Federal Deposit Insurance Corporation

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Loan Rates

 Rates effective as of November 3, 2025

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Adjustable Rate Mortgage Rates

Product

Interest Rate

Annual Percentage Rate (APR)*

Monthly Payment per $1000

Monthly Principal & Interest Payments Based on a $100,000 Loan

1/1/30 ARM

5.000%

6.418%

$5.37 (first 12 monthly payments)

12 payments of $536.82 then 348 payments of $629.78 at a rate of 6.500% based on current index and margin

3/3/30 ARM

5.125%

6.118%

$5.44 (first 36 monthly payments)

36 payments of $544.49 then 324 payments of $618.08 at a rate of 6.375% based on current index and margin

5/1/30 ARM

5.375%

6.121%

$5.60 (first 60 monthly payments)

60 payments of $559.97 then 300 payments of $623.26 at a rate of 6.500% based on current index and margin

5/5/30 ARM

5.750%

6.267%

$5.84 (first 60 monthly payments)

60 payments of $583.27 then 300 payments of $626.34 at a rate of 6.500% based on current index and margin

7/1/30 ARM

5.875%

6.243%

$5.92 (first 84 monthly payments)

84 payments of $591.54 then 276 payments of $625.23 at a rate of 6.500% based on current index and margin

10/1/30 ARM

6.000%

6.236%

$6.00 (first 120 monthly payments)

120 payments of $599.55 then 240 payments of $623.94 at a rate of 6.500% based on current index and margin

APR* = Annual Percentage Rate

  • Effective Date: November 3, 2025

  • APR’s quoted are based on a $100,000 loan for a 1-family, owner occupied dwelling with a 20% down payment
  • Minimum Down Payment requirement is 5%. Loans with less than 20% down will require Private Mortgage Insurance
  • Condominoms and Townhomes will require a minimum of 20% down
  • Payment amounts shown are for principal and interest only and do not include required escrows for taxes and insurance, which, if applicable, will make your payment obligation greater
  • Maximum loan amount is $806,500 for a 1-family dwelling. Maximums higher for 2-4 family dwellings - call for details.
  • Call for information on Jumbo Rates and Rates on non-owner occupied properties
  • Adjustable Rate Mortgages are variable rates and the annual percentage rate may increase or decrease after the initial fixed period.
  • The renewal rate is based on an index plus a margin of 2.75% with 2.00% adjustment caps and a 6.00% lifetime cap
  • Current Index: 1/1 ARM, 5/1 ARM, 7/1 ARM, 10/1 ARM = 1 year Treasury; 3/3 ARM = 3 year Treasury; 5/5 ARM = 5 year Treasury
  • APRs based on the following index values: 1 Year Treasury Index - 3.70% 3 Year Treasury Index - 3.60% 5 Year Treasury Index - 3.70%
  • All loans are subject to full underwriting review. Not all applicants will qualify. This is not a commitment to lend or a guarantee of an approval.
  • Rates stated are subject to change at any time without notice
  • Other terms and conditions may apply

Fixed Rate Mortgage Rates

Product

Interest Rate

Annual Percentage Rate (APR)*

Monthly Payment per $1,000

Monthly Principal & Interest Payments Based on $100,000 Loan

10 Year Fixed Rate

5.750%

5.903%

$10.98

120 equal and consecutive monthly payments of $1,097.69

15 Year Fixed Rate

6.000%

6.109%

$8.44

180 equal and consecutive monthly payments of $843.86

20 Year Fixed Rate

6.375%

6.463%

$7.38

240 equal and consecutive monthly payments of $738.23

30 Year Fixed Rate

6.500%

6.568%

$6.32

360 equal and consecutive monthly payments of $632.07

APR* = Annual Percentage Rate

  • Effective Date:  November 3, 2025

  • APR’s quoted are based on a $100,000 loan for a 1-family, owner occupied dwelling with a 20% down payment

  • Minimum Down Payment requirement is 5%. Loans with less than 20% down will require Private Mortgage Insurance

  • Condominoms and Townhomes will require a minimum of 20% down

  • Payment amounts shown are for principal and interest only and do not include required escrows for taxes and insurance, which, if applicable, will make your payment obligation greater

  • Maximum loan amount is $806,500 for a 1-family dwelling. Maximums higher for 2-4 family dwellings - call for details.

