Schuyler Savings Bank

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

Loan Rates

 Rates effective as of September 25, 2026

DEPARTMENT HOURS

Monday to Friday 9:00 am to 5:00 pm

PLEASE SEND ANY QUESTIONS RELATING TO YOUR APPLICATION  TO LOANS@SCHUYLERSAVINGS.COM 

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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

4.990%

6.974%

$5.36 (first 12 monthly payments)

12 payments of $536.21 then 12 payments of $661.54 at a rate of 6.990% then 336 payments of $670.22 at a rate of 7.125% based on current index and margin

3/3/30 ARM

5.500%

7.041%

$5.68 (first 36 monthly payments)

36 payments of $567.79 then 324 payments of $689.93 at a rate of 7.500% based on current index and margin

5/1/30 ARM

5.625%

6.597%

$5.76 (first 60 monthly payments)

60 payments of $575.66 then 300 payments at $661.97 at a rate of 7.125%  based on current index and margin

5/5/30 ARM

6.000%

7.037%

$6.00 (first 60 monthly payments)

60 payments of $599.55 then 300 payments of $695.25 at a rate of 7.625% based on current index and margin

7/1/30 ARM

6.125%

6.679%

$6.08 (first 84 monthly payments)

84 payments of $607.61 then 276 payments of $662.76 at a rate of 7.125% based on current index and margin

10/1/30 ARM

6.250%

6.618%

$6.16 (first 120 monthly payments)

120 payments of $615.72 then 240 payments of $659.43 at a rate of 7.125% based on current index and margin

APR* = Annual Percentage Rate

  • Effective Date: September 25, 2026

  • 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 $832,750 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 - 4.43% 3 Year Treasury Index - 4.81% 5 Year Treasury Index - 4.83%

  • 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

5.875%

6.050%

$11.04

120 equal and consecutive monthly payments of $1,103.94

15 Year Fixed Rate

6.250%

6.376%

$8.57

180 equal and consecutive monthly payments of $857.42

20 Year Fixed Rate

6.625%

6.727%

$7.53

240 equal and consecutive monthly payments of $752.95

30 Year Fixed Rate

6.750%

6.828%

$6.49

360 equal and consecutive monthly payments of $648.60

APR* = Annual Percentage Rate

  • Effective Date: September 25, 2026

  • 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 $832,750 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

5.875%

5.875%

$19.27

60 equal and consecutive monthly payments of $192.75

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

6.750%

6.750%

$7.60

240 equal and consecutive monthly payments of $76.04

5/5/20 ARM

5.750%

6.548%

$7.02 (first 60 monthly payments)

Based on a $100,000 Loan  -  60 payments of $702.08 then 180 payments of $777.77 at a rate of 7.375% 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 - 4.83%

  • Effective Date: September 25, 2026
  • 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: September 25,  2026

  • 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