Current Rates

¹APR= Annual Percentage Rate.

²Available for loan amounts up to $999,999.00. Rates for loan amounts of $1,000,000.00 and above will be determined by the Bank. Loans over $500,000.00 on 1 family homes & condominiums must be owner occupied. Up to 75% loan to value for purchases, 70% loan to value for refinances.

Terms and rates are subject to change without notice. Rates are for informational purposes only and are not binding until a formal commitment has been issued. Maspeth Federal Savings is an Equal Housing & Equal Opportunity Lender.

Co-Ops must be Owner Occupied and are available for loans up to $999,999.00. 

¹APR= Annual Percentage Rate.

²First Time Homebuyers Program is available for purchase of owner occupied single-family and two-family homes, condominiums & co-ops with maximum Purchase Price of $999,000.00. You will receive .25% discount on Interest Rate. Down payment of 5% to 19% will require PMI (Private Mortgage Insurance).

Terms and rates are subject to change without notice. Rates are for informational purposes only and are not binding until a formal commitment has been issued. Maspeth Federal Savings is an Equal Housing & Equal Opportunity Lender.

¹APR = Annual Percentage Rate.

²Available for loan amounts up to $999,999.00. Contact us for rates for loan amounts of $1,000,000.00 and above. Loans over $500,000.00 on single-family homes & condominiums must be Primary residence. Co-ops must be primary residence and are available for loans up to $999,999. Up to 75% loan-to-value for purchases, 70% loan-to-value for refinances.

³$550.00 non-refundable application fee is required on investment properties.

Terms and rates are subject to change without notice. Rates are for informational purposes only and are not binding until a formal commitment has been issued. Maspeth Federal Savings is an Equal Housing & Equal Opportunity Lender.

¹APR= Annual Percentage Rate.

²Available for loan amounts up to $999,999.00. Rates for loan amounts of $1,000,000.00 and above will be determined by the Bank. Loans over $500,000.00 on 1 family homes & condominiums must be owner occupied. Up to 75% loan to value for purchases, 70% loan to value for refinances.

³$550.00 Non-refundable application fee is required on investment properties. Terms and rates are subject to change without notice. Rates are for informational purposes only and are not binding until a formal commitment has been issued. Maspeth Federal Savings is an Equal Housing & Equal Opportunity Lender.

Co-Ops must be Owner Occupied and are available for loans up to $999,999.00. 

¹Rate is based on the New York Times Prime Rate. The maximum APR is 15.00% and the minimum APR is 5.00%. The maximum allowable line amount; combined DTI cannot exceed 43%. Property insurance is required, and flood insurance may be required. You should consult with a tax advisor about the deductibility of interest paid on your home equity line of credit.

Available to properties located in the state of NY (Manhattan, Queens, Brooklyn, Bronx, Staten Island, Nassau, Suffolk & Westchester). Applicant must have an existing mortgage with Maspeth Federal Savings for at least two years or own the property free and clear. Property must be owner-occupied 1- to 4-family home, condominium or coop. Subject to loan-to-value (LTV) ratio and debt-to-income (DTI) ratio. Closing costs subject to reimbursement if HELOC is satisfied within 3 years. Loan products and services subject to approval. Rates, terms and conditions are subject to change without notice. No minimum draw amount; subject to 24-month activity review. 

 *Five-year term resets twice for an additional five years (prevailing rate and remaining term). Note that the five-year initial rate is an introductory rate.

Terms and rates subject to change without notice.

Terms subject to change without notice.

*Five-year term resets twice for an additional five years (prevailing rate and remaining term). Note that the five-year initial rate is an introductory rate.

Terms subject to change without notice.

*Five-year term resets twice for an additional five years (prevailing rate and remaining term). Note that the five-year initial rate is an introductory rate.

Interest rate adjusts on first of month to higher of initial rate or prime rate as reported in The New York Times. Converts to 15-year fixed-rate mortgage at prevailing bank commercial interest rate for similar property at end of draw period.

Maximum Loan Amount: $1,000,000. The standard rate index shall be the Prime Rate as reported in The New York Times. The rate is subject to change as the Prime Rate changes. During the draw period the interest rate shall not be lower than the rate at time of loan closing. A non-refundable application fee is required. Rates subject to change without notice. Line of Credit shall remain open for a maximum of 5 years. Note that the payment will be interest only during the five-year draw period. Funds availability shall then close and the ending balance will convert to a closed-end, fully amortized conventional mortgage for a 15-year term. The rate will be fixed at the prevailing Maspeth Federal Savings commercial interest rate for the similar type property. All closing costs will be paid by the borrower and will include, but not limited to, mortgage taxes, appraisal fees, attorney fees and title search fees. Closing costs MUST be paid at closing with newly issued Commercial Line of Credit check. Consult with your financial advisor regarding interest tax deductibility.