  • Call for information on Jumbo Rates and Rates on non-owner occupied properties

  • All loans are subject to full underwriting review. Not all applicants will qualify. This is not a commitment to lend or a guarantee of an approval.

  • Rates stated are subject to change at any time without notice

  • Other terms and conditions may apply

Home Equity Loan Rates

Product

Interest Rate

Annual Percentage Rate (APR)*

Monthly Payment per $1,000

Monthly Principal & Interest Payments
Based on a $10,000 Loan

5 Year Fixed Rate

6.000%

6.000%

$19.33

60 equal and consecutive monthly payments of $193.33

10 Year Fixed Rate

6.250%

6.250%

$11.23

120 equal and consecutive monthly payments of $112.28

15 Year Fixed Rate

6.500%

6.500%

$8.71

180 equal and consecutive monthly payments of $87.11

20 Year Fixed Rate

7.000%

7.000%

$7.75

240 equal and consecutive monthly payments of $77.53

5/5/20 ARM

5.750%

5.998%

$7.02 (first 60 monthly payments)

Based on a $100,000 Loan  -  60 payments of $702.08 then 180 payments of $724.92 at a rate of 6.250% based on current index and margin **

APR* = Annual Percentage Rate
** ARM = Adjustable Rate Mortgage Loan has a variable rate and the annual percentage rate may increase or decrease after the initial fixed period. The renewal rate is based on an index plus a margin of 2.50% with 2.00% adjustment caps and a 6.00% lifetime cap.                                                                                                  APR based on the following index value:  5 Year Treasury Index - 3.70%

  • Effective Date:  November 3, 2025
  • Available for 1 to 4 family, owner occupied, New Jersey dwellings only
  • Minimum Loan Amount is $5,000
  • First Lien loans or loans where Schuyler Savings holds the first mortgage – Maximum Loan Amount is $500,000 and Maximum CLTV is 80%
  • Second Lien loans – Maximum Loan Amount is $300,000 and Maximum CLTV is 70%
  • Payment amounts shown are for principal and interest only and do not include property taxes or insurance
  • No Application Fee
  • Appraisal fees may apply for lines over $250,000
  • Mortgage Recording Fee Payable at Closing
  • Homeowner’s property insurance is required; flood insurance may be required
  • All lines are subject to credit approval
  • Rates stated are subject to change at any time without notice
  • Other terms and conditions may apply

Home Equity Line of Credit Rates

Introductory Rate – Fixed First 6 months

Thereafter, Prime minus 0.50%

Draw Period

Repayment Period

Total Term

4.99% APR*

Currently 6.500% APR*
 

minimum APR of 4.00% (floor)

10 years

20 years

30 years

APR* = Annual Percentage Rate

  • Effective Date: November 3, 2025
  • Variable APR based on the Wall Street Journal Prime Rate (currently 7.00%) with a minimum APR of 4.00% and a maximum APR of 16.00%.
  • Available for 1 to 4 family, owner occupied, New Jersey dwellings only
  • Minimum Loan Amount is $5,000
  • First Lien loans or loans where Schuyler Savings holds the first mortgage – Maximum Loan Amount is $500,000 and Maximum CLTV is 80%
  • Second Lien loans – Maximum Loan Amount is $300,000 and Maximum CLTV is 70%
  • No Application Fee or Annual Fee
  • Appraisal fees may apply for lines over $250,000
  • Mortgage Recording Fee Payable at Closing
  • Homeowner’s property insurance is required; flood insurance may be required
  • All lines are subject to credit approval
  • Rates stated are subject to change at any time without notice
  • Other terms and conditions may apply