Mortgage Interest Rates
Monthly Fixed Mortgage Interest Rates
Rates as of December 14, 2018
| Term | Interest Rate | Points | APR* | Minimum Down |
|---|---|---|---|---|
| 10 | 4.250% | 0 | 4.49% | 5% |
| 10 | 4.125% | 1 | 4.58% | 5% |
| 10 | 4.000% | 2 | 4.67% | 5% |
| 10 | 3.875% | 3 | 4.77% | 5% |
| 15 | 4.250% | 0 | 4.41% | 5% |
| 15 | 4.125% | 1 | 4.44% | 5% |
| 15 | 4.000% | 2 | 4.47% | 5% |
| 15 | 3.875% | 3 | 4.50% | 5% |
| 20 | 4.500% | 0 | 4.63% | 5% |
| 20 | 4.375% | 1 | 4.62% | 5% |
| 20 | 4.250% | 2 | 4.62% | 5% |
| 20 | 4.125% | 3 | 4.61% | 5% |
| 30 | 4.750% | 0 | 4.85% | 5% |
| 30 | 4.625% | 1 | 4.81% | 5% |
| 30 | 4.500% | 2 | 4.77% | 5% |
| 30 | 4.375% | 3 | 4.73% | 5% |
Monthly Fixed Mortgage Loan Payment Examples (assume 0 points)
| Term (Years) | Amount Borrowed | Monthly Payment (not including Escrow or PMI) |
Total Loan & Interest |
|---|---|---|---|
| 10 | $50,000 | $512.19 | $61,462.80 |
| 15 | $50,000 | $376.14 | $67,705.20 |
| 20 | $50,000 | $316.32 | $75,916.80 |
| 30 | $50,000 | $260.82 | $93,895.20 |
*APR = Annual Percentage Rate
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $50,000 and an estimated property value of $62,500. Payments reflect the principle and interest only. The property is an existing single family home and will be used as a primary residence. These mortgage rates are based upon a variety of assumptions and conditions. Your loan’s interest rate will depend upon the specific characteristics of your loan transaction. Contact the Real Estate Lending Department for details.
Click here to access Adjustable-Rate Mortgage interest rates through our Online Mortgage and Home Equity Center.
- Interest rates subject to change without notice
- All loans subject to credit approval
- Private Mortgage Insurance (PMI) is required for loans with less than 20% down
For more information, please contact us at (607) 737-3815 or toll-free at (800) 836-3711 extension 3815.