Serving Everyone in Central New York

Mortgage Rates


Home Equity Fixed

Principle Residence Only, 1st or 2nd Lien Only
Loans from $10,000 to $150,000*
Maximum loan amount not to exceed 90% of appraised value
No Closing Costs**-$300.00 due at application and refunded at closing
*See Kristy or Ellen for loan requests above $150,000
**All fees paid in conjunction with the loan are subject to recapture if the loan is closed within three years.


Rate as low as: Available Terms
3.25% 1-3 Years
3.25% 5 Years
3.50% 7 Years
4.00% 10 Years
4.25% 15 Years

Home Equity Line of Credit

*Introductory Rate 10 Year Draw Period with 15 Year Repayment Term
Primary Residence Only 1st or 2nd Lien Only Loans from $10,000 to $150,000**
Maximum loan amount not to exceed 90% of appraised value
No Closing Costs***-$300.00 due at application and refunded at closing
*Regular Rate is variable based on Prime Rate (as published in the Wall Street Journal).
Rate subject to change annually on the anniversary date of the loan.

*Current Prime Rate is 4.00%
**See Kristy or Ellen for loan requests above $150,000
***All fees paid in conjunction with the loan are subject to recapture if the loan is closed within three years


Rate as low as: Available Terms
2.50% 15 Years

Home Equity for Vacation Property

Owner-Occupied, 1st or 2nd Lien Only
Loans from $10,000-$150,000
Maximum loan amount not to exceed 80% of appraised value
No Closing Costs-All fees paid in conjunction with the loan are subject to recapture if the loan is closed within three years.
$300.00 due at application and refunded at closing


Rate as low as: Available Terms
8.00% 1-3 Years
8.25% 5 Years
8.50% 7 Years
9.00% 10 Years
9.50% 15 Years

Home Mortgages - 1st Lien

Purchase, Refinance, Owner-Occupied
Min. $30,000, Max. $424,100
Up to 95% of appraised value
No Points, Has Closing Costs
$486 application fee


Rate as low as: Available Terms
3.125% 7 Years
3.125% 10 Years
3.375% 15 Years
4.000% 20 Years
4.375% 30 Years

Bi-Weekly Home Mortgages

1st Lien Purchase, Refinance, Owner-Occupied, Primary Residence
Min. $30,000, Max. $424,100
Up to 95% of appraised value
No Points, Has Closing Costs, $486 Application Fee


Rate as low as: Available Terms
3.125% 7 Years
3.125% 10 Years
3.375% 15 Years
4.000% 20 Years
4.375% 30 Years

Mortgages for Vacation Property

1st Lien - Owner Occupied - No Investment Property - Minimum $30,000 - maximum $300,000 - No Points - Has Closing Costs - 75% of appraisal - $486 application fee


Rate as low as: Available Terms
5.000% Up to 15 Years

Home Improvement Loan

Maximum $25,000 - Copy of deed required - Work estimate UCC1 Filed


Rate as low as: Available Terms
6.75% 1-12 months
6.75% 24 months
6.75% 36 months
7.00% 48 months
7.00% 60 months
7.25% 72 months
7.25% 84 months

Mortgage Calculator

All values must be numeric (numbers and decimals only)

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