100,000 loan, 30 year term and Loan to Value (LTV) of 80% or less. APR is accurate as of the effective date. The APR is subject to increase after closing. An LTV greater than 80% requires Private Mortgage Insurance (PMI) which could increase your monthly payment and APR.

* These rates are valid for mortgages up to $453,100.00, owner-occupied single family residential properties located in CT or RI. Interest rates quoted are variable rate and will change after the initial fixed period of 1, 3, 5 or 10 years and they are subject to change without notice. Rates last changed on date listed above.

$300.00 Application Fee.

$43.00 Document Prep Fee.

$375.00 Appraisal fee for owner occupied single family property valued at $500,000 or less. Appraisal fees on properties valued over $500,000 will be greater.

No prepayment penalty. 

Other terms and conditions may apply.

FastTrack Jumbo Mortgages


FastTrack Mortgage Fixed Rates

Type Rate* Annual Percentage Rate^^ Number of Monthly Payments Terms of Repayment
(Payment per $100,000^)
8-Year Fixed Jumbo 3.625% 3.677% 96 $1,201.56
^ Payments do not include taxes or insurance and actual payment may be greater. Escrow is required.

^^ Annual Percentage Rate (APR) is based on a Loan to Value (LTV) of 80% or less. APR is accurate as of the effective date. An LTV greater than 80% requires Private Mortgage Insurance (PMI) which could increase your monthly payment and APR.

* These rates are valid for mortgages over $453,100.00, owner-occupied, single family residential properties located in CT or RI. Interest rates and APR are subject to change without notice. Rates last changed on date listed above. 

$300.00 Application Fee is waived.

$43.00 Document Prep Fee.

$375 Appraisal fee for owner-occupied, single family properties valued at $500,000 or less. Appraisal fees on properties valued over $500,000 will be greater.

No prepayment penalty. 

Other terms and conditions may apply.

Jumbo Mortgages


Fixed Rate Jumbo Mortgages

Type Rate* Annual Percentage Rate^^ Number of Monthly Payments Terms of Repayment
(Payment per $100,000^)
10 years 3.750% 3.857% 120 $1,000.61
12 years 3.875% 3.967% 144 $869.47
15 years 4.000% 4.076% 180 $739.69
20 years 4.250% 4.311% 240 $619.23
25 years 4.375% 4.427% 300 $548.76
30 years 4.500% 4.546% 360 $506.69
^ Payments do not include taxes or insurance and actual payment may be greater. Escrow is required.

^^ Annual Percentage Rate (APR) is based on a Loan to Value (LTV) of 80% or less. APR is accurate as of the effective date. An LTV greater than 80% requires Private Mortgage Insurance (PMI) which could increase your monthly payment and APR.

* These rates are valid for mortgages over $453,100.00, owner-occupied, single family residential properties located in CT or RI. Interest rates and APR are subject to change without notice. Rates last changed on date listed above. 

$300.00 Application Fee.

$43.00 Document Prep Fee.

$375 Appraisal fee for owner-occupied, single family properties valued at $500,000 or less. Appraisal fees on properties valued over $500,000 will be greater.

No prepayment penalty. 

Other terms and conditions may apply.

Fixed Rate Home Equity Loans


Fixed Rate Home Equity Loan

Type Rate* Annual Percentage Rate^^ Number of Monthly Payments Terms of Repayment
(Payment per $10,000^)
5 Years 3.375% 3.432% 60 $181.36
10 Years 3.875% 3.909% 120 $100.65
15 Years 4.500% 4.528% 180 $76.50
^ Payments do not include taxes or insurance and actual payment may be greater. Escrow is not required.

^^ Annual Percentage Rate (APR) is based on zero points, the minimum loan amount is $10,000, with a maximum allowable loan-to-value (LTV) of 80%.

* These rates are valid for mortgages up to $250,000.00. For 1-4 family owner-occupied residential properties located in CT or RI. Maximum Loan-to-Value is 80%. Interest rates and APR are subject to change without notice. Rates last changed on date listed above. 

No application fee. 

No prepayment penalty. 

Other terms and conditions may apply.

Variable Rate Home Equity Line of Credit


Variable Rate Home Equity Line of Credit

Rate* Annual Percentage Rate Floor (Min) Ceiling (Max) Borrowing Period(1) Repayment Period(2)
Prime minus 0.25% 5.00% 5.00% 15% 118 months 180 months
Payments do not include taxes or insurance and actual payment may be greater. 

Minimum loan amount is $10,000. 

* Your interest rate and payment can potentially change on a daily basis, depending upon changes in a "Prime Rate Index" value. Please ask about the current index value, margin, discount or premium, and the annual percentage rate that is currently being offered for this program (your rate may be different by the time of approval). The annual percentage rate includes only interest and no other costs. These rates are valid for mortgages up to $250,000.00. For 1-4 family owner-occupied residential properties located in CT or RI. Maximum Loan-to-Value is 80%. Interest rates and APR are subject to change without notice. Rates last changed on date listed above. As of the date listed above, prime rate was 5.25%.  

No application fee. 

1% prepayment penalty (of credit line) if paid and closed within 3 years.

$50.00 Annual Service Fee Waived First year, due annually during the Borrowing or Draw period. 

There may be certain charges assessed with opening the plan such as lawyer, recording, or appraisal fees. The total amount of said fees will range from $0.00 to $1,103.00. We may charge a fee for a Title Exam and/or Title Insurance. Title exam fee can range from $0.00 to $250.00. Title insurance fee will equal approximately $3.80(estimated) per $1,000.00 of coverage for amounts from $100,000.00 to $250,000.00 of coverage. 

Not eligible for construction. Not available on leased land. 

(1) Borrowing period means the period during which you can borrow money under this Agreement which is approximately 9 years and 10 months.

(2) Repayment Period means the 15 year period immediately following expiration of the Borrowing period. During the Repayment Period, you can no longer borrow money and will be required to repay outstanding principal and interest.

Other terms and conditions may apply.

"CHAMP" - Creating Housing Affordable Mortgage Program

Dime Bank is dedicated to meeting the housing needs of the low and moderate-income population in its community. Learn more about "CHAMP", our flexible loan program.


Personal Loans

Minimum loan amount is $1,000.00. Please contact any one of our convenient branches for current rates and terms for automobile loans.


Personal Loan Rates

Account Holder Number of Monthly Payments Rate Annual Percentage Rate Terms of Repayment
(Payment per $1,000)
Dime Deposit Account Holder 12 10.00% 10.00% $87.92
Dime Deposit Account Holder 24 10.00% 10.00% $46.15
Dime Deposit Account Holder 36 10.00% 10.00% $32.27
Non Dime Deposit Account Holder 12 12.00% 12.00% $88.85
Non Dime Deposit Account Holder 24 12.00% 12.00% $47.07
Non Dime Deposit Account Holder 36 12.00% 12.00% $33.21
Interest rates and APR are subject to change without notice. Rates last changed on date listed above.

Other terms and conditions may apply.

Jeanne Lussier 

NMLS ID# 954464 

860.739.2192 
JLussier@dime-bank.com

Karen Roman 

NMLS ID# 768418

860.859.5959 
KRoman@dime-bank.com

Kathy Morano

NMLS ID# 768396

860.859.4383 
KMorano@dime-bank.com

Kevin Owren

NMLS ID #768404

401.388.9931
KOwren@dime-bank.com