Current Rates

Accurate and Effective As Of 12/17/14
Rates Subject to Change Without Notice.

FIXED RATE MORTGAGE LOANS:

Type Of Loan Rate Loan To Value Ratio APR PMI
30 yr. Conventional Fixed 4.000 up to 90% 4.000 No PMI
20 yr. Conventional Fixed 3.625 up to 90% 3.625 No PMI
15 yr. Conventional Fixed 3.500 81-90% 3.500 No PMI
15 yr. Conventional Fixed 3.250 80% or less 3.250 N/A
10 yr. Conventional Fixed 3.000 90% or less 3.000 N/A
8 yr. Conventional Fixed 3.000 90% or less 3.000 N/A
6 yr. Conventional Fixed 3.000 90% or less 3.000 N/A

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 4.000% (4.000% APR) and a minimum down payment of 20%, the principal and interest payment would be $477.42 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!

Also ask about Seneca Savings Home Equity Loans

*** Special Financing For First Time Homebuyers – 10% Down Payment With No PMI ***

Also available – as little as 3% to 5% down payment with PMI

Seneca Savings participates with the Federal Home Loan Bank (FHLB) First-Time Homebuyer Program

CALL TAMMY PURCELL (NMLS #800243) OR REBECCA SMITH (NLMS #800244)
FOR INFORMATION ON ANY OF OUR LOAN PRODUCTS – #315-638-0233

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.

 

Home Equity Lines Of Credit Available. Prime plus zero, no closing costs.

Term Current Prime
15 Years 3.250%

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 Page

HOME EQUITY LOANS FIXED RATE:

Term 1st Lien Position 2nd Lien Position
 5 Years 3.625% 4.625%
 10 Years  4.125%  4.75%
 15 Years  4.250%  4.875%

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

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.

 

CONSUMER LOANS:

Type of Loan APR Maximum Term Down Payment
Unsecured (Max Loan is $5,000) 12.00% 36 NA
Auto-New 2.875% 60 zero
Auto-Used
2010 & Newer 3.125% 60 zero
2009 – 2005 4.000% 36 zero
Marine-New 4.500% 60 10%
4.750% 84 10%
Marine-Used 4.990% 60 15%
RV’s-New 4.500% 84 10%
RV’s Used & Pull Campers – New 4.750% 60 10%
Snowmobiles, Motorcycles, Rec. Trailers 4.800% 36 zero

* 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:

Many different rate and down payment options are available. Please call Tammy Purcell or Rebecca Smith at 315-638-0233

Loan secured by SENECA  SAVINGS ACCT. – Acct. Rate plus 3% – Max 8.50% APR
Maximum – 100% of account balance

CONSUMER LINE OF CREDIT:

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

(owner occupied – unsecured)

Fixed Term APR
5 YR. 6.250%

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:

Accurate and Effective:

December 17th, 2014 – December 23rd, 2014

 

Fixed
Term
Minimum
Deposit To
Open Account
Minimum Balance*
To Obtain Annual
Percentage Yield
Interest
Rate
Annual
Percentage
Yield
Now Checking $100.00 $500.00 .0.05% 0.05%
Passbook Savings $1.00 $50.00 0.05% 0.05%
Holiday Club $1.00 $50.00 0.05% 0.05%
Money Market $1.00 $2499.99 0.05%(1) 0.05%(1)
$2,500.00 $24,999.99 0.10%(1) 0.10%(1)
$25,000.00 $74,999.99 0.15%(1) 0.15%(1)
$75,000.00 $149,999.99 0.20%(1) 0.20%(1)
$150,000.00  Or Greater 0.25%(1) 0.25%(1)
6 month CD $500.00 $500.00 0.25% 0.25%
12 month CD $500.00 $500.00 0.50% 0.50%
13 month CD $500.00 $500.00 0.50% 0.50%
18 month CD $500.00 $500.00 0.55% 0.55%
24 month CD $500.00 $500.00 0.60% 0.60%
36 month CD $500.00 $500.00 0.90% 0.90%
48 month CD $500.00 $500.00 1.49% 1.50%
60 month CD $500.00 $500.00 1.69% 1.70%

*Daily Balance (the amount of principal in the account each day)
(1) Applicable to entire balance. Fees may reduce earnings

Penalty may be assessed for early withdrawal from Certificates of Deposit accounts

For the most current interest rate and annual percentage yield (APY)  information call any of our three offices listed on our Locations page