Mortgage Rates

Rates effective August 5, 2022   |   *APR= Annual Percentage Rate

Conventional Fixed Rate Mortgage

Term/Payment APR Fixed Rate
7 Year Monthly (0 Points) 4.348% 4.125%
10 Year Monthly (0 Points) 4.286% 4.125%
12 Year Monthly (0 Points) 4.387% 4.250%
15 Year Monthly (0 Points) 4.488% 4.375%
15 Year Bi-Weekly (0 Points) 4.489% 4.375%
20 Year Bi-Weekly (0 Points) 4.964% 4.875%
20 Year Monthly (0 Points) 4.966% 4.875%
25 Year Bi Weekly (0 Points) 5.073% 5.000%
30 Year Bi weekly (0 Points) 5.188% 5.125%

Adjustable Rate Mortgages

Conventional 30 Year ARM Loans APR Interest Rate
10-1 ARM (0 Points) 4.930% 4.500%
7-1 ARM (0 Points) 5.012% 4.375%
5-1 ARM (0 Points) 5.094% 4.250%

Benefits of Geddes Federal

Geddes Federal Savings and Loan Association offers affordable 25 year mortgage rates near Syracuse, NY. We offer competitive 25 year mortgage rates with bi-weekly payment terms, making your dream of home ownership affordable.

A 25 year mortgage with bi-weekly payments 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.  Ask one of our Loan Specialists and get a further understanding of this money saving option.

We Offer More Than 25 Year Mortgage Rates

  • Conventional 30 Year ARM Loans
  • Add 1/4% to a loan under $25,000.00
  • Rates are subject to change at anytime
  • Weekly Special is only available up to 80% L.T.V.
  • Add 1/4% to loan between 10-19% down payment
  • Lending area is within 50 miles of our Syracuse New York location
  • ARM Loans are variable rate loans; Interest rates and payments may increase after consummation

Special: 19 Year Monthly- 0 Points-20% Down. Interest Rate 4.625%. APR 4.718% Example-For a $100,000.00 loan amount, annual percentage rate of 4.718%, 1-227 principal and interest Payments of $659.97. One final payment of $657.90. Total Finance Charges of $51,616.23. Total of payments, $150,471.09 The payments do not include taxes and insurance, the actual payment obligation may be higher.

Special: 19 Year Bi-Weekly - 0 Points - 20% Down. Interest Rate 4.625%. APR 4.729% Example-For a $100,000.00 loan amount, annual percentage rate of 4.729%, 1-435 Bi-weekly principal and interest payments of $329.99. One final payment of $255.93. Total Finance Charges of $44,743.98. Total of payments, $143,801.58. The payments do not include taxes and insurance, the actual payment obligation may be higher.

30 Year Bi-Weekly - 0 Points - 20% Down. Interest Rate 5.125%. APR 5.188% Example-For a $100,000.00 loan amount, annual percentage rate of 5.188% 1-651 Bi-weekly principal and interest payments of $272.25. One final payment of $253.45. Total Finance Charges of $78,449.78. Total of payments, $177,488.20. The payments do not include taxes and insurance, the actual payment obligation may be higher.

25 Year Bi-Weekly - 0 Points - 20% Down. Interest Rate 5.000% APR 5.073% Example-For a $100,000.00 loan amount, annual percentage rate of 5.073%, 1-557 Bi-weekly principal and interest payments of $292.30. One final payment of $36.03. Total Finance Charges of $63,803.91. Total of payments, $162,847.13. The payments do not include taxes and insurance, the actual payment obligation may be higher.

20 Year Bi-Weekly - 0 Points - 20% Down. Interest Rate 4.875%. APR 4.964% Example-For a $100,000.00 loan amount, annual percentage rate of 4.964%, 1-455 Bi-weekly principal and interest payments of $326.54. One final payment of $19.20. Total Finance Charges of $49,546.89. Total of payments, $148,594.90. The payments do not include taxes and insurance, the actual payment obligation may be higher.

20 Year Monthly- 0 Points-20% Down. Interest Rate 4.875%. APR 4.966% Example-For a $100,000.00 loan amount, annual percentage rate of 4.966%, 1-239 principal and interest Payments of $653.08. One final payment of $649.05. Total Finance Charges of $57,900.85. Total of payments, $156,735.17. The payments do not include taxes and insurance, the actual payment obligation may be higher.

15 Year Monthly- 0 Points-20% Down. Interest Rate 4.375% APR 4.488% Example-For a $100,000.00 loan amount, annual percentage rate of 4.488%, 1-179 principal and interest payments of $758.63. One final payment of $756.18. Total Finance Charges of $37,675.54. Total of payments, $136,550.95. The payments do not include taxes and insurance, the actual payment obligation may be higher.

15 Year Bi-Weekly- 0 Points-20% Down. Interest Rate of 4.375% APR 4.489%. Example for a $100,000.00 loan amount, annual percentage rate 4.489%, 1-348 Bi-weekly principal and interest payments of $379.32. One final payment of $139.50. Total Finance Charge of $33,075.67. Total of payments $132,142.86. The payments do not include taxes and insurance, the actual payment obligation may be higher.

12 Year Monthly-0 Points - 20% Down. Interest Rate of 4.250% APR 4.387%. Example for a $100,000.00 loan amount, annual percentage rate 4.387%, 1-143 principal & interest payments of $887.72. One final payment of $887.30. Total Finance Charge of $28,945.58. Total of payments $127,831.26. The payments do not include taxes and insurance, the actual payment obligation may be higher.

10 Year Monthly 0 Points-20% Down. Interest Rate of 4.125% APR 4.286%. Example for a $100,000.00 loan amount, Annual percentage rate 4.286%. 1-119 principal & interest payments of $1,018.41. One Final Payment of $1,017.33. Total Finance Charge of $23,312.16. Total of payments $122,208.12. The payments do not include taxes and insurance, the actual payment obligation may be higher.

7 Year Monthly 0 Points-20% Down. Interest Rate of 4.125% APR 4.347%. Example for a $100,000.00 loan amount, annual percentage rate of 4.347%. 1-83 principal & interest payments of $1,372.65. One final payment of $1,371.88. Total Finance Charge of $16,405.87. Total of payments $115,301.83. The payments do not include taxes and insurance, the actual payment obligation may be higher.

10-1 ARM 0 points, 20% Down. Interest rate of 4.500%. APR 4.929%. Example for a $100,000.00 loan amount, annual percentage rate of 4.929%. 1 - 120 principal and interest payments of $506.69. 121 - 359 principal and interest payments of $550.93. One final payment $546.66. Total Finance Charge $94,156.59. Total of payments $193,021.73. 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 0 points, 20% Down. Interest rate of 4.375%. APR 5.012%. Example for a $100,000.00 loan amount, annual percentage rate of 5.012%. 1 - 84 principal and interest payments of $499.29. 85-359 principal and interest payments of $554.83. One final payment $554.28. Total Finance Charge $96,197.48 Total of payments $195,072.89. 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 0 Points, 20% Down. Interest rate of 4.250%, APR 5.094% Example, For $100,000.00 loan amount, annual percentage rate of 5.094%, 1- 60 principal and interest of $491.94. 61 - 359 principal and interest of $557.64. One final payment of $556.78. Total Finance Charge $97,921.86. Total of payments $196,807.54. 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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