Current Rates

FIXED RATE MORTGAGE LOANS

Type Of LoanRateLoan To Value RatioAPRPMI
30 yr. Conventional Fixed4.375%up to 90%4.387%No PMI
30 yr. Conventional Fixed4.125%up to 90%4.137%With PMI
20 yr. Conventional Fixed4.000%up to 90%4.017%No PMI
20 yr. Conventional Fixed3.750%up to 90%3.767%With PMI
15 yr. Conventional Fixed3.750%up to 90%3.772%No PMI
15 yr. Conventional Fixed3.500%up to 90%3.522%With PMI
10 yr. Conventional Fixed3.250%90% or less3.282%N/A
8 yr. Conventional Fixed3.125%90% or less3.164%N/A
6 yr. Conventional Fixed3.000%90% or less3.052%N/A
 Rates Effective October 26, 2017 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 4.125% (4.137% APR) and a minimum down payment of 20%, the principal and interest payment would be $484.65 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: $424,100. 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. 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 Years4.250%
No closing costs. On a 15 Yr. HELOC for $50,000 with an interest rate of 4.250% (4.250% APR) the principal and interest payment would be $376.14 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%60NA
Auto-New2.875%60zero
Auto-Used
2015 & Newer3.50%60zero
2014-20104.375%36zero
Snowmobiles, Motorcycles, ATVs7.000%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 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

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.  

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%
Statement Savings$1.00$50.000.05%0.05%
Holiday Club$1.00$50.000.05%0.05%

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 *You must have a Kasasa Cash account to quality for a Kasasa Saver account. *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.