 Terms and rates subject to change without notice.

*Converts to fixed-rate mortgage at prevailing rate at the end of the initial 24-month term.

Penalty for early withdrawal. CDs will automatically renew at maturity unless customer chooses otherwise. Rates and special offers may be withdrawn at any time and are subject to change without notice.

Rates and terms are subject to change without notice. The minimum balance shown is required to achieve the stated Annual Percentage Yield. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Federal Regulations require a penalty for early withdrawal on certificate accounts, including substantial tax penalties on tax deferred instruments. All above Annual Percentage Yields are accurate as of today's date. Applicable fees could reduce earnings on account. Please ask one of our customer service representatives for further information regarding the fees (if any), terms and conditions for the above-mentioned accounts. Disclosure statements are available at all branch locations. FDIC Insured.

All IRAs/CESAs have specific eligibility requirements, modified adjusted gross income limits, contribution and deductibility limits and possible IRS and Association penalties for early withdrawal. It is recommended that you consult with a tax professional to discuss your eligibility and own personal tax liability with regard to federal, state and local income tax implications.

Consult a tax advisor for details.

Eligibility for Roth IRA contributions comes with two requirements: (1) You or your spouse must have earned income and (2) Your modified adjusted gross income cannot exceed certain limits.

Penalty for early withdrawal. CDs will automatically renew at maturity unless customer chooses otherwise. Rates and special offers may be withdrawn at any time and are subject to change without notice.

All IRAs/CESAs have specific eligibility requirements, modified adjusted gross income limits, contribution and deductibility limits and possible IRS and Association penalties for early withdrawal. It is recommended that you consult with a tax professional to discuss your eligibility and own personal tax liability with regard to federal, state and local income tax implications.

Rates and terms are subject to change without notice. The minimum balance shown is required to achieve the stated Annual Percentage Yield. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Federal Regulations require a penalty for early withdrawal on certificate accounts, including substantial tax penalties on tax deferred instruments. All above Annual Percentage Yields are accurate as of today's date. Applicable fees could reduce earnings on account. Please ask one of our customer service representatives for further information regarding the fees (if any), terms and conditions for the above-mentioned accounts. Disclosure statements are available at all branch locations. FDIC Insured.

Consult a tax advisor for details.

Penalty for early withdrawal. CDs will automatically renew at maturity unless customer chooses otherwise. Rates and special offers may be withdrawn at any time and are subject to change without notice.

Rates and terms are subject to change without notice. The minimum balance shown is required to achieve the stated Annual Percentage Yield. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Federal Regulations require a penalty for early withdrawal on certificate accounts, including substantial tax penalties on tax deferred instruments. All above Annual Percentage Yields are accurate as of today's date. Applicable fees could reduce earnings on account. Please ask one of our customer service representatives for further information regarding the fees (if any), terms and conditions for the above-mentioned accounts. Disclosure statements are available at all branch locations. FDIC Insured.

All IRAs/CESAs have specific eligibility requirements, modified adjusted gross income limits, contribution and deductibility limits and possible IRS and Association penalties for early withdrawal. It is recommended that you consult with a tax professional to discuss your eligibility and own personal tax liability with regard to federal, state and local income tax implications.

Penalty for early withdrawal. CDs will automatically renew at maturity unless customer chooses otherwise. Rates and special offers may be withdrawn at any time and are subject to change without notice.

Rates and terms are subject to change without notice. The minimum balance shown is required to achieve the stated Annual Percentage Yield. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Federal Regulations require a penalty for early withdrawal on certificate accounts, including substantial tax penalties on tax deferred instruments. All above Annual Percentage Yields are accurate as of today's date. Applicable fees could reduce earnings on account. Please ask one of our customer service representatives for further information regarding the fees (if any), terms and conditions for the above-mentioned accounts. Disclosure statements are available at all branch locations. FDIC Insured.

All IRAs/CESAs have specific eligibility requirements, modified adjusted gross income limits, contribution and deductibility limits and possible IRS and Association penalties for early withdrawal. It is recommended that you consult with a tax professional to discuss your eligibility and own personal tax liability with regard to federal, state and local income tax implications.