Seneca Federal Savings and Loan Association
"A Better Way To Do Banking"
 
Welcome

Home
Contact Us
Mortgage Loan Fixed 15, 20 & 30
Mortgage Loan Adj. & 6-12 Fixed
Consumer Loans
Deposit Account Rates
Deposit Account Info
Deposit Account Fees
Director of Personnel
Privacy Policy
Financial Services
Latest News

Online Banking

Access ID:
 

Mortgage Loan Adjustable Rate &

6 To 12 Year Fixed

Effective September 5th, 2008

NO PMI UP TO 90%!!

6 TO 12 YEAR FIXED

TYPE OF LOAN RATE APR
12 yr. Conventional Fixed 6.000 6.000

10 yr. Conventional Fixed

5.875 5.875
8 yr. Conventional Fixed 5.750 5.750

6 yr. Conventional Fixed

5.750 5.750
     

 

ADJUSTABLE RATE MORTGAGE LOANS

Type of Loan Int. Rate APR Index Margin Lifetime Min. Rate Lifetime Max. Rate Cap. Per Adj.
1 Year Adjustable 5.500 5.952 1 yr. CMT 2.75 6.00 12.500 2.00
2 Year Adjustable 5.625 5.933 2 yr. CMT 2.75 6.00 12.625 2.00
3 Year Adjustable 6.000 6.000 3 yr. CMT 2.50 6.00 13.000 2.00
5/1 Year Adjustable 6.125 6.049 1 yr. CMT 2.75 6.00 11.125 2.00
10/1 Year Adjustable 6.375 6.248 1 yr. CMT 2.75 6.00 11.375 2.00

ALL RATES, TERMS AND CONDITIONS ARE SUBJECT TO CHANGE OR WITHDRAWAL WITHOUT NOTICE

All Rates and terms quoted are for 1-2 unit owner occupied residences.

Annual Percentage Rates (APRs) are based on $100,000 loan amount, at the maximum term of 30 years on adjustable rate loans (stated term for fixed rates) and interest rate noted above. No Private Mortgage Insurance (PMI),or prepaid interest.

A minimum 5% down payment is required. PMI is required on all loans with less than 10% down payment.

Maximum Loan Amount is $417,000

WANT TO BUILD YOUR DREAM HOME? ASK ABOUT OUR CONSTRUCTION/PERMANENT FINANCING!

CALL DIANE COLON OR TAMMY PURCELL FOR INFORMATION ON ANY OF OUR LOAN PRODUCTS - #315-638-0233

 

CMT is the most currently available monthly average yield on United States Treasury Securities adjusted to a constant maturity based on terms as listed above.

Seneca Federal Savings & Loan is an equal housing lender.

Figure out your monthly payments here: Just Click on the image below:

You must have java enabled in your browser in order to use this feature

 


 

Hours

 
 

Lobby:

Mon. - Thurs.

8:30 - 4:00

Fri.

8:30 - 6:00

Sat.

9:00 - 12:00

 

Drive-In:

Mon. - Wed.

8:30 - 4:00

Thurs. & Fri.

8:30 - 6:00

Sat.

9:00 - 12:00

 

 
 

Us
 

 

A Better Way To Do Banking