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Loan Rates

APY = Annual Percentage Yield. Rates effective as of March 17, 2015. Fees may reduce earnings.

Mortgage Rates

Program Name Rate APR Payment
15 YR FRM (15 Yr) 3.375% 3.480% $1,063.14
Conventional (30 Yr) 4.125% 4.190% $726.97
5 YR ARM (30 Yr) 3.780% 5.756% $697.23
VA Loan (30 Yr) 3.375% 3.601% $663.14
Rural Devel (30 Yr) 4.742% 5.213% $781.75

Payment calculations are based on Sale Amount: $187,500, 20% Down, $150,000 Loan Amount (Term indicated in product name). Rates are subject to change without notice.

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 & 2014 66 Mo MAX 3.95% $253.23 4.50% $256.98 9.45% $292.30
2013 & 2012 66 Mo 3.95% $253.23 4.50% $256.98 9.95% $296.02
2011 & Older 48 Mo 3.95% $338.35 4.50% $342.05 10.45% $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 YearTermCredit Score 740+Sample PaymentCredit Score 700 - 739Sample PaymentCredit Score 699 or lessSample Payment
2015 and 2014 66 Mo 5.95% $142.42 6.95% $146.20 9.45% $155.89
2013 and 2012 66 Mo 5.95% $142.42 6.95% $146.20 9.95% $157.88
2011 and Older 48 Mo 5.95% $187.70 6.95% $191.38 10.45% $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
5 8.90%
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 - $100,000 Introductory 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*
1-5 4.75% $937.85
6-10 5.25% $536.46
11-15 5.50% $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 March 9, 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 & Over 8.50% 5 Years $61.55 Sample Payment based on $3,000 Loan
Used: $3,000 & Over 9.50% 3 Years $96.10 Sample Payment based on $3,000
New/Used Under $3,000 13.90% 3 Years $85.32 Sample 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-Container Motor Homes)

Amount740 Plus Credit Score700-739 Credit Score699 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
Secured 12% 5 Years $102.58 Payment based on $5,000 Loan
Unsecured (Under $2,500) 17% 5 Years $189.20 Payment based on$2,500 Loan
Unsecured (Over $2,500) 14.25% 5 Years $103.79 Payment 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 Deposit 2% + Current Rate Earned None

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.