FHA Purchase & Refinance Rates
 
 
 
 
 Fixed Rate Mortgages Purchase & Refinance

Rates are for illustrative purposes only! For up-to-the minute rates, please call our Loan Servicing Department at 860-688-8511.

Rates as of Friday, April 24, 2015

PointsInterest RateAnnual Percentage RatePayment per $1,000PaymentsApply
30 Year Fixed - Purchase/Refinance
2.0003.625%3.881%$4.56Show Payments and Rates
1.0003.750%3.923%$4.63Show Payments and Rates
0.0003.875%3.966%$4.70Show Payments and Rates
20 Year Fixed - Purchase/Refinance
2.0003.375%3.728%$5.74Show Payments and Rates
1.0003.500%3.739%$5.80Show Payments and Rates
0.0003.625%3.750%$5.86Show Payments and Rates
15 year Fixed - Purchase/Refinance
2.0002.625%3.070%$6.73Show Payments and Rates
1.0002.750%3.051%$6.79Show Payments and Rates
0.0002.875%3.032%$6.85Show Payments and Rates
12 Year Fixed - Purchase/Refinance
0.0002.750%2.942%$8.16Show Payments and Rates
10 Year Fixed - Purchase/Refinance
0.0002.625%2.851%$9.48Show Payments and Rates
  • Rates at time of application are for illustrative purposes only, and are not locked at time of online application submission. Please call for more details!
  • Illustrated rates are for 1 - 4 Family Owner Occupied Residential Loans up to $417,000.
  • Annual Percentage Rates (APR) are based on $100,000 for conventional loans with a 20% down payment. Any down payment less than 20% would require a monthly PMI (Private Mortgage Insurance) payment.
  • Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate and term indicated.
  • Subject to credit approval.
  • Rates apply to the purchase or non cash out refinancing of owner occupied properties only and are subject to change without notice. Rates may also be impacted by other factors.
  • Other terms and conditions may apply.


Jumbo Loan Rates Purchase & Refinance

Rates are for illustrative purposes only! For up-to-the minute rates, please call our Loan Servicing Department at 860-688-8511.

Rates as of Friday, April 24, 2015

PointsInterest RateAnnual Percentage RatePayment per $1,000PaymentsApply
Jumbo 30 Fixed Purchase/Refinance
0.0004.250%4.271%$4.92Show Payments and Rates
Jumbo 15 Fixed Purchase/Refinance
0.0003.250%3.285%$7.03Show Payments and Rates
  • Rates at time of application are for illustrative purposes only, and are not locked at time of online application completion. Please call for more details!
  • 1 - 2 Family Owner Occupied Residential Loans up to $750,000.
  • Annual Percentage Rates (APR) are based on $450,000 for jumbo loans with a 20% down payment.
  • Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate and term indicated.
  • Subject to credit approval.
  • Rates apply to the purchase or non cash out refinancing of owner occupied properties only and are subject to change without notice.
  • Other terms and conditions may apply.
  • Call for loans over $750,000.

 

 

 

 Adjustable Rate Mortgages (ARM) Purchase & Refinance

Rates are for illustrative purposes only! For up-to-the minute rates, please call our Loan Servicing Department at 860-688-8511.

Rates as of Friday, April 24, 2015

PointsInterest RateAnnual Percentage RatePayment per $1,000PaymentsApply
3 Year / 1 Year Adjustable Rate
(3 year fixed rate to 1 year adjustable thereafter) 30 Year
0.0002.625%2.987%$4.02Show Payments and Rates
5 Year / 1 Year Adjustable Rate
(5 year fixed rate to 1 year adjustable thereafter) 30 Year
0.0002.750%2.985%$4.08Show Payments and Rates

The interest rate will remain fixed until the first adjustment date and is subject to increase or decrease after consummation. Adjustments are based on the 1 year US Treasury weekly constant plus a 2.75% margin. However, at no time will the Annual Percentage Rate (APR) ever be higher than 18.00% regardless of the 1 year US Treasury rate.

Rates at time of application are for illustrative purposes only, and are not locked at time of online submission. Please call for more details!

  • Illustrated rates are for 1 - 4 Family Owner Occupied Residential Loans up to $500,000.
  • Annual Percentage Rates (APR) are based on $100,000 for conventional loans with a 20% down payment.
  • Any down payment less than 20% would require a monthly PMI (Private Mortgage Insurance) payment.
  • Maximum APR 18%.
  • Initial Unit Cost represents the monthly payment during the initial fixed term based on a $1,000.00 loan at the initial rate for a 30 year term.
  • Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate and term indicated.
  • At the adjustment which could be in 3 or 5 years depending on product. The maximum increase could be 2% yearly cap with a maximum of 5% lifetime cap over the life of the loan.
  • Subject to credit approval.
  • Rates are subject to change without notice. Rates may also be impacted by other factors.
  • Other terms and conditions may apply.


 
 
 CHFA Purchase Only

Rates are for illustrative purposes only! For up-to-the minute rates, please call our Loan Servicing Department at 860-688-8511.

Rates as of Friday, April 24, 2015

PointsInterest RateAnnual Percentage RatePayment per $1,000Payments
CHFA 30 Year Fixed Rate Mortgage - Purchase
1.0002.875%3.073%$4.15Show Payments and Rates


 

FHA Purchase & Refinance Rates


Rates are for illustrative purposes only!
For up-to-the minute rates, please call our Loan Servicing Department at 860-688-8511.

