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picture of plants with 'keep it growing with our special CD rate'

  • LOCK IN A LOW RATE WITH A TRUSTED LOCAL LENDER

    Exterior photo of a new two-story house with clean landscaping on a sunny day.

    30-YEAR FIXED MORTGAGE,
    5.99%RATE 6.14%APR*

    First Time Home Buyers Enjoy NO PMI* with a 10% Down Payment at Colonial Federal Savings Bank.

    CONTACT US TO GET STARTED TODAY!

    *APR = Annual Percentage Rate. APR/Rate effective as of 7/1/25 and may change. Applies to 1-4 family owner-occupied homes. Assumes a maximum 80% loan-to-value (LTV) and first mortgage position. First-Time Home Buyer’s maximum loan-to-value (LTV) is 90%. PMI (Private Mortgage Insurance) waived with a 10% down payment. Subject to credit approval. A 30-year loan would be repaid in 360 equal monthly principal and interest payments of $5.99 per $1,000 borrowed, which does not include taxes or insurance premiums, if applicable. So, your actual monthly payment will be greater. NMLS #409557.
     

    Apply Today

  • TURN YOUR HOME’S EQUITY INTO OPPORTUNITY


    HANDLE HOME IMPROVEMENTS, DEBT CONSOLIDATION, OR
    UNEXPECTED EXPENSES WITH OUR FIXED-RATE HOME EQUITY LOAN.

    FIXED-RATE HOME EQUITY LOAN
    6.75%APR*

    *APR = Annual Percentage Rate. Effective as of 7/1/2025 and may change. The APR for the listed Home Equity Loan is based on a 10-year term. Minimum loan amount of $20,000. Applies to 1-4 family owner-occupied homes. Assumes a maximum 80% loan-to-value when combined with first mortgage. Subject to credit approval. A ten-year loan would be repaid in 120 equal monthly principal and interest payments of $11.48 per $1,000 borrowed. NMLS #409557.
     

    Apply Today!

  • The Smartest Way to Save!

    4.25%APY*                                                   3.95%APY*

    5 Month CD Special                                 11 Month CD Special 

    Don't miss out on these Special Rates!

    START EARNING WITH YOUR NEW CD TODAY!

    *APY = Annual Percentage Yield. APYs and terms are accurate as of 7/1/2025 and are subject to change at any time. The minimum balance to open and obtain the APY is $1,000.00. Maximum deposit amount of $250,000.00. Penalty for early withdrawal. Automatic renewal to the same term at maturity. Personal accounts only. Member FDIC.

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Special Announcement: 

We're excited to share that Colonial Federal Savings Bank will be merging into North Shore Bank and the Hometown Financial Group family of banks.

Click here to learn more.

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