Rates effective May 8, 2025 | *APR= Annual Percentage Rate
Conventional Fixed Rate Mortgage
| Term/Payment | APR | Fixed Rate |
|---|---|---|
| 7 Year Monthly | 6.107% | 5.875% |
| 10 Year Monthly | 6.044% | 5.875% |
| 12 Year Monthly | 6.020% | 5.875% |
| 15 Year Monthly | 5.995% | 5.875% |
| 15 Year Bi-Weekly | 5.994% | 5.875% |
| 20 Year Bi-Weekly | 6.218% | 6.125% |
| 20 Year Bi-Weekly Special | 6.093% | 6.000% |
| 20 Year Monthly | 6.347% | 6.250% |
| 20 Year Monthly Special | 6.222% | 6.125% |
| 25 Year Bi-Weekly | 6.453% | 6.375% |
| 25 Year Monthly | 6.584% | 6.500% |
| 30 Year Bi-Weekly | 6.945% | 6.875% |
Adjustable Rate Mortgages
| Conventional 30 Year ARM Loans | APR | Interest Rate |
|---|---|---|
| 10-1 ARM | 6.533% | 6.375% |
| 7-1 ARM | 6.504% | 6.250% |
| 5-1 ARM | 6.498% | 6.125% |
| 5-1 ARM Special | 6.398% | 5.875% |
Benefits of Geddes Federal Mortgages
Geddes Federal Savings and Loan Association has a variety of mortgage products to meet nearly everyone's needs. We offer fixed and adjustable rate mortgages, as well as programs for first time homebuyers and low to moderate income borrowers. Further, we do not charge Private Mortgage Insurance which may result in significant savings to our customers.
In addition to the standard monthly payment option, we offer several biweekly payment options. A biweekly payment may save you interest expense over the lifetime of your loan when compared to a mortgage with monthly payments of similar terms. It also may result in a faster payoff of your mortgage than a comparable mortgage with monthly payments. Talk with one of our Loan Professionals and get a further understanding of this money saving option.
Get Mortgage Rates That Work for Your Budget
Specials:
20 Year Bi-Weekly -10% Down. Interest Rate of 6.000% APR 6.093%. Example for a $100,000.00 loan amount, (APR) annual percentage rate of 6.093%. 447 principal and interest payments of $358.22. One final payment of $146.32. This payment does not include taxes or insurance. Total finance charges of $61,277.80. Total of payments $160,270.66. Loan to value up to 90%. 1-2 family owner occupied, year round primary residence only. Must be a qualified borrower with a minimum credit score of 700. Up to 250 Day lock applies. Jumbo Loans apply. Additional terms and conditions may apply. Cannot be combined with any other products or programs.
20 Year Monthly -10% Down. Interest Rate of 6.125% APR 6.222%. Example for a $100,000.00 loan amount, (APR) annual percentage rate of 6.222%. 239 principal and interest payments of $723.67. One final payment of $719.47. This payment does not include taxes or insurance. Total finance charges of $74,957.02. Total of payments $173,676.60. Loan to value up to 90%. 1-2 family owner occupied, year round primary residence only. Must be a qualified borrower with a minimum credit score of 700. Up to 250 Day lock applies. Jumbo Loans apply. Additional terms and conditions may apply. Cannot be combined with any other products or programs.
5-1 ARM - 10% Down. Interest Rate of 5.875%% APR 6.398%. Example for a $100,000.00 loan amount, annual percentage rate 6.398%, 1 - 60 principal and interest payments of $591.54. 61-359 principal and interest payments of $634.61. One final payment of $631.88. Total Finance Charge $127,132.55. Total of payments $225,872.67. The payments do not include taxes and insurance, the actual payment obligation may be higher. Loan to value up to 90%. 1-2 family primary residence only. Must be occupied year-round. No seasonal properties. Must be a qualified borrower with a minimum credit score of 700. Up to 250 Day lock applies. Jumbo Loans apply. Cannot be combined with any other products or programs. Additional terms and conditions may apply.
30 Year Bi-Weekly - 20% Down. Interest Rate 6.875% APR 6.945% Example-For a $100,000.00 loan amount, annual percentage rate of 6.945%. 1-616 Bi-weekly principal and interest payments of $328.47. One final payment of $166.77. Total Finance Charges of $103,544.99. Total of payments, $202,504.29. The payments do not include taxes and insurance, the actual payment obligation may be higher.
25 Year Bi-Weekly - 20% Down. Interest Rate 6.375%. APR 6.453% Example-For a $100,000.00 loan amount, annual percentage rate of 6.453%. 1-540 Bi-weekly principal and interest payments of $333.71. One final payment of $97.14. Total Finance Charges of $81,322.06. Total of payments, $180,300.54. The payments do not include taxes and insurance, the actual payment obligation may be higher.
