FIXED RATE MORTGAGE LOANS
|Type Of Loan||Rate||APR|
|30 yr. Conventional Fixed||4.375%||4.388%|
|20 yr. Conventional Fixed||4.250%||4.268%|
|15 yr. Conventional Fixed||4.250%||4.268%|
|10 yr. Conventional Fixed||4.000%||3.023%|
|8 yr. Conventional Fixed||3.875%||3.903%|
|6 yr. Conventional Fixed||3.750%||3.790%|
Rates Effective May 15, 2019 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 4.375% (4.388% APR) and a minimum down payment of 20%, the principal and interest payment would be $499.29 per month. * Payments do not include amounts for taxes and insurance premiums (if applicable) and actual payment obligation will be greater. Minimum loan amount: $30,000. Maximum conforming loan amount: $484,350. 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 (APR) is based on $100,000 loan amount, at the term and interest rate noted above.
For more information on all mortgages, please call the Lending Department (NMLS #799643) at 315-638-0233
ADJUSTABLE RATE MORTGAGE LOANS
For Rates and Terms please call (315) 638-0233
HOME EQUITY LINE OF CREDIT
|Term||Current Prime + 0%|
For complete terms and conditions please visit our Home Equity Line of Credit Page.
|Type of Loan||APR||Maximum Term||Down Payment|
|Unsecured (Max Loan is $15,000)||12.000%||60||NA|
|Snowmobiles, Motorcycles, ATVs||7.000%||36||zero|
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
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 more information call the Lending Department (NMLS #799643) at 315-638-0233