Current Rates

Rates Effective April 16, 2015
All Rates Subject to Change Without Notice.

FIXED RATE MORTGAGE LOANS:

Type Of Loan Rate Loan To Value Ratio APR PMI
30 yr. Conventional Fixed 3.750 up to 90% 3.750 No PMI
20 yr. Conventional Fixed 3.500 up to 90% 3.500 No PMI
15 yr. Conventional Fixed 3.125 up to 90% 3.125 No PMI
10 yr. Conventional Fixed 2.875 90% or less 2.875 N/A
8 yr. Conventional Fixed 2.875 90% or less 2.875 N/A
6 yr. Conventional Fixed 2.875 90% or less 2.875 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 3.750% (3.750% APR) and a minimum down payment of 20%, the principal and interest payment would be $463.12 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 Anthony Merrow (NMLS #641982) at 315-391-8521 OR Eric Morgan  (NMLS #38323) at 315-427-1883

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 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 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 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:

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:

Rates Effective April 16, 2015

All Rates Subject to Change Without Notice.

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 0.20%(1) 0.20%(1)
$75,000.00 $149,999.99 0.25%(1) 0.25%(1)
$150,000.00  Or Greater 0.30%(1) 0.30%(1)
6 month CD $500.00 $500.00 0.25% 0.25%
12 month CD $500.00 $500.00 0.55% 0.55%
13 month CD $500.00 $500.00 0.80% 0.80%
18 month CD $500.00 $500.00 0.90% 0.90%
24 month CD $500.00 $500.00 0.70% 0.70%
36 month CD $500.00 $500.00 0.90% 0.90%
48 month CD $500.00 $500.00 1.59% 1.60%
60 month CD $500.00 $500.00 1.74% 1.75%

*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.