Skip to Content


Mortgage Loan Interest Rates

Rates as of March 21, 2023

To learn more about our other mortgage options, including no-closing costs^ and additional terms, please contact our lenders at:

  • Mary Beth Uebrick: (518) 742-6240
  • Kelly Bailey: (518) 708-9944

Get a free quick quote below!




  • Loans subject to credit approval
  • Interest rates and programs are subject to change without notice

*Credit scores are based on information collected by credit bureaus and information reported each month by your creditors about the balances you owe and the timing of your payments. A credit score is a compilation of all this information converted into a number that helps a lender to determine the likelihood that you will repay the loan on schedule. The credit score is calculated by the credit bureau, not by the lender. Credit scores are calculated by comparing your credit history with millions of other consumers. 

**APR = Annual Percentage Rate. The APR represents the maximum amount that may be charged in a year.

^No closing costs means no:  origination fees/points, application fees, flood-check fees, credit-report fees, appraisal fees, mortgage-recording fees, title search fees, lender title insurance fees, bank-attorney fees and mortgage-recording tax.  Valid on primary residence or second home, 1-4 family residential properties only.  Valid on 10 and 15-year terms only. Private Mortgage Insurance (PMI) is required on loans with less than 20% down payment.  You will be required to reimburse the Bank fees paid to third parties that were waived as part of the no-closing cost mortgage if it is closed or discharged within the first three (3) years after the opening date.  The Bank will not pay for a survey, nor any other item that is ordinarily paid for by the seller.  Refinances of an existing Chemung Canal/Capital Bank mortgage requires $50,000 in new money.

There is no minimum period for repayment and the maximum period for repayment is equal to the agreed upon term.