Current Rates

FIXED RATE MORTGAGE LOANS

Type Of LoanRateLoan To Value RatioAPRPMI
30 yr. Conventional Fixed4.250%up to 90%4.250%No PMI
30 yr. Conventional Fixed4.125%up to 90%4.125%With PMI
20 yr. Conventional Fixed3.875%up to 90%3.875%No PMI
20 yr. Conventional Fixed3.750%up to 90%3.750%With PMI
15 yr. Conventional Fixed3.625%up to 90%3.625%No PMI
15 yr. Conventional Fixed3.500%up to 90%3.500%With PMI
10 yr. Conventional Fixed3.250%90% or less3.250%N/A
8 yr. Conventional Fixed3.250%90% or less3.250%N/A
6 yr. Conventional Fixed3.250%90% or less3.250%N/A

 Rates Effective June 11, 2015
ALL RATES, TERMS AND CONDITIONS ARE SUBJECT TO CHANGE OR WITHDRAWAL WITHOUT NOTICE.
On a 30 year mortgage, with 0 points, for $100,000 with an interest rate of 4.250% (4.250% APR) and a minimum down payment of 20%, the principal and interest payment would be $491.94 per month.

* Payments do not include amounts for taxes and insurance premiums (if applicable) and actual payment obligation will be greater. Minimum loan amount: $5,000. Maximum conforming loan amount: $417,000. Rates subject to change without notice. All loans subject to secondary market underwriting requirements. 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 term and interest rate noted above. No Private Mortgage Insurance (PMI). A minimum 10% down payment is required.

 

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

Financing available for the purchase and construction/renovation of investment and business properties. Interest only financing available through construction period. Also ask about Seneca Savings Home Equity Loans.

CALL Anthony Merrow (NMLS #641982) at 315-391-8521
OR Eric Morgan  (NMLS #38323) at 315-427-1883

*** Special Financing For First Time Homebuyers – 10% Down Payment With No PMI ***
Also available – as little as 3% to 5% down payment with PMI. 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. Seneca Savings participates with the Federal Home Loan Bank (FHLB) First-Time Homebuyer Program

 

 

HOME EQUITY LINE OF CREDIT

TermCurrent Prime
15 Years3.250%

Home Equity Lines Of Credit Available. Prime plus zero, no closing costs.
On a 15 Yr. HELOC for $50,000 with an interest rate of 3.250% (3.250% APR) the principal and interest payment would be $351.33

For complete terms and conditions please visit our Home Equity Line of Credit Page.

 

HOME EQUITY LOANS FIXED RATE

Term1st Lien Position2nd Lien Position
5 Years3.625%4.625%
10 Years4.125%4.750%
15 Years4.250%4.875%

On a 10 year Home Equity Loan for $15,000 with an interest rate of 4.125% (4.125% APR) the principal + interest payment would be $152.76

 

CONSUMER LOANS

Type of LoanAPRMaximum TermDown Payment
Unsecured (Max Loan is $5,000)12.000%36NA
Auto-New2.875%60zero
Auto-Used
2010 & Newer3.125%60zero
4.000%36zero
Marine-New4.500%6010%
4.750%8410%
Marine-Used4.990%6015%
4.500%8410%
4.750%6010%
Snowmobiles, Motorcycles, Rec. Trailers4.800%36zero

 * On a 5 yr. auto, for $10,000.00 with an interest rate of 2.875% (2.875% APR) and a minimum down payment of 10% the principal and interest payment would be $179.13 per month.

 

OTHER CONSUMER LOANS:

We offer many different rate and down payment options are available.

For more information call Amie Dupra at 315-638-0233

Loan secured by Seneca  Savings account – Account Rate plus 3% – Maximum 8.50% APR
Maximum – 100% of account balance

 

CONSUMER LINE OF CREDIT

Fixed TermAPR
5 YR.6.250%

Rate is Fixed at 15%
HOME IMPROVEMENT LOANS (INCLUDING SWIMMING POOLS)

(owner occupied – unsecured)  

All rates and terms quoted are for 1 – 2 unit owner occupied
Maximum unsecured loan amount  is $5,000

On a 5 yr. Home Improvement for $5,000.00 with an interest rate of 6.250% (6.250%  APR) the principal and interest payment would be $97.25 per month.

 

DEPOSIT ACCOUNT RATES

Fixed TermMinimum Deposit To Open AccountMinimum Balance*To Obtain Annual Percentage YieldInterest RateAnnual Percentage Yield
Value Checking$100.00$500.000.05%0.05%
Statement Savings$1.00$50.000.05%0.05%
Money Market$1.00$2,499.99 0.10%(1)0.10%(1)
$2,500.00 $24,999.99 0.15%(1)0.15%(1)
$25,000.00 $74,999.99 0.25%(1)0.25%(1)
$75,000.00 $149,999.99 0.30%(1)0.30%(1)
$150,000.00 0.35%(1)0.35%(1)
6 month CD$500.00$500.000.25%0.25%
12 month CD$500.00$500.000.55%0.55%
13 month CD$500.00$500.000.80%0.80%
18 month CD$500.00$500.000.90%0.90%
24 month CD$500.00$500.000.95%0.95%
36 month CD$500.00$500.001.09%1.10%
48 month CD$500.00$500.001.69%1.70%
60 month CD$500.00$500.001.78%1.80%

Rates Effective May 27, 2015
All Rates Subject to Change Without Notice.

*Daily Balance (the balance in the account each day)
(1) Applicable to entire balance. Fees may reduce earnings
*Interest rates are subject to change at any time.
* $500.00 minimum balance required.
* Penalty may be imposed for early withdrawal
* APY = Annual Percentage Yield, Interest is compounded daily and posted quarterly.

For the most current interest rate and Annual Percentage Yield (APY)  information call 316-638-0233.

Mortgage RatesIcon for: Mortgage Rates

30 yr. Conventional Fixed
Rate
4.250%
APR
4.250% No PMI
Points
No
30 yr. Conventional Fixed
Rate
4.125%
APR
4.125% With PMI
Points
No
20 yr. Conventional Fixed
Rate
3.875%
APR
3.875% No PMI
Points
No
20 yr. Conventional Fixed
Rate
3.750%
APR
3.750%With PMI
Points
No
15 yr. Conventional Fixed
Rate
3.625%
APR
3.625% No PMI
Points
No
15 yr. Conventional Fixed
Rate
3.500%
APR
3.500% With PMI
Points
No
10 yr. Conventional Fixed
Rate
3.250%
APR
3.250%
Points
No
8 yr. Conventional Fixed
Rate
3.250%
APR
3.250%
Points
No
6 yr. Conventional Fixed
Rate
3.250%
APR
3.250%
Points
No
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