Rates subject to change without notice. Credit restrictions apply. Rates effective as of 1/21/25.
Contact Us for More Information
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Rates subject to change without notice. Credit restrictions apply. Rates effective as of 1/21/25.
Contact Us for More Information
Rate as Low As | Available Terms |
---|---|
5.750% | 7 Years |
6.000% | 10 Years |
6.250% | 15 Years |
6.500% | 20 Years |
6.750% | 30 Years |
Loan Application Mortgage Calculator
1st Lien Purchase, Refinance, Owner-Occupied, Primary Residence
Min. $30,000, Max. $806,500
Up to 95% of appraised value, Points options available,
Has Closing Costs, $894 Application Fee (includes credit report and appraisal; amount based on Onondaga County - fees for other counties may differ)
Rate as Low As | Available Terms |
---|---|
5.750% | 7 Years |
6.000% | 10 Years |
6.250% | 15 Years |
6.500% | 20 Years |
6.750% | 30 Years |
Loan Application Mortgage Calculator
1st Lien Purchase, Refinance, Owner-Occupied, Primary Residence
Min. $30,000, Max. $806,500
Up to 95% of appraised value, Points options available
Has Closing Costs, $894 Application Fee (includes credit report and appraisal; amount based on Onondaga County - fees for other counties may differ)
Rate as Low As | Available Terms |
---|---|
6.750% | Up to 20 Years |
Loan Application Mortgage Calculator
1st Lien Owner-Occupied, No Investment Property. Minimum $30,000
Points options available. Has Closing Costs, 90% off appraisal,
$894 Application Fee (includes credit report and appraisal; amount based on Onondaga County - fees for other counties may differ)
Fixed, Adjustable Rate & Bi-Weekly Available
Contact (315) 638-7061 for details.
1st Lien Purchase, Refinance, Owner-Occupied, Primary Residence
Min. $806,501. Max. $1,209,750
Up to 95% of appraised value
Points options available, Has Closing Costs
Rate as Low As | Available Terms |
---|---|
6.250% | 7 Years |
6.500% | 10 Years |
6.750% | 15 Years |
7.000% | 20 Years |
7.250% |
30 Years |
Contact (315) 638-7061 for details. Certain Conditions apply.
Take an additional 0.25% OFF Home Equity rates listed with one of the following (maximum discount 0.25%):
*Rate discount excludes Mortgage Loans, Share Secured Loans, Credit Cards and Lines of Credit Loans.
Rate as Low as | Available Terms |
---|---|
6.00% | 1-5 Years |
6.50% | 7 Years |
6.50% | 10 Years |
7.00% | 15 Years |
Loan Application Debt Consolidation Calculator
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
*See 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.
Rates listed required one of the following (otherwise add 0.25%): A SECNY Checking Account with Direct Deposit & Automatic Payments OR you are a Save2Earn Account Holder. Funds advanced from a Home Equity Line of Credit with SECNY cannot be used to open a Certificate of Deposit at SECNY.
Rate as Low As | Available Terms |
---|---|
2.99%* | 180 Mos. |
Loan Application Debt Consolidation Calculator
*Introductory Rate (in effect for 1st year) 10 Year Draw Period with 15 Year Repayment Term. Regular Rate is variable based on Prime Rate (as published in the Wall Street Journal). Current Prime Rate is 7.50%. Rate subject to change annually on the anniversary date of the loan.
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 Application Fee (refunded at closing).
**See 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 |
---|---|
8.50% | 1-5 Years |
9.00% | 7 Years |
9.50% | 10 Years |
9.75% |
15 Years |
Loan Application Debt Consolidation Calculator
Owner Occupied - 1st or 2nd Lien Only. Loans from $10,000-$150,000
Maximum loan amount not to exceed 75% 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 Application Fee (refunded at closing).
Rate as Low As | Available Terms |
---|---|
5.50% | Up to 36 months |
6.00% | 48 - 60 months |
6.50% | 72 - 84 months |
7.00% | 96 months |
7.25% | 120 months |
Loan Application Payment Calculator
Maximum $50,000. Copy of deed required. Work Estimate.
UCC1 Filed - FEE WAIVED as GREEN ADVANTAGE
Maximum two loan recalculations done when State and Federal rebates applied to principal as a GREEN ADVANTAGE* See Loan officer for more details.
Rate as Low As | Available Terms |
---|---|
8.00% | 1 - 12 months |
8.00% | 24 months |
8.00% | 36 months |
8.25% | 48 months |
8.25% | 60 months |
8.50% | 72 months |
8.50% | 84 months |
Loan Application Payment Calculator
Maximum $40,000. Copy of deed required. Work Estimate. UCC1 Filed.
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