25 Year Monthly - 20% Down. Interest Rate 6.500% APR 6.584% Example-For a $100,000.00 loan amount, annual percentage rate of 6.584%. 1-299 principal and interest payments of $675.21. One final payment of $673.08. Total Finance Charges of $103,872.12. Total of payments, $202,560.87. The payments do not include taxes and insurance, the actual payment obligation may be higher.
20 Year Bi-Weekly - 20% Down. Interest Rate 6.125%. APR 6.218% Example-For a $100,000.00 loan amount, annual percentage rate of 6.218% 1-446 Bi-weekly principal and interest payments of $361.84. One final payment of $180.55. Total Finance Charges of $62,573.12. Total of payments, $161,561.19. The payments do not include taxes and insurance, the actual payment obligation may be higher.
20 Year Monthly - 20% Down. Interest Rate 6.250% APR 6.347% Example-For a $100,000.00 loan amount, annual percentage rate of 6.347%, 1-239 principal and interest payments of $730.93. One final payment of $730.07. Total Finance Charges of $76,713.04. Total of payments, $175,422.34. The payments do not include taxes and insurance, the actual payment obligation may be higher.
15 Year Monthly - 20% Down. Interest Rate of 5.875% APR 5.995%. Example for a $100,000.00 loan amount, annual percentage rate of 5.995%.1-179 principal and interest payments of $837.12. One final payment of $836.69. Total Finance Charge of $51,941.05. Total of payments $150,681.17. The payments do not include taxes and insurance, the actual payment obligation may be higher.
15 Year Bi-Weekly - 20% Down. Interest Rate of 5.875% APR 5.994%. Example for a $100,000.00 loan amount, annual percentage rate 5.994%, 1-343 principal & interest payments of $418.56. One final payment of $176.49. Total Finance Charge of $44,744.91. Total of payments $143,742.57. The payments do not include taxes and insurance, the actual payment obligation may be higher.
12 Year Monthly - 20% Down. Interest Rate of 5.85% APR 6.020%. Example for a $100,000.00 loan amount, annual percentage rate 6.020%, 1-143 principal & interest payments of $969.40. One final payment of $968.09. Total Finance Charge of $40,852.17. Total of payments $139,592.29. The payments do not include taxes and insurance, the actual payment obligation may be higher.
10 Year Monthly - 20% Down. Interest Rate of 5.875% APR 6.044%. Example for a $100,000.00 loan amount, Annual percentage rate 6.044%. 1-119 principal & interest payments of $1,103.94. One Final payment of $1,103.65. Total Finance Charge of $33,732.39. Total of payments $132,472.51. The payments do not include taxes and insurance, the actual payment obligation may be higher.
7 Year Monthly - 20% Down. Interest Rate of 5.875% APR 6.107% Example for a $100,000.00 loan amount, annual percentage rate of 6.107%. 1-83 principal & interest payments of $1,454.88. One final payment of $1,453.89. Total Finance Charge of $23,468.81. Total of payments $122,208.93. The payments do not include taxes and insurance, the actual payment obligation may be higher.
10-1 ARM Monthly - 20% Down. Interest Rate of 6.375% APR 6.533%. Example for a $100,000.00 loan amount, annual percentage rate 6.533%, 1 - 120 principal and interest payments of $623.87. 121-359 principal and interest payments of $636.31. One final payment of $635.26. Total Finance Charge $128,878.72. Total of payments $227,577.75 The payments do not include taxes and insurance, the actual payment obligation may be higher. The interest rate and monthly payment amount may vary after the first 120 months. ARM loans are variable rate loans; Interest rates and payments may increase after consummation.
7-1 ARM - 20% Down. Interest rate of 6.250%. APR 6.504%. Example for a $100,000.00 loan amount, annual percentage rate of 6.504%. 1 - 84 principal and interest payments $615.72. 85 - 359 principal and interest pay $636.29. One final payment of $631.64. Total Finance Charge $128,622.57. Total of payments $227,331.87. The payments do not include taxes and insurance, the actual payment obligation may be higher. The interest rate and monthly payment amount may vary after the first 84 months. ARM loans are variable rate loans; Interest rates and payments may increase after consummation.
5-1 ARM - 20% Down. Interest rate of 6.125%. APR 6.498%. Example for a $100,000.00 loan amount, annual percentage rate of 6.498%. 1- 60 principal and interest payments of $607.62. 61 - 359 principal and interest payments of $636.57. One final payment of $634.09. Total Finance Charge $131,683.07. Total of payments $230,404.37. The payments do not include taxes and insurance, the actual payment obligation may be higher. The interest rate and monthly payment amount may vary after the first 60 months. ARM loans are variable rate loans; Interest rates and payments may increase after consummation.
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