Current Loan Rates

Personal Loans | Mortgage Loans | Home Equity Loans

Before you judge loan rates, Fidelity Savings would suggest that you consider the following question:

Is comparing APRs the best way to decide which lender has the lowest rates and fees?

The Federal Truth-in-Lending Act requires that all financial institutions disclose the Annual Percentage Rate (APR) when they advertise a rate. The APR is designed to present the actual cost of obtaining financing, by requiring that some of the closing fees charged at the loan settlement and closing be included, in addition to the interest rate, to determine the cost of financing over the full term of the loan.

For Adjustable Rate Mortgages (ARMS), the APR can be complex. Since no one knows exactly what market conditions will be in the future, assumptions must be made regarding future rate adjustments

You can use the APR as a guideline to shop for loans but you should not depend solely on the APR in choosing the loan program that is best for you. Also, the APR does not include all the closing costs. Look at total fees, possible rate adjustments in the future if you are comparing ARMS, and consider the length of time that you plan on having the mortgage financing for your home, etc.

Don’t forget that the APR is an effective interest rate – not the actual interest rate. Your monthly payments will be based on the actual interest rate, the amount you borrow, and the term of your loan.

Fidelity Savings’ accessible and experienced loan officers are glad to meet with you, without obligation, to help you evaluate alternative loan products and the financial impact on your monthly income. Fidelity Savings is recognized for its continued customer service both during and after the loan is granted. Fidelity Savings success in its community is seen through helping those with borrowing and deposit needs from today’s generation, their parents and their grand-parents before them. Fidelity Savings is recognized for being a banking tradition since 1885. We can make a difference, Let us show you how!

Rates are accurate as of 05/06/2020. All rates are subject to change and are stated as of the date listed above. If you would like current rate information after the rate effective date, please call Fidelity Savings’ experienced Loan Officers at 215-788-0448 for more information on Loan Products, or Contact Us to send your communication to us.

Mortgage Loan Rates

JUMBO LOANS: Defined as single family home loans of $750,001 to $1,500,000. Please call for details.

FIRST-TIME HOME BUYER’S PROGRAM: Special discounts for first time home buyers. Call for details.

CONSTRUCTION PERMANENT LOANS: Available to help you build the home of your dreams; manage the construction phase; and maintain the end loan. Our Constructions Loans are available as one mortgage product, all with one loan closing. Please call for special rates and other details.

INVESTMENT PROPERTY LOANS: Financing for 1-4 family rental properties is available at different rates and terms from the owner-occupied loan rates shown above. Please call for details.

BI-WEEKLY LOANS: A popular option for those looking to save years of payments and thousands of dollars. Please call for special rates and other details.

BALLOON LOANS: Financing for 1-4 single family rental properties is available at different rates and terms from the owner-occupied loan rates shown above. Please call for details.

SWING/BRIDGE LOANS: Financing to provide short term financing to bridge the gap between the purchase of a new property and the sale of the presently owned property. Please call for special rates and other details.

OTHER PROPERTY PURCHASE OR REFINANCE MORTGAGE LOANS: Financing for Residential Lot Purchase, Multi-family Residential Property, Non-Owner Occupied Residential Property, Mixed Use Property, and Blanket Property Mortgage Loans that are secured by two or more real estate properties are available. Please call for special rates and other details.

Mortgage Loans

Loan TypePurchase/Refinance PointsInterest RateAnnual Percentage Rate (APR)*
10-Year Fixed33.000%2.631%
15-Year Fixed32.000%2.429%
20-Year Fixed32.375%2.708%
30-Year Fixed32.500%2.734%
*APR refers to Annual Percentage Rate based on simple interest.

Home Equity Loan Rates

Check our very competitive rates for loans up to $400,000.

For Home Equity Loans on Owner Occupied residential properties with a Loan-to-value ratio greater than 80%, please call for special rates and other details.

Home Equity

 $10,000 or More
5 Years3.250%
10 Years3.990%
15 Years4.750%
20 Years5.750%
*APR refers to Annual Percentage Rate based on simple interest. Annual Percentage Rate (APR) shown is based on a home equity installation loan of $25,000 up to $400,000, 1-4 family owner occupied. APR is increased by 25 bps without automatic payment from a Fidelity Statement Savings or Checking account. Rates may vary for different terms or amounts. Homeowners Insurance required. Flood Insurance required if applicable. Title insurance may be required for loans over $100,000. No application fee. However, if the loan is paid off within the first 36 months, third party fees (amount will vary) for credit report, appraisal, property search and recording will be due. Loans are subject to approval.

Home Equity Line of Credit

Lines of Credit up to $250,000.00


ProductInterest Rate 
HELOC 15The Wall Street Journal Prime Rate - .25%
*APR refers to Annual Percentage Rate based on simple interest. The minimum APR is 3.50% and the maximum APR is 18%. The interest rate on your Fidelity Savings' Home Equity Line of Credit can adjust monthly. The interest rate on this loan product may increase after the loan is granted. The annual maintenance fee is waived for the first year and $25.00 per year thereafter. Talk to one of our loan specialists for complete details.

FOR MORE INFORMATION: Call 215-788-0448 to speak with one of our experienced loan consultants.


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