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

Mortgage Rates

Rates effective June 11, 2018
APR= Annual Percentage Rate

Mortgage Loan Specialists

Conventional Fixed Rate Mortgage

Term/Payment APR Fixed Rate
7 Year Monthly (0 Points) 3.791% 3.625%
10 Year Monthly (0 Points) 3.870% 3.750%
12 Year Monthly (0 Points) 3.977% 3.875%
15 Year Monthly (0 Points) 4.084% 4.000%
15 Year Bi-Weekly (0 Points) 3.966% 3.875%
20 Year Bi-Weekly (0 Points) 4.322% 4.250%
20 Year Monthly (0 Points) 4.567% 4.500%
30 Year Bi weekly (0 Points) 4.930% 4.875%

Adjustable Rate Mortgages

Conventional 30 Year ARM Loans APR Interest Rate
10-1 ARM (0 Points) 4.328% 4.000%
7-1 ARM (0 Points) 4.376% 3.875%
5-1 ARM (0 Points) 4.429% 3.750%

*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 4.322% Interest Rate 4.250%. Example-For a $100,000.00 loan amount, annual percentage rate of 4.322%. 215 Principal & interest payments of $663.19. One final payment of $662.49. Total Finance Charges of $44,174.30. Total of payments $143,248.34. 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 4.875%. APR 4.930%  Example-For a $100,000.00 loan amount, annual percentage rate of 4.930%, 658 Bi-weekly principal and interest payments of $264.61. One final payment of $60.68. Total Finance Charges of $74,926.05. Total of payments, $174,174.06. 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 4.250%. APR 4.322% Example-For a $100,000.00 loan amount, annual percentage rate of 4.322%, 459 Bi-weekly principal and interest payments of $309.62. One final payment of $185.54. Total Finance Charges of $43,029.13. Total of payments, $142,301.12. The payments do not include taxes and insurance, the actual payment obligation may be higher.

20 Year Monthly- 0 Points-20% Down/Interest Rate 4.500%. APR 4.567% Example-For a $100,000.00 loan amount, annual percentage rate of 4.567%, 239 principal and interest Payments of $632.65. One final payment of $632.41. Total Finance Charges of $52,782.95. Total of payments, $151,835.76. The payments do not include taxes and insurance, the actual payment obligation may be higher.

15 Year Monthly- 0 Points-20% Down/Interest Rate 4.000%. APR 4.084% Example-For a $100,000.00 loan amount, annual percentage rate of 4.084%, 179 principal and interest payments of $739.69. One final payment of $738.18. Total Finance Charges of $34,048.42. Total of payments, $133,143.69The 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 3.875% APR 3.966%. Example for a $100,000.00 loan amount, annual percentage rate 3.966%, 350 Bi-weekly principal and interest payments of $366.72. One final payment of $78.64. Total Finance Charge of $29,144.27. Total of payments $128,430.64.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 3.875% APR 3.977%. Example for a $100,000.00 loan amount, annual percentage rate 3.977%, 143 principal & interest payments of $869.48. One final payment of $867.95. Total Finance Charge of $26,097.70. Total of payments $125,203.59. 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 3.750% APR 3.870%. Example for a $100,000.00 loan amount, Annual percentage rate 3.870%. 119 principal & interest payments of $1,000.62. One Final Payment of $992.52..Total Finance Charge of $20,956.79. Total of payments $120,073.30.  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 3.625% APR 3.791% Example for a $100,000.00 loan amount, annual percentage rate of 3.791%. 83 principal & interest payments of $1,349.69. One final payment of $1,349.35. Total Finance Charge of $14,246.50. Total of payments $113,373.62. 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 4.000%. APR 4.328%. Example for a $100,000.00 loan amount, annual percentage rate of 4.328%, 120 principal and interest payments of $477.42.  239 principal and interest payments of $509.12.One final payment of $507.56. Total finance charges $80,382.37. Total of payments $179,477.64. 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 3.875%. APR 4.376%. Example for a $100,000.00 loan amount,  annual percentage rate of 4.376%. 84 principal and interest payments of $470.24.  275 principal and interest payments of $511.63. One final payment $507.00. Total Finance Charge $81,599.52. Total of payments $180,705.41. 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 3.750%, APR 4.429%  Example, For $100,000.00 loan amount,  annual percentage rate of 4.429%, 60 principal and interest of $463.12. 299 principal and interest of $513.55. One final payment of $510.56. Total Finance Charge $82,732.70. Total of payments $181,849.21.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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