Loan Rates

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 Thursday, June 14, 2018

PointsInterest RateAPRPayment per $1,000PaymentsApply
30 Year Fixed - Purchase/Refinance
2.0004.500%4.769%$5.07Show Payments
1.0004.625%4.807%$5.14Show Payments
0.0004.750%4.845%$5.22Show Payments
20 Year Fixed - Purchase/Refinance
2.0004.250%4.615%$6.19Show Payments
1.0004.375%4.621%$6.26Show Payments
0.0004.500%4.628%$6.33Show Payments
15 year Fixed - Purchase/Refinance
2.0003.750%4.209%$7.27Show Payments
1.0003.875%4.184%$7.33Show Payments
0.0004.000%4.160%$7.40Show Payments
12 Year Fixed - Purchase/Refinance
0.0003.750%3.944%$8.63Show Payments
10 Year Fixed - Purchase/Refinance
0.0003.500%3.728%$9.89Show Payments
  • Rates are for illustrative purposes only and are not locked at time of online submission. Please call 860-688-8511 for more details.
  • Illustrated Rates are for Single Family Owner Occupied residential mortgage loans up to $417,000 with 740 credit score.
  • Annual Percentage Rates (APR) are based on $100,000 for conventional mortgage loans with a 20% down payment. Any down payment less than 20% 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.
  • Illustrated Rates are for the purchase or non cash-out refinance 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 Thursday, June 14, 2018

PointsInterest RateAPRPayment per $1,000PaymentsApply
Jumbo 30 Fixed Purchase/Refinance
0.0004.750%4.771%$5.22Show Payments
Jumbo 15 Fixed Purchase/Refinance
0.0004.000%4.036%$7.40Show Payments
  • Rates are for illustrative purposes only and are not locked at time of online submission. Please call 860-688-8511 for more details.
  • 1 - 2 Family Owner Occupied residential mortgage loans up to $750,000.
  • Annual Percentage Rates (APR) are based on Single Family Owner Occupied Homes at  $450,000 loan amount with a 20% down payment and 740 credit score.
  • 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 are for to the purchase or non cash-out refinance of owner occupied properties only and are subject to change without notice.
  • Other terms and conditions may apply.
  • Please call 860-688-8511 for loan amounts 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 Thursday, June 14, 2018

PointsInterest RateAPRPayment per $1,000PaymentsApply
3 Year / 1 Year Adjustable Rate
(3 year fixed rate to 1 year adjustable thereafter) 30 Year
0.0003.250%4.741%$4.35Show Payments
5 Year / 1 Year Adjustable Rate
(5 year fixed rate to 1 year adjustable thereafter) 30 Year
0.0003.500%4.594%$4.49Show Payments

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 Thursday, June 14, 2018

PointsInterest RateAPRPayment per $1,000Payments
CHFA 30 Year Fixed Rate Mortgage - Purchase
1.0003.750%3.958%$4.63Show Payments


 

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 Thursday, June 14, 2018

PointsInterest RateAPRPayment per $1,000PaymentsApply
FHA 30 Year Fixed - Purchase/Refinance
0.0005.250%5.386%$5.52Show Payments
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 Thursday, June 14, 2018

PointsInterest RateAPRPayment per $1,000PaymentsApply
Equity Loan - term 3 years (36 months)
0.0001.958%1.990%$28.62Show Payments
Equity Loan - term 5 years (60 months)
0.0003.500%3.519%$18.19Show Payments
Equity Loan - term 7 years (84 months)
0.0003.875%3.889%$13.61Show Payments
Equity Loan - term 10 years (120 months)
0.0004.500%4.510%$10.36Show Payments
Equity loan - term 15 years (180 months)
0.0004.875%4.882%$7.84Show Payments
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 $200,000 - Appraisal Fee collected at application ($415 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 Thursday, June 14, 2018

Product DescriptionInterest RatePayment per $1,000PaymentsApply
Home Equity Line of Credit - Variable Rate
25 Years (10 Year Draw Period)4.500%$3.75Show Payments

*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 $200,000 - Appraisal Fee collected at application ($415 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 adviser 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 6/14/2018, Prime Rate is 5.00%.  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 Thursday, June 14, 2018

Product DescriptionInterest RateAPRPayment per $1,000Payments
Automobile New - 0% Down
24 Months5.490%5.490%$44.09Show Payments
36 Months5.490%5.490%$30.19Show Payments
48 Months5.490%5.490%$23.25Show Payments
60 Months5.490%5.490%$19.10Show Payments
Automobile New - 20% Down
24 Months4.990%4.990%$43.87Show Payments
36 Months4.990%4.990%$29.97Show Payments
48 Months4.990%4.990%$23.02Show Payments
60 Months4.990%4.990%$18.87Show Payments
Automobile Used - 1-2 Yr Old - 20% Down
36 Months
1-2 Yr Old
4.990%4.990%$29.97Show Payments
48 Months
1-2 Yr Old
4.990%4.990%$23.02Show Payments
60 Months
1-2 Yr Old
4.990%4.990%$18.87Show Payments
Automobile Used - 3-5 Yr Old - 20% Down
24 Months
3-4 Yr Old
5.490%5.490%$44.09Show Payments
36 Months
3-4 Yr Old
5.490%5.490%$30.19Show Payments
48 Months
3-4 Yr Old
5.490%5.490%$23.25Show Payments
24 Months
5 Yr Old
5.990%5.990%$44.32Show Payments
36 Months
5 Yr Old
5.990%5.990%$30.42Show Payments
36 Months Over 5 Years Old6.490%6.490%$30.64Show Payments
  • Maximum Annual Percentage Rate (APR) is 18%.
  • 0% Downpayment for New Auto Purchases.
  • Up to 100% financing for Used Auto Purchases - .25% rate reduction with 20% down
  • 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.