Call: 315-468-6281 Automated Banking Phone 1-888-881-8627

Mortgage Rates

Rates effective August 14, 2017
APR= Annual Percentage Rate

Mortgage Loan Originators

Conventional Fixed Rate Mortgage

Term/Payment APR Fixed Rate
7 Year Monthly (0 Points) 2.913% 2.750%
10 Year Monthly (0 Points) 2.992% 2.875%
12 Year Monthly (0 Points) 3.099% 3.000%
15 Year Monthly (0 Points) 3.206% 3.125%
20 Year Bi-Weekly (0 Points) 3.570% 3.500%
20 Year Monthly (0 Points) 3.815% 3.750%
30 Year Bi weekly (0 Points) 4.303% 4.250%

Adjustable Rate Mortgages

Conventional 30 Year ARM Loans APR Interest Rate
10-1 ARM (0 Points) 3.489% 3.250%
7-1 ARM (0 Points) 3.503% 3.125%
5-1 ARM (0 Points) 3.645% 2.875%

*Conventional 30 Year ARM Loans

*Jumbo Loans over $424,000.00, add a 1/8% more to the conventional rate.

*Rates are subject to change at anytime.

*Add 1/4% to loan between 10-19% down payment.

*Weekly Special is only available up to 80% L.T.V..

*Add 1/4% to a loan under $25,000.00.



*Lending area is within 50 miles of our Syracuse New York location.

Special-12 Year BiWeekly, 0 Points- 20% Down.  APR 3.051% Interest Rate 2.750%. Example-For a $100,000.00 loan amount, annual percentage rate of 3.051%.   285 biweekly principal & interest payments of $406.60. One final payment of $215.85. Total Finance Charges of $17,552.94. Total of payments $116,096.85.  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 4.250%. APR 4.303%  Example-For a $100,000.00 loan amount, annual percentage rate of 4.303%, 674 Bi-weekly principal and interest payments of $244.92. One final payment of $63.52. Total Finance Charges of $65,806.36. Total of payments, $165,139.60.   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 3.500%. APR 3.570% Example-For a $100,000.00 loan amount, annual percentage rate of 3.570%, 466 Bi-weekly principal and interest payments of $289.03. One final payment of $11.90.  Total Finance Charges of $35,389.03. Total of payments, $134,699.88.   The payments do not include taxes and insurance, the actual payment obligation may be higher.

20 Year Monthly- 0 Points-20% Down/Interest Rate 3.7500%. APR 3.8150% Example-For a $100,000.00 loan amount, annual percentage rate of 3.7500%, 239 principal and interest Payments of $592.89. One final payment of $592.29. Total Finance Charges of $43,176.49. Total of payments, $142,293.00.   The payments do not include taxes and insurance, the actual payment obligation may be higher.

15 Year Monthly- 0 Points-20% Down/Interest Rate 3.125%. APR 3.206% Example-For a $100,000.00 loan amount, annual percentage rate of 3.206%, 179 principal and interest payments of $696.61. One final payment of $696.46. Total Finance Charges of $26,220.06. Total of payments, $125,389.65.   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 3.000% APR 3.089%. Example for a $100,000.00 loan amount, annual percentage rate 3.089%, 354 Bi-weekly principal and interest payments of $344.26. One final payment of $318.13. Total Finance Charge of $22,549.71 Total of payments $122,186.17.   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 3.000% APR 3.099%. Example for a $100,000.00 loan amount, annual percentage rate 3.099%, 143 principal & interest payments of $827.79. One final payment of $827.22. Total Finance Charge of $20,020.98. Total of payments $119,201.19.   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 2.875% APR 2.992%. Example for a $100,000.00 loan amount, Annual percentage rate 2.992%. 119 principal & interest payments of $959.85. One Final Payment of $959.59. Total Finance Charge of $15,990.92. Total of payments $115,181.74.  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 2.750% APR 2.913% Example for a $100,000.00 loan amount, annual percentage rate of 2.913%.  83 principal & interest payments of $1,310.10. One final payment of $1,309.44 Total Finance Charge of $10,846.30. Total of payments $110,047.74.  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 3.250%. APR 3.489%. Example for a $100,000.00 loan amount, 20% down payment, annual percentage rate of 3.489%,  120 principal and interest payments of $435.21.  239 principal and interest payments of $454.92.  One final payment of $453.84. Total finance charges $62,245.95.Total of  payments $161,404.92.   The payments do not include taxes and insurance, the actual payment obligation may be higher.

7-1 ARM 0 points, 20% Down, Interest rate of 3.125%. APR 3.503%. Example for a $100,000.00 loan amount, 20% down payment, annual percentage rate of 3.503%,  84 principal and interest payments of $428.38.  275 principal and interest payments of $456.05.One final payment $453.84. Total Finance Charge $62,681.92. Total of payments $161,851.51.   The payments do not include taxes and insurance, the actual payment obligation may be higher.

5-1 ARM 0 Points, 20% Down, Interest rate of 2.875%, APR 3.645%  Example, For $100,000.00 loan amount, 20% down payment, annual percentage rate of 3.645%, 60 principal and interest of $414.90.  299 principal and interest of $468.21. One final payment of $463.74. Total Finance Charge $66,161.71. Total of payments $165,352.53.   The payments do not include taxes and insurance, the actual payment obligation may be higher.

** Please contact the Geddes Federal Savings and Loan Mortgage Department at 315-468-6281 for current rates and additional information**.

EHL Black

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