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Choose from a variety of consumer loans to help you purcahse your dream of a new home, a new car or installing a new pool. We have solutions to help fit your needs and we're here to help.  Stop by any branch location or contact our Mortgage Originator Triston Crosdale at 860.280.4967 for additional information.

Rates as of Tuesday, August 06, 2019

Fixed Rate Mortgages

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

Product Points Interest Rate APR Payment per $1,000
30 Year Fixed - Purchase/Refinance 0.000 3.750% 3.878% $4.63
1.000 3.625% 3.835% $4.56
2.000 3.500% 3.791% $4.49
20 Year Fixed - Purchase/Refinance 0.000 3.625% 3.801% $5.86
1.000 3.500% 3.791% $5.80
2.000 3.375% 3.780% $5.74
15 year Fixed - Purchase/Refinance 0.000 3.250% 3.470% $7.02
1.000 3.125% 3.491% $6.97
2.000 3.000% 3.513% $6.91
12 Year Fixed - Purchase/Refinance 0.000 3.125% 3.393% $8.34
10 Year Fixed - Purchase/Refinance 0.000 3.125% 3.442% $9.71
  • 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

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

Product Points Interest Rate APR Payment per $1,000
Jumbo 30 Fixed 0.000 3.875% 3.923% $4.70
Jumbo 15 Fixed 0.000 3.375% 3.453% $7.09
  • 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

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

Product Points Interest Rate APR Payment per $1,000
3 Year / 1 Year Adjustable Rate* 0.000 3.50% 4.801% $4.49
5 Year / 1 Year Adjustable Rate** 0.000 3.500% 4.601% $4.49

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

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

Product Points Interest Rate APR Payment per $1,000
CHFA 30 Year Fixed 1.000 3.000% 3.157% $4.22

FHA Purchase & Refinance

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

Product Points Interest Rate APR Payment per $1,000
FHA 30 Year Fixed 0.000 4.500% 4.593 $5.07
  • 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

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

Product Points Interest Rate APR Payment per $1,000
3 Years (36 Month) 0.000 2.990% 2.990% $29.08
5 Years (60 Months) 0.000 3.490% 3.490% $18.19
7 Years (84 Months) 0.000 3.990% 3.990% $13.66
10 Years (120 Months) 0.000 4.250% 4.250% $10.24
15 Years (180 Months) 0.000 4.875% 4.875% $7.84

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 ($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.

Contact a Loan Originator at 860-688-8511 for details.

 

HELOC

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

Product Interest Rate Payment per $1,000
25 Years (10 Year Draw Period) 5.250% $4.11

*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 advisor regarding the deductibility of interest.

Contact a Loan Originator at 860-688-8511 for details.

 

*Annual Percentage Rate (APR) is a variable rate based on the Wall Street Journal's Prime Rate.  As of 08/01/2019, Prime Rate is 5.250%.  The maximum APR that will apply is 18%.

*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 advisor regarding the deductibility of interest.

Contact a Loan Originator at 860-688-8511 for details.

 

*Annual Percentage Rate (APR) is a variable rate based on the Wall Street Journal's Prime Rate.  As of 08/01/2019, Prime Rate is 5.250%.  The maximum APR that will apply is 18%.