Current Loan Rates
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 12/14/2018. 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.
Unsecured Personal Loan Rates
|Minimum/Maximum Loan Amount||Term||Annual Percentage Rate (APR)* for Credit Score of 700 or Above||Annual Percentage Rate (APR)* for Credit Score of 699 or Lower|
JUMBO LOANS: Defined as single family home loans greater than $500,000. Financing is available for loans up to $700,000 at special rates and terms. 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.
|Loan Type||Purchase/Refinance Points||Interest Rate||Annual Percentage Rate (APR)*|
|HOME BUYERS SPECIAL|
30-Year Fixed Rate
|0 Pts. |
New Purchases Only
|HOME BUYERS SPECIAL|
15-Year Fixed Rate
|0 Pts. |
New Purchases Only
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.
|$10,000 or More|
|Term||APR W/O Auto Pay||APR With Auto Pay|
Home Equity Line of Credit
Lines of Credit from $10,000.00 to $400,000.00
|HELOC 10||Fixed for term of loan, currently 6.500%|
|HELOC 15||The Wall Street Journal Prime Rate|
|HELOC 20||The Wall Street Journal Prime Rate, minus 1/4%|
FOR MORE INFORMATION: Call 215-788-0448 to speak with one of our experienced loan consultants:
Joseph G. Slemmer, II – Ext. 102
Tara Albright- Ext. 101
THIS INFORMATION IS INTENDED TO BE A SUMMARY AND FURTHER RESTRICTIONS MAY APPLY.