FIXED RATE MORTGAGE LOANS
|Type Of Loan||Rate||Loan To Value Ratio||APR||PMI|
|30 yr. Conventional Fixed||5.000%||up to 90%||5.013%||No PMI|
|30 yr. Conventional Fixed||4.750%||up to 90%||4.763%||With PMI|
|20 yr. Conventional Fixed||4.750%||up to 90%||4.763%||No PMI|
|20 yr. Conventional Fixed||4.500%||up to 90%||4.517%||With PMI|
|15 yr. Conventional Fixed||4.500%||up to 90%||4.517%||No PMI|
|15 yr. Conventional Fixed||4.250%||up to 90%||4.267%||With PMI|
|10 yr. Conventional Fixed||3.750%||90% or less||3.762%||N/A|
|8 yr. Conventional Fixed||3.625%||90% or less||3.657%||N/A|
|6 yr. Conventional Fixed||3.500%||90% or less||3.539%||N/A|
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
|Term||Current Prime + 0%|
|Type of Loan||APR||Maximum Term||Down Payment|
|Unsecured (Max Loan is $15,000)||12.000%||60||NA|
|2017 & Newer||3.50%||60||zero|
|2016 - 2012||4.375%||36||zero|
|Snowmobiles, Motorcycles, ATVs||7.000%||36||zero|
For more information call 315-638-0233
CASH SECURED LOANS
Loan secured by Seneca Savings account – Account Rate plus 3% – Maximum 8.50% APR Maximum – 100% of account balance
CONSUMER CHECKING LINE OF CREDIT
Credit score of 650-699 eligible for a line up to $500. Credit score of 700 and higher eligible for a line up to $1,000. Application required.
Underwriting required for Lines of Credit above $1,000.
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 8.250% (8.250% APR) the principal and interest payment would be $203.96 per month.
For Deposit Account rates call 315-638-0233
For CD Products and Money Market rates call 315-638-0233
Rates Effective May 5, 2017 All Rates Subject to Change Without Notice. (1) Applicable to entire balance. Fees may reduce earnings. *Daily Balance (the balance in the account each day) *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. For the most current interest rate and Annual Percentage Yield (APY) information call 315-638-0233.