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Mortgage Rates

Contact one of our mortgage consultants for the perfect loan product that fits your needs.

Construction Loans

Contact one of our mortgage consultants for the perfect loan product that fits your needs.

AUTO LOANS

Model YearTermCredit Score 740+Sample PaymentCredit Score 700 - 739Sample PaymentCredit Score 699 or lessSample Payment
2015 & 201466 Mo MAX3.95%$253.234.50%$256.989.45%$292.30
2013 & 201266 Mo3.95%$253.234.50%$256.989.95%$296.02
2011 & Older48 Mo3.95%$338.354.50%$342.0510.45%$383.69

Calculate your payment


*Sample payment based on $15,000 at the maximum term in each tier. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness and terms of loan.


Carthage Savings and Loan Association's Loan Rates are Current as of March 9, 2015 and are subject to change without notice.




Motorcycles

MODEL YEARCREDIT SCORESSample Payment
Max Term740 PlusSample Payment700-739Sample Payment699 or Less
2015 and 201466 Mo5.95%$142.426.95%$146.209.45%$155.89
2013 and 201266 Mo5.95%$142.426.95%$146.209.95%$157.88
2011 and Older48 Mo5.95%187.706.95%$191.3810.45%$204.63

Calculate your payment


*Sample payment based on $8,000 at the maximum term in each tier. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness and terms of loan. Carthage Savings and Loan Association's Loan Rates are current as of March 9, 2015 and are subject to change without notice.



Home Improvement

Term in YearsFixed RateSample Payment*
5 6.90%

Secured

296.31
58.90%

Unsecured

310.65

Calculate your payment


*Sample payment based upon $15,000 dollar loan and the term in each tier. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, loan to value of home and terms of the loan.


Carthage Savings and Loan Association's Loan Rates are Current as of March 9, 2015 and are subject to change without notice.




Home Equity Line of Credit

Credit LineVariable Rate*
$7,500 - $100,000Introductory Rate 1.99% through 12/31/15 Prime + 0 (Currently 3.25%) thereafter

Effective March 17, 2015



HEMLOC – *1.99% introductory APR (Annual Percentage Rate) through 12/31/15. APR will change to a variable rate of prime plus 0% as of 1/01/16. ***Prime is 3.25% as of 3/17/15.


Carthage Savings and Loan Association's rates are Current as of March 17, 2015 and are subject to change without notice. Loan page updates are processed as soon as possible after any loan rate change.


  • Valid on owner-occupied 1-4 family, (including vacation properties) to customer with marketable/insurance title to property securing the loan/line of credit. Home equity lines of credit are not available on Single Wide mobile homes, Double Wide home eligible if permanently attached to foundation. Property and hazard insurances are required and are the responsibility of borrower. Maximum loan/line of credit is 80% of (value as determined by Association) of property securing the accommodation less balance of the first mortgage.
  • Rate cap is 13.25%. You may at any time convert a portion of your line to a fixed rate for a specified period up to 10 years. You will need to contact the Association to determine your rate based upon terms requested.** No closing cost means the Association will pay normal closing fees including title search, appraisal, NYS mortgage tax and filing fees. Abstract of title must be provided by customer. These fees typically range from $200 to $750 plus NYS mortgage tax equal to ½ of 1% of the mortgage. Borrowers are responsible to reimburse Association if loan is paid off and mortgage discharged within 3 years of closing. All loans are subject to complete qualification of both the borrowers and subject property.

Contact our Loan Professionals today...


Carthage ...315-493-3480 Lori Snyder lsnyder@carthagesavings.com


Carthage ... 315-493-3480 Robert Sligar rsligar@carthagesavings.com


Watertown ... 315-779-9775 Heather Blair hblair@carthagesavings.com


Watertown ... 315-779-9775 Beth Augustus baugustus@carthagesavings.com


Watertown ... 315-779-9775 Michele Miller mmiller@carthagesavings.com


Clayton ... 315-686-4850 Pam Waterman pwaterman@carthagesavings.com


*Annual Percentage Rate

Home Equity Loans

Term in YearsFixed RateSample Payment*
1-54.75%$937.85
6-105.25%$536.46
11-155.50%$408.54

Calculate your payment


*Sample payment based upon $50,000 dollar loan and the longest term in each tier. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, loan to value of home and terms of the loan.


Carthage Savings and Loan's Loan Rates are Current as of July 17, 2015 and are subject to change without notice. This page will be updated as soon as possible after any loan rate change.




ATVs, Snowmobiles, Lawn Tractors, Jet Skies, Utility Trailers

AmountFixed RateMaximum TermSample Payment
New: $3,000 & Over8.50%5 Years$61.55Sample Payment based on $3,000 Loan
Used: $3,000 & Over9.50%3 Years$96.10Sample Payment based on $3,000
New/Used Under $3,00013.90%3 Years$85.32Sample Payment based on $2,500

Calculate your payment


The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness and terms of the loan.


Carthage Savings and Loan's Loan Rates are Current as of March 9, 2015 and are subject to change without notice. This page will be updated as soon as possible after any loan rate change.



Boats, Travel Trailers/RV's (Self-Contained Motor Homes)

Amount740 Plus

Credit Score

700-739

Credit Score

699 or Less

Credit Score

New: $10,000 & Over

Maximum Term: 10 Yrs

4.75%

Sample Payment: $104.85 Based on $10,000/10 yrs

7.00%

Sample Payment: $116.11 Based on $10,000/10 yrs

8.00%

Sample Payment: $121.33 Based on $10,000/10 yrs

New: Under $10,000

Maximum Term: 5 Yrs

5.75%

Sample Payment: $96.08 Based on $5,000/5 yrs

7.50%

Sample Payment: $100.19 Based on $5,000/5 yrs

8.50%

Sample Payment: $102.58 Based pm $5,000/5 yrs

Used: $10,000 & Over

Maximum Term: 5 Yrs

5.75%

Sample Payment: $192.17 Based on $10,000/5 yrs

8.00%

Sample Payment: $121.33 Based on $10,000/10 yrs

9.00%

Sample Payment: $129.40 Based on $10,000/10 yrs

Used: Under$10,000

Maximum Term: 5 Yrs

5.75%

Sample Payment: $96.08 Based on $5,000/5 yrs

8.50%

Sample Payment: $102.58 Based on $5,000/5 yrs

9.50%

Sample Payment: $103.79 Based on $5,000/5 yrs

Calculate your payment


The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness and terms of the loan.


Carthage Savings and Loan's Loan Rates are Current as of April 10, 2015 and are subject to change without notice. This page will be updated as soon as possible after any loan rate change.



Personal Loans

Fixed RateMaximum TermSample Payment
Secured12%5 Years$102.58Payment based on $5,000 Loan
Unsecured (Under $2,500)17%5 Years$189.20Payment based on$2,500 Loan
Unsecured (Over $2,500)14.25%5 Years$103.79Payment based on $5,000 Loan

Calculate your payment


The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness and terms of loan.


Carthage Savings and Loan's Loan Rates are Current as of March 9, 2015 and are subject to change without notice. This page will be updated as soon as possible after any loan rate change.



Deposit Secured Loans

AmountFixed RateMaximum Term
Up to Amount on Deposit2% + Current Rate EarnedNone

Calculate your payment


The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness and terms of the loan.


Carthage Savings and Loan's Loan Rates are Current as of March 18, 2014 and are subject to change without notice. This page will be updated as soon as possible after any loan rate change.