Mortgage Rates - The Adirondack Trust Company
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Mortgage Rates

Check out our latest mortgage rates for 30-year fixed, 15-year fixed, 10/1 Adjustable (ARM) and 5/1 Adjustable (ARM) loans, as well as rates for home equity loans and lines of credit.

Rates are accurate as of: September 23, 2021

Mortgage Rates

TYPE TERM (YEARS) MAXIMUM LOAN TO VALUE POINTS RATE APR MONTHLY PAYMENT PER $1000 BORROWED  
*FIXED 30 YEARS 97% 0% 2.875% 2.98% $4.15 Apply
*FIXED 15 YEARS 97% 0% 2.375% 2.57% $6.61 Apply
*5/1 ARM ADJUSTABLE 30 YEARS 80% 0% 3.75% 3.16% 60 PAYMENTS OF $4.63 AT AN INTEREST RATE OF 3.750%

299 PAYMENTS OF $4.27 AT AN INTEREST RATE OF 3.000%

1 PAYMENT OF $4.28 AT AN INTEREST RATE OF 3.000%
Apply
*10/1 ARM ADJUSTABLE 30 YEARS 80% 0% 2.625% 2.79% 120 PAYMENTS OF $4.02 AT AN INTEREST RATE OF 2.625%

239 PAYMENTS OF $4.11 AT AN INTEREST RATE OF 2.880%

1 PAYMENT OF $4.12 AT AN INTEREST RATE OF 2.880%
Apply

Maximum loan amount: $417,000
*The Annual Percentage Rate (APR) is subject to change without notice. The APR is based upon an 80% loan-to-value ratio and a sample loan amount of $200,000. All loans are subject to application and approval. The monthly payment does not reflect amounts to be paid into escrow, such as insurance or taxes, and the actual payment obligation will be greater. Property insurance is required. Adjustable Rate Mortgages (ARMs) are subject to rate changes after the loan has closed. The 5/1 ARM and 10/1 ARM interest rates are subject to increase at the end of the 5-year and 10-year fixed rate periods, respectively. Your interest rate may be adjusted annually thereafter and will be based on an index plus a margin. The interest rate will be based on the weekly average yield of the United States Treasury securities adjusted to a constant maturity of 1 year (your index), plus our margin. These rates depend on your individual credit history, specific loan transaction and may change or not be available at commitment or closing. The loan pricing (rate and points) may only be locked in by the mortgage department upon approval.


Home Equity Rates

TYPE TERM (YEARS) MAXIMUM LOAN TO VALUE APR MONTHLY PAYMENT PER $1,000 BORROWED  
Fixed Loan* 5 80% 3.99% $18.41 Apply
Fixed Loan* 10 80% 4.75% $10.48 Apply
Fixed Loan* 15 80% 5.75% $8.30 Apply
Line of Credit* 15-year interest-only draw period, 30-year total term 80% 2.99%** - 12 Month
Introductory Rate

3.25% - after 12
Months, Prime Rate - Variable
Payments vary based on outstanding amount Apply

DISCLOSURES:
* NEW HOME EQUITY CUSTOMERS ONLY: The Home Equity Line and Loan is for an 80% Loan to Value. The initial rate of a Home Equity Line of Credit is 2.99% APR for 12 months and is accurate as of 2/26/20. Thereafter variable rate with the Annual Percentage Rate (APR) calculated by adding 0% to the highest Prime Rate published by the Wall Street Journal, currently 3.25% APR.

This limited-time offer is available on loans of $7,500 or more, but less than $250,000 and is subject to change without notice. The maximum amount of the Home Equity Line/Loan based on the value of your property is determined by multiplying 80% of the appraised value of the property minus any outstanding mortgage loan amounts. Property insurance is required, which includes, if required, flood insurance. The Home Equity Line of Credit annual percentage rate cap is 24.99%. Rates may change or not be available at commitment or closing. Other terms and conditions may apply. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with the Agreement.

All closing costs are waived on the condition that the Home Equity Line/Loan remains open for three years. (If the Bank attorneys require Title Insurance, you will pay the cost.) Should the Home Equity Line/Loan close prior to three years, all closing costs previously waived would be collected, estimated to range between $565 – $3,190 for Home Equity Lines of Credit up to $250,000.

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