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

Mortgage Rates

Rates effective April 25, 2018
APR= Annual Percentage Rate

Mortgage Loan Specialists

Conventional Fixed Rate Mortgage

Term/Payment APR Fixed Rate
7 Year Monthly (0 Points) 3.665% 3.500%
10 Year Monthly (0 Points) 3.744% 3.625%
12 Year Monthly (0 Points) 3.851% 3.750%
15 Year Monthly (0 Points) 3.958% 3.875%
15 Year Bi-Weekly (0 Points) 3.927% 3.250%
20 Year Bi-Weekly (0 Points) 4.197% 4.125%
20 Year Monthly (0 Points) 4.441% 4.375%
30 Year Bi weekly (0 Points) 4.805% 4.750%

Adjustable Rate Mortgages

Conventional 30 Year ARM Loans APR Interest Rate
10-1 ARM (0 Points) 4.204% 3.875%
7-1 ARM (0 Points) 4.252% 3.750%
5-1 ARM (0 Points) 4.306% 3.625%

*Conventional 30 Year ARM Loans

*Jumbo Loans over $453,100.00, 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 -18 Year Monthly, 0 Points - 20% Down.  APR 4.197% Interest Rate 4.125%. Example-For a $100,000.00 loan amount, annual percentage rate of 4.197%. 215 principal & interest payments of $656.68. One final payment of $654.88. Total Finance Charges of $42,756.42. Total of payments $141,841.08. 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 4.750%. APR 4.805%  Example-For a $100,000.00 loan amount, annual percentage rate of 4.805%, 660 Bi-weekly principal and interest payments of $260.83. One final payment of $103.97. Total Finance Charges of $72,998.96. Total of payments, $172,251.77. 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 4.125%. APR 4.197% Example-For a $100,000.00 loan amount, annual percentage rate of 4.197%, 460 Bi-weekly principal and interest payments of $306.30. One final payment of $99.96.  Total Finance Charges of $41,721.18. Total of payments, $140,997.96. The payments do not include taxes and insurance, the actual payment obligation may be higher.

20 Year Monthly- 0 Points-20% Down/Interest Rate 4.375%. APR 4.441% Example-For a $100,000.00 loan amount, annual percentage rate of 4.441%, 239 principal and interest Payments of $625.93. One final payment of $622.84. Total Finance Charges of $51,156.69. Total of payments, $150,220.11. The payments do not include taxes and insurance, the actual payment obligation may be higher.

15 Year Monthly- 0 Points-20% Down/Interest Rate 3.875%. APR 3.958% Example-For a $100,000.00 loan amount, annual percentage rate of 3.958%, 179 principal and interest payments of $733.44. One final payment of $733.32. Total Finance Charges of $32,913.19Total of payments, $132,019.08. 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 3.750% APR 3.841%. Example for a $100,000.00 loan amount, annual percentage rate 3.841%, 350 Bi-weekly principal and interest payments of $363.62. One final payment of $206.42. Total Finance Charge of $28,182.26. Total of payments $127,473.42   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 3.750% APR 3.851%. Example for a $100,000.00 loan amount, annual percentage rate 3.851%, 143 principal & interest payments of $863.45. One final payment of $861.68. Total Finance Charge of $25,218.52. Total of payments $124,335.03. 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 3.625% APR 3.744%. Example for a $100,000.00 loan amount, Annual percentage rate 3.744%. 119 principal & interest payments of $994.73. One Final Payment of $993.99.Total Finance Charge of $20,239.74. Total of payments $119,366.86.  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 3.500% APR 3.665% Example for a $100,000.00 loan amount, annual percentage rate of 3.665%. 83 principal & interest payments of $1,343.99. One final payment of $1,343.52. Total Finance Charge of $13,756.95. Total of payments $112,894.69 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 3.875%. APR 4.204%. Example for a $100,000.00 loan amount, 20% down payment, annual percentage rate of 4.204%, 120 principal and interest payments of $470.24.  239 principal and interest payments of $501.62.One final payment of $500.14. Total finance charges $77,710.23. Total of payments $176,816.12. 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 3.750%. APR 4.252%. Example for a $100,000.00 loan amount, 20% down payment, annual percentage rate of 4.252%. 84 principal and interest payments of $463.12.  275 principal and interest payments of $504.11. One final payment $502.30. Total Finance Charge $78,918.12. Total of payments $178,034.63. 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 3.625%, APR 4.306%  Example, For $100,000.00 loan amount, 20% down payment, annual percentage rate of 4.306%, 60 principal and interest of $456.06. 299 principal and interest of $506.03. One final payment of $503.19. Total Finance Charge $80,042.64. Total of payments $179,169.76.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 315-468-6803 for current rates and additional information**.

EHL Black

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