Current Rates

FIXED RATE MORTGAGE LOANS

Type Of LoanRateLoan To Value RatioAPRPMI
30 yr. Conventional Fixed4.000%up to 90%4.000%No PMI
30 yr. Conventional Fixed3.750%up to 90%3.750%With PMI
20 yr. Conventional Fixed3.500%up to 90%3.500%No PMI
20 yr. Conventional Fixed3.250%up to 90%3.250%With PMI
15 yr. Conventional Fixed3.250%up to 90%3.250%No PMI
15 yr. Conventional Fixed3.000%up to 90%3.000%With PMI
10 yr. Conventional Fixed2.875%90% or less2.875%N/A
8 yr. Conventional Fixed2.875%90% or less2.875%N/A
6 yr. Conventional Fixed2.875%90% or less2.875%N/A

 Rates Effective June 7, 2016
ALL RATES, TERMS AND CONDITIONS ARE SUBJECT TO CHANGE OR WITHDRAWAL WITHOUT NOTICE.
On a 30 year mortgage, with 0 points, for $100,000 with an interest rate of 3.750% (3.750% APR) and a minimum down payment of 20%, the principal and interest payment would be $463.12 per month.

* Payments do not include amounts for taxes and insurance premiums (if applicable) and actual payment obligation will be greater. Minimum loan amount: $5,000. Maximum conforming loan amount: $417,000. Rates subject to change without notice. All loans subject to secondary market underwriting requirements. All Rates and terms quoted are for 1-2 unit owner occupied residences. Annual Percentage Rates (APRs) are based on $100,000 loan amount, at the term and interest rate noted above. No Private Mortgage Insurance (PMI). A minimum 10% down payment is required.

 

ADJUSTABLE RATE MORTGAGE LOANS

For Rates and Terms please call (315) 638-0233

 

WANT TO BUILD YOUR DREAM HOME?
Ask about our Construction/Permanent Financing!

Financing available for the purchase and construction/renovation of investment and business properties. Interest only financing available through construction period.
CALL Anthony Merrow (NMLS #641982) at 315-391-8521 OR Eric Morgan  (NMLS #38323) at 315-427-1883

*** Special Financing For First Time Homebuyers – 10% Down Payment With No PMI ***
Also available – as little as 3% to 5% down payment with PMI. ALL RATES, TERMS AND CONDITIONS ARE SUBJECT TO CHANGE OR WITHDRAWAL WITHOUT NOTICE. All Rates and terms quoted are for 1-2 unit owner occupied residences. Seneca Savings participates with the Federal Home Loan Bank (FHLB) First-Time Homebuyer Program

 

 

HOME EQUITY LINE OF CREDIT

TermCurrent Prime + 0%
25 Years3.500%

No closing costs.
On a 15 Yr. HELOC for $50,000 with an interest rate of 3.500% (3.500% APR) the principal and interest payment would be $357.44

For complete terms and conditions please visit our Home Equity Line of Credit Page.

 

 

 

 

CONSUMER LOANS

Type of LoanAPRMaximum TermDown Payment
Unsecured (Max Loan is $10,000)12.000%36NA
Auto-New2.875%60zero
Auto-Used
2013 & Newer3.125%60zero
2012-20084.000%36zero
Marine-New6.500%6010%
6.750%8410%
Marine-Used7.500%6015%
7.750%8415%
Snowmobiles, Motorcycles, Rec. Trailers7.000%36zero

 * On a 5 yr. auto, for $10,000.00 with an interest rate of 2.875% (2.875% APR) the principal and interest payment would be $179.13 per month.

 

For more information call Amie Dupra or Lisa Hetko at 315-638-0233

Loan secured by Seneca  Savings account – Account Rate plus 3% – Maximum 8.50% APR
Maximum – 100% of account balance

 

CONSUMER CHECKING LINE OF CREDIT

 APR
15.000%

HOME IMPROVEMENT LOANS (INCLUDING SWIMMING POOLS)

(owner occupied – unsecured)  

All rates and terms quoted are for 1 – 2 unit owner occupied
Maximum unsecured Home Improvement loan amount is $10,000

On a 5 yr. Home Improvement for $10,000.00 with an interest rate of 6.250% (6.250%  APR) the principal and interest payment would be $194.49 per month.

 

DEPOSIT ACCOUNT RATES

Type of AccountMinimum Deposit To Open AccountMinimum Balance*To Obtain Annual Percentage YieldInterest RateAnnual Percentage Yield
Kasasa Cash$25.00 $1.00 - $15,000.001.98%2.00%
portion over $15,000.000.40%0.40%
*If qualifications are not metEntire account balance0.01%0.01%
Kasasa Saver$10.00 $1.00 - $50,000.00
portion over $50,000.00
1.00%1.00%
portion over $50,000.000.50%0.50%
*If qualifications are not metEntire account balance0.01%0.01%
Passbook Savings$1.00$50.000.05%0.05%
Statement Savings$1.00$50.000.05%0.05%
Holiday Club$1.00$50.000.05%0.05%
Money Market$1.00$2,499.99 0.10%(1)0.10%(1)
$2,500.00 $24,999.99 0.15%(1)0.15%(1)
$25,000.00 $74,999.99 0.25%(1)0.25%(1)
$75,000.00 $149,999.99 0.50%(1)0.50%(1)
$150,000.00 or Greater0.85%(1)0.85%(1)
6 month CD$500.00$500.000.35%0.35%
12 month CD$500.00$500.000.55%0.55%
13 month CD$500.00$500.000.60%0.60%
18 month CD$500.00$500.000.65%0.65%
24 month CD$500.00$500.000.70%0.70%
36 month CD$500.00$500.000.90%0.90%
48 month CD$500.00$500.001.29%1.30%
60 month CD$500.00$500.001.73%1.75%
6 month CD $100,000 $100,000 0.85%0.85%
12 month CD $100,000 $100,000 1.05%1.06%
24 month CD $100,000 $100,000 1.25%1.26%

Rates Effective June 9, 2016
All Rates Subject to Change Without Notice.

*You must have a Kasasa Cash account to quality for a Kasasa Saver account.
*Daily Balance (the balance in the account each day)
(1) Applicable to entire balance. Fees may reduce earnings
*Interest rates are subject to change at any time.
* $500.00 minimum balance required.
* Penalty may be imposed for early withdrawal
* APY = Annual Percentage Yield, Interest is compounded daily and posted quarterly.
** New Beginnings 18 month CD must be opened at the Liverpool Office – only. Only NEW money qualifies.

For the most current interest rate and Annual Percentage Yield (APY)  information call 316-638-0233.

 

 

Mortgage RatesIcon for: Mortgage Rates

30 yr. Conventional Fixed
Rate
4.000%
APR
4.000% No PMI
Points
No
30 yr. Conventional Fixed
Rate
3.750%
APR
3.750% With PMI
Points
No
20 yr. Conventional Fixed
Rate
3.500%
APR
3.500% No PMI
Points
No
20 yr. Conventional Fixed
Rate
3.250%
APR
3.250% With PMI
Points
No
15 yr. Conventional Fixed
Rate
3.250%
APR
3.250% No PMI
Points
No
15 yr. Conventional Fixed
Rate
3.000%
APR
3.000% With PMI
Points
No
10 yr. Conventional Fixed
Rate
2.875%
APR
2.875%
Points
No
8 yr. Conventional Fixed
Rate
2.875%
APR
2.875%
Points
No
6 yr. Conventional Fixed
Rate
2.875%
APR
2.875%
Points
No
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