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Mortgage Rates

Rates effective September 13, 2021
APR= Annual Percentage Rate

Mortgage Loan Specialists

Conventional Fixed Rate Mortgage

Term/Payment APR Fixed Rate
7 Year Monthly (0 Points) 2.342% 2.125%
10 Year Monthly (0 Points) 2.280% 2.125%
12 Year Monthly (0 Points) 2.256% 2.125%
15 Year Monthly (0 Points) 2.482% 2.375%
15 Year Bi-Weekly (0 Points) 2.367% 2.250%
20 Year Bi-Weekly (0 Points) 2.717% 2.625%
20 Year Monthly (0 Points) 2.708% 2.625%
25 Year Bi Weekly (0 Points) 2.826% 2.750%
30 Year Bi weekly (0 Points) 3.066% 3.000%

Adjustable Rate Mortgages

Conventional 30 Year ARM Loans APR Interest Rate
10-1 ARM (0 Points) Special 2.533% 2.375%
10-1 ARM (0 Points) 2.758% 2.750%
7-1 ARM (0 Points) 2.683% 2.625%
5-1 ARM (0 Points) 2.640% 2.500%

Benefits of Geddes Federal 25 Year Mortgage Rates near Syracuse, NY


Geddes Federal Savings and Loan Association offers affordable 25 year mortgage rates near Syracuse, NY. We offer competitive 25 year mortgage rates with bi-weekly payment terms, making your dream of home ownership affordable. 

25 year mortgage rates include lower monthly payments compared to shorter mortgage terms. This is because you're paying off your mortgage over a longer period of time, allowing for low monthly or bi-weekly payments that fit your budget. This also allows you more financial flexibility to save toward your goals.

During the COVID-19 Pandemic, Health and Safety Are the Top Priority At Geddes Federal. Our Loan Specialists Would Be Happy to Discuss Mortgages That Fit Your Budget.

Currently, meeting with a Geddes Federal Savings and Loan Association loan specialist is available by appointment only.

Our employees are sanitizing areas after each customer, and social distancing and wearing a mask is required for both customers and employees.

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We Offer More Than 25 Year Mortgage Rates. Learn More About Our Mortgage Rates Below


*Conventional 30 Year ARM Loans

*ARM Loans are variable rate loans; Interest rates and payments may increase after consumption.

*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.

10 - 1 ARM Monthly Mortgage Special - 0 Points - 20% Down. Interest Rate 2.375%. APR 2.533% Example- For $100,000.00 loan amount, annual percentage rate of 2.533%.  1-120 principal and interest payments of $388.66.  121-359 principal and interest payments of $397.69.  One final payment of $395.63. Total finance charges $43,042.95. Total of payments $142,082.74. The payments do not include taxes and insurance, the actual payment obligation may be higher.  The interest rate and monthly payment amount may vary after the first 120 months.  ARM loans are variable rate loans; Interest rates and payments may increase after consumption.

30 Year Bi-Weekly - 0 Points - 20% Down. Interest Rate 3.000%. APR 3.066%   Example-For a $100,000.00 loan amount, annual percentage rate of 3.066%     1-687 Bi-weekly principal and interest payments of $210.81. One final payment of $69.00. Total Finance Charges of $45,775.54. Total of payments, $144,895.47. The payments do not include taxes and insurance, the actual payment obligation may be higher.

25 Year Bi-Weekly - 0 Points - 20% Down. Interest Rate 2.750% APR 2.826% Example-For a $100,000.00 loan amount, annual percentage rate of 2.826%, 1-580 Bi-weekly principal and interest payments of $230.66. One final payment of $80.30. Total Finance Charges of $34,733.58. Total of payments, $133,863.10. 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 2.625%. APR 2.717% Example-For a $100,000.00 loan amount, annual percentage rate of 2.717%, 1-468 Bi-weekly principal and interest payments of $268.01. One final payment of $127.17. Total Finance Charges of $26,421.53. Total of payments, $125,555.85. The payments do not include taxes and insurance, the actual payment obligation may be higher.

20 Year Monthly- 0 Points-20% Down. Interest Rate 2.625%. APR 2.708% Example-For a $100,000.00 loan amount, annual percentage rate of 2.708%, 1-239 principal and interest Payments of $536.02. One final payment of $533.99. Total Finance Charges of $29,623.52. Total of payments, $128,642.77. The payments do not include taxes and insurance, the actual payment obligation may be higher.

15 Year Monthly- 0 Points-20% Down. Interest Rate 2.250%. APR 2.356% Example-For a $100,000.00 loan amount, annual percentage rate of 2.356%, 1-179 principal and interest payments of $655.09. One final payment of $653.97. Total Finance Charges of $18,865.01. Total of payments, $117,915.08.  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 2.250% APR 2.367%. Example for a $100,000.00 loan amount, annual percentage rate 2.367%,    1-354 Bi-weekly principal and interest payments of $327.55. One final payment of $220.50. Total Finance Charge of $17,024.50. Total of payments $116,173.20 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 2.125% APR 2.256%. Example for a $100,000.00 loan amount, annual percentage rate 2.256%,    1-143 principal & interest payments of $787.36. One final payment of $786.78. Total Finance Charge of $14,318.92. Total of payments $113,379.26. 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 2.125% APR 2.280%. Example for a $100,000.00 loan amount, Annual percentage rate 2.280%.    1-119 principal & interest payments of $925.75. One Final Payment of $924.86.  Total Finance Charge of $12,028.77. Total of payments $111,089.11.  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 2.125% APR 2.342%.  Example for a $100,000.00 loan amount, annual percentage rate of 2.342%.  1-83 principal & interest payments of $1,282.27. One final payment of $1,281.72. Total Finance Charge of $8,649.79. Total of payments $107,710.13. 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 2.750%. APR 2.758%. Example for a $100,000.00 loan amount, annual percentage rate of 2.758%, 1-120 principal and interest payments of $408.25.  121-359 principal and interest payments of $403.61.  One final payment of $401.01. Total finance charges $46,844.83. Total of payments $145,853.80. The payments do not include taxes and insurance, the actual payment obligation may be higher.  The interest rate and monthly payment amount may vary after the first 120 months.  ARM loans are variable rate loans; Interest rates and payments may increase after consumption.

7-1 ARM 0 points, 20% Down. Interest rate of 2.625%. APR 2.683%. Example for a $100,000.00 loan amount,  annual percentage rate of 2.683%.1 - 359 principal and interest payments of $401.66. One final payment $396.48. Total Finance Charge $45,573.17. Total of payments $144,592.42. The payments do not include taxes and insurance, the actual payment obligation may be higher.  The interest rate and monthly payment amount may vary after the first 84 months.  ARM loans are variable rate loans; Interest rates and payments may increase after consumption.

5-1 ARM 0 Points, 20% Down. Interest rate of 2.500%, APR 2.640%  Example, For $100,000.00 loan amount,  annual percentage rate of 2.640%, 1- 60 principal and interest of $395.13.  61 - 359 principal and interest of $400.69.  One final payment of $398.84. Total Finance Charge $44,883.43. Total of payments $143,912.95. The payments do not include taxes and insurance, the actual payment obligation may be higher. The interest rate and monthly payment amount may vary after the first 60 months.  ARM loans are variable rate loans; Interest rates and payments may increase after consumption.

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EHL Black

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