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 Monday, July 21, 2014

PointsInterest RateAPRPayment per $1,000PaymentsApply
30 Year Fixed - Purchase/Refinance
2.0004.000%4.262%$4.77Show Payments and Rates
1.0004.125%4.302%$4.85Show Payments and Rates
0.0004.250%4.343%$4.92Show Payments and Rates
20 Year Fixed - Purchase/Refinance
2.0003.750%4.109%$5.93Show Payments and Rates
1.0003.875%4.117%$5.99Show Payments and Rates
0.0004.000%4.126%$6.06Show Payments and Rates
15 year Fixed - Purchase/Refinance
2.0003.000%3.450%$6.91Show Payments and Rates
1.0003.125%3.429%$6.97Show Payments and Rates
0.0003.250%3.408%$7.03Show Payments and Rates
12 Year Fixed - Purchase/Refinance
0.0003.125%3.318%$8.34Show Payments and Rates
10 Year Fixed - Purchase/Refinance
0.0003.000%3.228%$9.66Show 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 Monday, July 21, 2014

PointsInterest RateAPRPayment per $1,000PaymentsApply
Jumbo 30 Fixed Purchase/Refinance
0.0004.625%4.646%$5.14Show Payments and Rates
Jumbo 15 Fixed Purchase/Refinance
0.0003.625%3.660%$7.21Show 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 Monday, July 21, 2014

PointsInterest RateAPRPayment per $1,000PaymentsApply
3 Year / 1 Year Adjustable Rate
(3 year fixed rate to 1 year adjustable thereafter) 30 Year
0.0002.625%2.893%$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%2.907%$4.08Show Payments and Rates

The rate will remain fixed until the first adjustment date and are subject to increase or decrease after consummation. Adjustments based on the 1 year US Treasury weekly constant plus a 2.75% margin. However, at no time will your rate 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 application 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 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.


 
 
 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 Monday, July 21, 2014

PointsInterest RateAPRPayment per $1,000PaymentsApply
CHFA 30 Year Fixed Rate Mortgage - Purchase
1.0003.250%3.452%$4.35Show 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 Monday, July 21, 2014

PointsInterest RateAPRPayment per $1,000PaymentsApply
FHA 30 Year Fixed - Purchase/Refinance
0.0004.125%4.252%$4.85Show 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 Monday, July 21, 2014

PointsInterest RateAPRPayment 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)
0.0003.990%3.990%$10.12Show Payments and Rates
Equity loan - term 15 years (180 months)
0.0004.990%4.990%$7.90Show Payments and Rates

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 - $550 Attorney Title Search & Appraisal Fee plus Cost of Title, Credit, Flood Certification, Recording and Attorney closing fees.
Maximum Loan-To-Value 80% of appraised value (appraised value x 80% minus 1st mortgage balance.)
Subject to credit approval.
Rates subject to change at anytime without notice.
Consult your tax advisor regarding the deductibility of interest.



 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 Monday, July 21, 2014

Product DescriptionInterest RatePayment per $1,000PaymentsApply
Home Equity Line of Credit - Variable Rate
20 Years (10 year draw period)4.000%$3.33Show Payments and Rates

The Interest is Based on the Prime Rate. However, the rate for this product will not drop below 4.000% or go above 18.000% at any time.*

**Current Prime Rate is 3.250% as quoted from the Wall Street Journal however the rate for this product is 4.000%. Based on the floor rate for this product, the current APR based on 4.000% is as follows:

  • The *APR is 4.000% on a loan amount of $50,000
  • The *APR is 4.201% on a loan amount of $126,000

*Rate, floor or cap of this product is effective as of 12/16/2008 and subject to change without notice. Minimum APR is 4.000%. Maximum APR is 18.00%. At no time will the rate drop below 4.000% or go above 18.000% regardless of the published Prime Rate. Rate is good for up to 80% combined loan to value.

The annual fee of $30 is waived for the first year. 1-4 family owner-occupied primary residence properties only. Not available on homes for sale or for mobile homes. Hazard insurance (including flood insurance, if applicable) required.

Maximum Loan-To-Value 80% of appraised value (appraised value x 80% minus 1st mortgage balance.)

Windsor Federal Savings will pay the Appraisal Fee, Credit Report Fee, Title Search Fee and Recording Fee with the following exceptions:

  • Loans for $125,000 and over - $500 Attorney & Appraisal Fee plus Cost of Title Insurance and Recording Fees.

Terms are subject to change without notice. Subject to credit approval. Consult your tax advisor regarding the deductibility of interest.



 
Automobile Loans

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

Rates as of Monday, July 21, 2014

Product DescriptionInterest RateAPRPayment per $1,000PaymentsApply
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
  • Annual Percentage Rate (APR).
  • Maximum APR is 18%.
  • 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.
  • * Does Not Include Tax or Registration
  • Rates subject to change at anytime without notice.



Personal Loan Rates

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

Rates as of Monday, July 21, 2014

Product DescriptionInterest RateAPRPayment per $1,000PaymentsApply
Unsecured - Maximum Loan Amount $10,000
12 Month12.500%12.501%$89.08Show Payments and Rates
24 Month12.500%12.500%$47.31Show Payments and Rates
42 Month12.500%12.500%$29.52Show Payments and Rates
60 Month12.500%12.500%$22.50Show Payments and Rates
Unsecured Home Improvement - Maximum Loan Amount $15,000
12 Month9.000%9.000%$87.45Show Payments and Rates
24 Month9.000%9.000%$45.68Show Payments and Rates
42 Month9.000%9.000%$27.84Show Payments and Rates
60 Month9.000%9.000%$20.76Show Payments and Rates
  • Annual Percentage Rate (APR).
  • Maximum APR is 18%.
  • 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.