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

Mortgage Rates

Rates effective October 15, 2018
APR= Annual Percentage Rate

Mortgage Loan Specialists

Conventional Fixed Rate Mortgage

Term/Payment APR Fixed Rate
7 Year Monthly (0 Points) 3.974% 3.750%
10 Year Monthly (0 Points) 4.037% 3.875%
12 Year Monthly (0 Points) 4.138% 4.000%
15 Year Monthly (0 Points) 4.239% 4.125%
15 Year Bi-Weekly (0 Points) 4.124% 4.000%
20 Year Bi-Weekly (0 Points) 4.600% 4.500%
20 Year Monthly (0 Points) 4.841% 4.750%
30 Year Bi weekly (0 Points) 5.076% 5.000%

Adjustable Rate Mortgages

Conventional 30 Year ARM Loans APR Interest Rate
10-1 ARM (0 Points) 4.514% 4.125%
7-1 ARM (0 Points) 4.580% 4.000%
5-1 ARM (0 Points) 4.647% 3.875%

*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 -17 Year Biweekly, 0 Points - 20% Down.  APR 4.363% Interest Rate 4.250%. Example-For a $100,000.00 loan amount, annual percentage rate of 4.363%. 393 principal & interest payments of $344.63.  One final payment of $245.81.  Total Finance Charges of $36,613.41. Total of payments $135,685.40. 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 5.000%. APR 5.076%  Example-For a $100,000.00 loan amount, annual percentage rate of 5.076%, 656 Bi-weekly principal and interest payments of $268.42. One final payment of $2.23. Total Finance Charges of $77,042.53. Total of payments, $176,085.75. 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 4.500%. APR 4.600% Example-For a $100,000.00 loan amount, annual percentage rate of 4.600%, 458 Bi-weekly principal and interest payments of $316.33. One final payment of $30.39. Total Finance Charges of $45,847.13. Total of payments, $144,909.53. The payments do not include taxes and insurance, the actual payment obligation may be higher.

20 Year Monthly- 0 Points-20% Down. Interest Rate 4.750%. APR 4.841% Example-For a $100,000.00 loan amount, annual percentage rate of 4.841%, 239 principal and interest Payments of $646.23. One final payment of $643.69. Total Finance Charges of $56,261.08. Total of payments, $155,092.66. The payments do not include taxes and insurance, the actual payment obligation may be higher.

15 Year Monthly- 0 Points-20% Down. Interest Rate 4.125%. APR 4.239% Example-For a $100,000.00 loan amount, annual percentage rate of 4.239%, 179 principal and interest payments of $745.97. One final payment of $745.37. Total Finance Charges of $35,389.34. Total of payments, $134,274.00.  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 4.000% APR 4.124%. Example for a $100,000.00 loan amount, annual percentage rate 4.124%, 349 Bi-weekly principal and interest payments of $369.85. One final payment of $310.59. Total Finance Charge of $30,306.66. Total of payments $129,388.24. 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 4.000% APR 4.138%. Example for a $100,000.00 loan amount, annual percentage rate 4.138%, 143 principal & interest payments of $875.53. One final payment of $875.23. Total Finance Charge of $27,180.75. Total of payments $126,076.02. 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 3.875% APR 4.037%. Example for a $100,000.00 loan amount, Annual percentage rate 4.037%. 119 principal & interest payments of $1,006.53. One Final Payment of $1005.25.  Total Finance Charge of $21,876.43. Total of payments $120,782.32.  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 3.750% APR 3.974% Example for a $100,000.00 loan amount, annual percentage rate of 3.974%. 83 principal & interest payments of $1,355.41. One final payment of $1,354.72. Total Finance Charge of $14,937.24. Total of payments $113,853.75. 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 4.125%. APR 4.514%. Example for a $100,000.00 loan amount, annual percentage rate of 4.514%, 120 principal and interest payments of $484.65.  239 principal and interest payments of $522.13.  One final payment of $520.15. Total finance charges $84,582.56. Total of payments $183,467.22. 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 4.000%. APR 4.580%. Example for a $100,000.00 loan amount,  annual percentage rate of 4.580%. 84 principal and interest payments of $477.42.  275 principal and interest payments of $525.31. One final payment $525.00. Total Finance Charge $86,193.26. Total of payments $185,088.53. 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 3.875%, APR 4.647%  Example, For $100,000.00 loan amount,  annual percentage rate of 4.647%, 60 principal and interest of $470.24. 299 principal and interest of $527.68. One final payment of $522.51. Total Finance Charge $87,607.34. Total of payments $186,513.23.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

  • Get It @ Geddes on Bridge Street –
    Localsyr.com's Bridge Street sat down with Geddes Federal Mortgage Loan Specialist Chris Lauricella and SAMMY Hall-of-Famer Todd Hobin, who wrote the 'Get it @ Geddes,' jingle.…
    read more…
  • Geddes Federal Sponsors Tipp Hill Shamrock Run 2018 –
    Geddes Federal Savings and Loan Association is a sponsor for the 2018 Tipp Hill Shamrock Run. Get details here.…
    read more…
More News
Consumer & Fraud Alerts
  • Important Message about the Equifax Breach –
    Click here to learn some simple things you can do immediately to protect yourself from fraudulent activity.
    read more…
  • Protect your Privacy –
    Read our privacy policy, and get the latest information on preventing Identity Theft and Fraud Prevention.
    read more…
More Consumer & Fraud Alerts...