Current Rates

FIXED RATE MORTGAGE LOANS

Type Of LoanRateAPR
30 yr. Conventional Fixed5.000%5.013%
20 yr. Conventional Fixed4.750%4.768%
15 yr. Conventional Fixed4.500%4.523%
10 yr. Conventional Fixed3.875%3.908%
8 yr. Conventional Fixed3.750%3.790%
6 yr. Conventional Fixed3.625%3.677%

Rates Effective November 5, 2018
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 5.000% (5.013% APR) and a minimum down payment of 20%, the principal and interest payment would be $536.82 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: $453,100. 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. 


ADJUSTABLE RATE MORTGAGE LOANS

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


CONSTRUCTION/PERMANENT MORTGAGE LOANS

Financing is available for the purchase and construction / renovation of both investment and business properties. Interest-only financing is available throughout the construction period.

**Also Available**

*10% Down Payment with no Mortgage Insurance (MI) for qualifying customers.

*Special Financing for First Time Homebuyers– as little as 3% to 5% down payment with Mortgage Insurance (MI). Seneca Savings participates with the Federal Home Loan Bank (FHLB) First-Time Homebuyer Program.

CALL
Anthony Merrow (NMLS #641982) at 315-391-8521 or Eric Morgan (NMLS #38323) at 315-427-1883.

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.


   

HOME EQUITY LINE OF CREDIT

TermCurrent Prime + 0%
25 Years5.250%
No closing costs. On a 15 Yr. HELOC for $50,000 with an interest rate of 5.250% (5.250% APR) the principal and interest payment would be $401.94 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 $15,000)12.000%60NA
Auto-New4.250%60zero
Auto-Used5.500%3610%
Snowmobiles, Motorcycles, ATVs7.000%36zero
 * On a 5 yr. auto, for $10,000.00 with an interest rate of 4.250% (4.250% APR) the principal and interest payment would be $185.30 per month.

For more information call 315-638-0233


CASH SECURED LOANS

Loan secured by Seneca  Savings account – Account Rate plus 3% – Maximum 8.500% APR Maximum – 100% of account balance


CONSUMER CHECKING LINE OF CREDIT

RateAPR
15.000%15.000%

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

RateAPR
8.250%8.250%

(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.