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

Mortgage Rates

Rates effective February 20, 2018
APR= Annual Percentage Rate

Mortgage Loan Originators

Conventional Fixed Rate Mortgage

Term/Payment APR Fixed Rate
7 Year Monthly (0 Points) 3.415% 3.250%
10 Year Monthly (0 Points) 3.494% 3.375%
12 Year Monthly (0 Points) 3.6011% 3.500%
15 Year Monthly (0 Points) 3.708% 3.625%
20 Year Bi-Weekly (0 Points) 4.076% 3.875%
20 Year Monthly (0 Points) 4.191% 4.125%
30 Year Bi weekly (0 Points) 4.525% 4.375%

Adjustable Rate Mortgages

Conventional 30 Year ARM Loans APR Interest Rate
10-1 ARM (0 Points) 3.880% 3.500%
7-1 ARM (0 Points) 3.947% 3.375%
5-1 ARM (0 Points) 3.970% 3.125%

*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 -19 Year BiWeekly, 0 Points- 20% Down.  APR 3.833% Interest Rate 3.625%. Example-For a $100,000.00 loan amount, annual percentage rate of 3.833%.  443 principal & interest payments of $302.73.  One final payment of $271.88. Total Finance Charges of $35,830.36. Total of payments $134,381.27.  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 4.525%. APR 4.375%  Example-For a $100,000.00 loan amount, annual percentage rate of 4.525%, 674 Bi-weekly principal and interest payments of $248.19. One final payment of $127.22. Total Finance Charges of $69,015.20. Total of payments, $167,407.28.   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 3.875%. APR 4.076% Example-For a $100,000.00 loan amount, annual percentage rate of 4.076%, 465 Bi-weekly principal and interest payments of $298.27. One final payment of $88.14.  Total Finance Charges of $40,426.24. Total of payments, $138,783.69.   The payments do not include taxes and insurance, the actual payment obligation may be higher.

20 Year Monthly- 0 Points-20% Down/Interest Rate 4.125%. APR 4.191% Example-For a $100,000.00 loan amount, annual percentage rate of 4.191%, 239 principal and interest Payments of $612.59. One final payment of $611.55. Total Finance Charges of $47,935.90. Total of payments, $147,020.56   The payments do not include taxes and insurance, the actual payment obligation may be higher.

15 Year Monthly- 0 Points-20% Down/Interest Rate 3.625%. APR 3.708% Example-For a $100,000.00 loan amount, annual percentage rate of 3.708%, 179 principal and interest payments of $721.04. One final payment of $720.27. Total Finance Charges of $30.659.31 Total of payments, $129,786.43.   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 3.500% APR 3.754%. Example for a $100,000.00 loan amount, annual percentage rate 3.754%, 353 Bi-weekly principal and interest payments of $356.09. One final payment of $38.38. Total Finance Charge of $27,415.88. Total of payments $125,738.15.   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 3.500% APR 3.6011%. Example for a $100,000.00 loan amount, annual percentage rate 3.6011%, 143 principal & interest payments of $851.46. One final payment of $850.34. Total Finance Charge of $23,471.38. Total of payments $122,609.12   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 3.375% APR 3.494%. Example for a $100,000.00 loan amount, Annual percentage rate 3.494%. 119 principal & interest payments of $983.02 One Final Payment of $982.14 Total Finance Charge of $18,813.16. Total of payments $117,961.52.  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 3.250% APR 3.415% Example for a $100,000.00 loan amount, annual percentage rate of 3.415%.  83 principal & interest payments of $1,332.63.  One final payment of $1,332.39. Total Finance Charge of $12,781.71. Total of payments $111,940.68.  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 3.500%. APR 3.880%. Example for a $100,000.00 loan amount, 20% down payment, annual percentage rate of 3.880%,  120 principal and interest payments of $449.05.  239 principal and interest payments of $484.63.  One final payment of $483.48. Total finance charges $71,058.31. Total of payments $170,196.05.   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 3.375%. APR 3.947%. Example for a $100,000.00 loan amount, 20% down payment, annual percentage rate of 3.947%,  84 principal and interest payments of $442.10.  275 principal and interest payments of $487.75. One final payment $485.41. Total Finance Charge $72,604.70. Total of payments $171,753.06.   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 3.125%, APR 3.970%  Example, For $100,000.00 loan amount, 20% down payment, annual percentage rate of 3.970%, 60 principal and interest of $428.38.  299 principal and interest of $488.99. One final payment of $487.71. Total Finance Charge $73,228.93. Total of payments $172,398.52.   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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