| Product |
Interest Rate |
Points |
APR* |
Monthly Payment per $1,000 |
| 30 Year Fixed |
6.125% |
0 |
6.266% |
$6.08 |
| 30 Year Fixed |
5.875% |
1.000 |
6.107% |
$5.92 |
| 20 Year Fixed |
6.000% |
0 |
6.184% |
$7.16 |
| 15 Year Fixed |
5.875% |
0 |
6.104% |
$8.37 |
| 10 Year Fixed |
6.500% |
0 |
6.840% |
$11.35 |
| FHA |
5.625% |
0 |
6.679% |
$5.76 |
| VA |
5.750% |
0 |
6.024% |
$5.84 |
| SONYMA |
5.375% |
0 |
5.456% |
$5.60 |
ARM^-10 Year Fixed/
1 Year Adjustable o |
6.875% |
0 |
6.994%** |
$6.571 |
ARM^-7 Year Fixed/
1 Year Adjustable o |
6.750% |
0 |
6.901%** |
$6.492 |
ARM^-5 Year Fixed/
1 Year Adjustable o |
6.625% |
0 |
6.774%** |
$6.403 |
ARM^-3 Year Fixed/
1 Year Adjustable o |
6.625% |
0 |
6.774%** |
$6.404 |
Rates Updated 10/2/2024
*APR = Annual Percentage Rate. Payments do not include amounts for applicable taxes and insurance premiums. Actual monthly payments will be greater.
^ARM = Adjusted Rate Mortgage. 30-Year Term.
** The APR for 10-Yr Fixed / 1-Yr Adjustable, 7-Yr Fixed / 1-Yr Adjustable, 5-Yr Fixed / 1-Yr Adjustable, and 3-Yr Fixed / 1-Yr Adjustable mortgage products may be increased during the loan term.
o Current 1-Year ARM is 7.000%. The initial rate will be the floor rate. The first adjusted payment is based on a current index, plus a margin, subject to the floor rate and annual and lifetime adjustment caps.
1 Fixed for 10 years and may increase thereafter.
2 Fixed for 7 years and may increase thereafter.
3 Fixed for 5 years and may increase thereafter.
4 Fixed for 3 years and may increase thereafter.
Rates subject to change. Loans are subject to credit approval. Other conditions may apply. Ulster Savings Bank cannot be held responsible for online calculator errors.
Fair Lending / Fair Housing Statement
Ulster Savings Bank is committed to making high quality banking and credit services available to all applicants consistently and in compliance with fair lending and fair housing laws and within the confines of safe and sound banking practices. Ulster Savings Bank believes that its commitment to fair lending and fair housing is a good business practice as well as a basic responsibility of the company. The Bank's success at serving a wide range of consumer and business customers is essential to the economic welfare of the community in which it conducts business and to the continued growth and vitality of the company.