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Mortgage/Loan Rates

All loan interest rates are accurate as of today and are subject to change without notice.

 

FIRST TIME HOME BUYERS

We offer special products to our First Time Home Buyers looking for a Fixed or Adjustable Rate Mortgage.  For more information or to speak with one of our loan officers, give us a call at (315) 836-8440.  We'll be happy to help you.

 

We service our mortgages in-house.  That means it stays right here with us.  And we truly believe that means a better loan experience for you.  You can find a complete list of all of our mortgage and loan products in the section below.

 

MORTGAGES

FIXED RATE MORTGAGES

TERM INTEREST RATE APR *
30 yrs. 4.375% 4.423%
20 yrs. 4.000% 4.065%
15 yrs. 3.750% 3.833%
10 yrs. 3.625% 3.744%
 
For all your mortgage needs please visit our MORTGAGE LENDING CENTER

Calculate Your Payment
Pre-Qualify
Apply For A Mortgage
View Our Mortgage Checklist
Check Your Loan Status

* APR = Annual Percentage Rate

Click here for payment example and information on this loan.

Click here for a complete listing of our Mortgage Loan Originators

ADJUSTABLE RATE MORTGAGES

MORTGAGE TERM INTEREST RATE APR *
5/1 Year ARM 4.000% 4.046%
5/5 Year ARM 4.250% 4.302%
 
For all your mortgage needs please visit our MORTGAGE LENDING CENTER

Calculate Your Payment
Pre-Qualify
Apply For A Mortgage
View Our Mortgage Checklist
Check Your Loan Status

* APR = Annual Percentage Rate

Click here for payment example and information on this loan.

Click here for a complete listing of our Mortgage Loan Originators

NO CLOSING COST ADJUSTABLE RATE MORTGAGE

MORTGAGE TERM INTEREST RATE APR *
5/1 Year ARM 5.000% 4.999%
5/5 Year ARM 5.250% 5.249%
 
For all your mortgage needs please visit our MORTGAGE LENDING CENTER

Calculate Your Payment
Pre-Qualify
Apply For A Mortgage
View Our Mortgage Checklist
Check Your Loan Status

* APR = Annual Percentage Rate

Click here for payment example and information on this loan.

Click here for a complete listing of our Mortgage Loan Originators

HOME EQUITY LOANS & LINES
LIMITED TIME SPECIAL LOW RATE

NO CLOSING COST HOME EQUITY LINE OF CREDIT

LOAN
TERM
INTEREST
RATE
LOAN
AMOUNT
APPLY
NOW
CALCULATE
PAYMENT
5 - 20 Years 2.75% APR Fixed for the first 3 years, then Prime + 0.00% thereafter (2.75% with account relationship ONLY) $15,000.00 - $300,000.00 Application Calculators
5 - 20 Years 3.49% APR Fixed for the first 3 years, then Prime + 0.00% thereafter $15,000.00 - $300,000.00 Application Calculators

* APR = Annual Percentage Rate

Click here for payment example and information on this loan.

Click here for a complete listing of our Mortgage Loan Originators

 

NO CLOSING COST HOME EQUITY LOAN

LOAN
TERM
INTEREST
RATE
LOAN
AMOUNT
APPLY
NOW
CALCULATE
PAYMENT
5
Years
2.99% APR Fixed for 5 Years $15,000 - $50,000.00 Application Calculators

Click here for payment example and information on this loan.

Click here for a complete listing of our Mortgage Loan Originators.

PERSONAL LOANS

PERSONAL LOANS - SECURED

TERM SECURED INTEREST RATE APR * LOAN AMOUNT APPLY NOW CALCULATE PAYMENT
1 - 36 months 7.750% 7.741% $1,000.00 - $50,000.00 Application Calculators
37-60 months 8.500% 8.497% $1,000.00 - $50,000.00 Application Calculators

 * APR = Annual Percentage Rate

Click here for payment example and information on this loan.

PERSONAL LOANS - UNSECURED

TERM UNSECURED INTEREST RATE APR * LOAN AMOUNT APPLY NOW CALCULATE PAYMENT
1 - 36 months 8.750% 8.739% $1,000.00 - $25,000.00 Application Calculators
37-60 months 9.500% 9.496% $1,000.00 - $25,000.00 Application Calculators

 * APR = Annual Percentage Rate

Click here for payment example and information on this loan.

PROPERTY IMPROVEMENT LOANS

PROPERTY IMPROVEMENT LOAN - SECURED

TERM SECURED INTEREST RATE APR * LOAN AMOUNT APPLY NOW CALCULATE PAYMENT
1 - 36 months 7.250% 7.241% $1,000.00 - $25,000.00 Application Calculators
37-60 months 8.250% 8.247% $1,000.00 - $25,000.00 Application Calculators

 * APR = Annual Percentage Rate

Click here for payment example and information on this loan.

PROPERTY IMPROVEMENT LOAN - UNSECURED

TERM UNSECURED INTEREST RATE APR * LOAN AMOUNT APPLY NOW CALCULATE PAYMENT
1 - 36 months 8.250% 8.240% $1,000.00 - $25,000.00 Application Calculators
37-60 months 9.250% 9.247% $1,000.00 - $25,000.00 Application Calculators

 * APR = Annual Percentage Rate

Click here for payment example and information on this loan.

AUTOMOBILE LOANS

AUTOMOBILE LOANS

Type of Vehicle Loan Term Interest Rate APR* Apply Now Calculate Payment
New Vehicles up to 66-Mos. 4.250% 4.249% Application Calculators
(Less than 2 model years old)          
           
Used Vehicles 60-Months 5.750% 5.748% Application Calculators
(3-4 model years old) 48-Months 5.500% 5.496% Application Calculators
  36-Months 5.250% 5.246% Application Calculators
           
Used Vehicles 12 - 36-Mos. 6.750% 6.745% Application Calculators
(Over 4 model years old)          


* APR = Annual Percentage Rate

Click here for payment example and information on this loan.