Rates as of Friday, April 24, 2015

PointsInterest RateAnnual Percentage RatePayment per $1,000PaymentsApply
FHA 30 Year Fixed - Purchase/Refinance
0.0003.750%3.874%$4.63Show Payments and Rates
FHA Fixed Rate Mortgage
  • Rates at time of application are for illustrative purposes only, and are not locked at time of online application submission.
  • 1-4 Family, Condominiums, Planned Unit Developments
  • Illustrated rates are for Owner Occupied Residential Loans up to FHA guidelines.
  • Annual Percentage Rates (APR) are based on $100,000 with a 20% down payment. Any down payment less than 20% would require a monthlyMortgage Insurance payment.
  • Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate and term indicated.
  • Subject to credit approval.
  • Other terms and conditions may apply.
  • Rates subject to change at anytime without notice.



 Home Equity Fixed Rate Loans

For up-to-the minute rates, please call our Loan Servicing Department at 860-688-8511.

Rates as of Friday, April 24, 2015

PointsInterest RateAnnual Percentage RatePayment per $1,000PaymentsApply
Equity Loan - term 5 years (60 months)
0.0002.990%2.990%$17.96Show Payments and Rates
Equity Loan - term 7 years (84 months)
0.0003.490%3.490%$13.44Show Payments and Rates
Equity Loan - term 10 years (120 months)
0.0003.750%3.750%$10.01Show Payments and Rates
Equity loan - term 15 years (180 months)
0.0004.750%4.750%$7.78Show Payments and Rates
Financing of 1-4 Family Primary Residences or Condominiums.  Windsor Federal Savings will pay the Appraisal Fee, Credit Report Fee, Title Search Fee and Recording Fee with the following exceptions:
 
Loans above $125,000 - Appraisal Fee collected at application ($400 for single family home) and title search, lender's title insurance, and recording fees charged at closing.
  • Maximum Combined Loan-To-Value 80% of subject property's appraised value.
  • Subject to credit approval.
  • Rates subject to change at anytime without notice.
  • Consult your tax advisor regarding the deductibility of interest.
Apply on-line today or contact a Loan Originator at 860-688-8511
 
Neighbors Helping Neighbors Since 1936



 Home Equity Lines of Credit Rates

For up-to-the minute rates, please call our Loan Servicing Department at 860-688-8511.

Rates as of Friday, April 24, 2015

Product DescriptionInterest RatePayment per $1,000PaymentsApply
Home Equity Line of Credit - Variable Rate
25 Years (10 Year Draw Period)2.750%$2.29Show Payments and Rates

*The Annual Percentage Rate (APR) is a variable rate based on the Wall Street Journal’s (WSJ’s) Prime Rate minus .50% for 12 billing cycles and at Prime thereafter.

 
Financing of 1-4 Family Primary Residences or Condominiums. Windsor Federal Savings will pay the Appraisal Fee, Credit Report Fee, Title Search Fee and Recording Fee with the following exceptions:
 
Loan Amounts above $125,000 - Appraisal Fee collected at application ($400 for single family home) and title search, lender's title insurance, and recording fees charged at closing.
  • Maximum Combined Loan-To-Value 80% of subject property's appraised value.
  • Minimum Credit Advance Amount is $500.  Annual fee of $30 is waived for the first year.
  • Total Term is 25 years; 10-year draw period & 15-year repayment period.
  • Hazard Insurance (flood insurance, if applicable) is required.
  • Subject to credit approval.
  • Rates subject to change at any time without notice.
  • Consult your tax advisor regarding the deductibility of interest.
Apply on-line today or contact a Loan Originator at 860-688-8511
 
Neighbors Helping Neighbors Since 1936
 
*Annual Percentage Rate (APR) is a variable rate based on the Wall Street Journal's Prime Rate.  As of 2/23/2015, Prime Rate is 3.25%.  The maximum APR that will apply is 18%.


 
Automobile Loans

For up-to-the minute rates, please call our Loan Servicing Department at 860-688-8511.

Rates as of Friday, April 24, 2015

Product DescriptionInterest RateAnnual Percentage RatePayment per $1,000Payments
Automobile New - 0% Down
24 Months5.490%5.490%$44.09Show Payments and Rates
36 Months5.490%5.490%$30.19Show Payments and Rates
48 Months5.490%5.490%$23.25Show Payments and Rates
60 Months5.490%5.490%$19.10Show Payments and Rates
Automobile New - 20% Down
24 Months4.990%4.990%$43.87Show Payments and Rates
36 Months4.990%4.990%$29.97Show Payments and Rates
48 Months4.990%4.990%$23.02Show Payments and Rates
60 Months4.990%4.990%$18.87Show Payments and Rates
Automobile Used - 1-2 Yr Old - 20% Down
36 Months
1-2 Yr Old
4.990%4.990%$29.97Show Payments and Rates
48 Months
1-2 Yr Old
5.490%5.490%$23.25Show Payments and Rates
60 Months
1-2 Yr Old
5.990%5.990%$19.33Show Payments and Rates
Automobile Used - 3-5 Yr Old - 20% Down
24 Months
3-4 Yr Old
5.990%5.990%$44.32Show Payments and Rates
36 Months
3-4 Yr Old
6.490%6.490%$30.64Show Payments and Rates
48 Months
3-4 Yr Old
6.990%6.990%$23.94Show Payments and Rates
24 Months
5 Yr Old
7.490%7.490%$45.00Show Payments and Rates
36 Months
5 Yr Old
7.990%7.990%$31.33Show Payments and Rates
36 Months Over 5 Years Old8.990%8.990%$31.80Show Payments and Rates
  • Maximum Annual Percentage Rate (APR) is 18%.
  • 0% Downpayment for New Auto Purchases.
  • 20% Downpayment for Used Auto Purchases.
  • Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate indicated.
  • Subject to credit approval.
  • Other terms and conditions may apply.
  • Rates subject to change at any time without notice.