Ehl Fdic

255 Main Street Massena, NY 13662
Phone: 315.764.0541, Fax: 315.769.6542
155 Lincoln Avenue P.O. Box 780 Waddington, NY 13694
Phone: 315.388.4970, Fax: 315.388.4973

Loan Rates - Last Updated: 3 December 2018
Conventional Real Estate Mortgages
Account Type Rate/APR Points Loan to Value % Max Term Index Caps
3 Year ARM 4.50% 0 Res 85% 25 yrs National Average Life: Max+6%, Min4.0%
3 Year ARM 7.50% 0 Rental 70% Mtg. Contract Rate Life: Max+6%, Min5%
5 Year ARM 4.50% 0 Res 85% 25 yrs National Average Life: Max+6%, Min4.0%
5 Year ARM 7.75% 0 Rental 70% Mtg. Contract Rate Life: Max+6%, Min5%
Fixed Rate 5.25% 0 Res 85% 15 yrs
Fixed Rate 8.00% 0 Rental 70% 15 yrs
Fixed Rate 5.75% 0 Res 85% 20 yrs
Fixed Rate 8.50% 0 Rental 70% 20 yrs
Fixed Rate 5.90% 0 Res 85% 25 yrs
Fixed Rate 9.50% 0 Rental 70% 25 yrs
Home Equity Lines of Credit
Account Type Rate/APR Points Loan to Value % Max Term Index Caps
HELC % 0 85% 5 yr Renewable Prime+ 1.50 Life: Max+6%, Min4%
Consumer Loans
Account Type Rate/APR Points Loan to Value % Max Term Index Caps
Home Improvement 9.00% Sec 100% 10 yrs Max 20,000
Home Improvement 14.00% Unsec 100% 10 yrs Max 20,000
Auto - New 3.50% Sec 100% of INV OR NADA RETAIL 6 yrs 2018 - 2016
Auto - Used 5.50% Sec 100% of INV OR NADA RETAIL 5 yrs 2015 - 2013
Auto - Used 6.75% Sec 100% of INV OR NADA RETAIL 4 yrs 2012 - Older
Other 6.50% Sec 100% 7-9 yrs
Other 7.00% Sec 100% 10-12 yrs
Other 7.50% Sec 100% 13-15 yrs
Other 12.00% Unsec 5 yrs
Fixed Deposit 4.5% Sec 90% 1-10 yrs
Closing Costs (Estimated)
Loan Origination Fee 400
Points N/A
Cert. Appraisal Fee 400
Escrow Deposit
Attorneys Fees
Abstract Fees
Title Insurance Optional
Recording Fees
Mortgage Tax
Survey Optional
HELC / HELC INC. 400 + Mtg Tax
  • * Of appraised value or sale price, whichever is less.
  • ** Annual percentage rate same as interest rate.
  • **Rate/APR will be determined by credit score. (see below).
  • Tier 1 (score 700 - above) see rates above
  • Tier 2 (score 650 - 699) add 1% to rates above
  • Tier 3 (score 649 - below) add 3% to rates above
  • (Joint applicants will be based on higher score.)