5/1 ARM
First 5 Years
6.250% Rate
6.833% APR*
Rate may adjust every year
*Annual Percentage Rate. Rate current as of 7/18/2025. An excellent credit profile including a FICO score of 750. Your actual rate may be higher than those shown based on information relating to these factors as determined after you apply. Rate listed applies to owner-occupied primary residence loans of $15,000 - $825,000, up to 89.5% Loan to Value. The term of the loan is 30 years. Lifetime rate cap of 6.00% above intro rate. Advertised rate is discounted 0.125% for automatic payments from your Trustco Bank deposit account. The initial 60 monthly payments will be $6.16 per $1,000 borrowed. After initial 5 year period, Trustco may adjust its mortgage rate every 12 months thereafter based on variable 1-Year Constant Maturity Treasury reported weekly (currently 4.125%) + 3.00% margin over the life of the loan rounded up to next .125%, with a maximum increase of 2.00% per period. Rate current as of 7/18/2025. Based on the current fully indexed rate, the rate will be 7.125% the monthly payments will be $6.67 per $1,000 borrowed. Payments do not include amounts for taxes and insurance premiums. Actual payment will be greater. Rate applies to new purchases and refinances only. The APR and payments may be increased after consummation. Please note: We reserve the right to alter or withdraw these products or certain features thereof without prior notification. 1. Lender paid Private Mortgage Insurance on loans over 89.5% Loan to Value. All loans subject to credit approval. NMLS #474376
7/1 ARM
First 7 Years
6.375% Rate
6.793% APR*
Rate may adjust every year
*Annual Percentage Rate. Rate current as of 7/18/2025. An excellent credit profile including a FICO score of 750. Your actual rate may be higher than those shown based on information relating to these factors as determined after you apply. Rate listed applies to owner-occupied primary residence loans of $15,000 - $825,000, up to 89.5% Loan to Value. The term of the loan is 30 years. Lifetime rate cap of 6.00% above intro rate. Advertised rate is discounted 0.125% for automatic payments from your Trustco Bank deposit account. The initial 84 monthly payments will be $6.24 per $1,000 borrowed. After initial 7 year period, Trustco may adjust its mortgage rate every 12 months thereafter based on variable 1-Year Constant Maturity Treasury reported weekly (currently 4.125%) + 3.00% margin over the life of the loan rounded up to next .125%, with a maximum increase of 2.00% per period. Rate current as of 7/18/2025. Based on the current fully indexed rate, the rate will be 7.125% the monthly payments will be $6.66 per $1,000 borrowed. Payments do not include amounts for taxes and insurance premiums. Actual payment will be greater. Rate applies to new purchases and refinances only. The APR and payments may be increased after consummation. Please note: We reserve the right to alter or withdraw these products or certain features thereof without prior notification. 1. Lender paid Private Mortgage Insurance on loans over 89.5% Loan to Value. All loans subject to credit approval. NMLS #474376
10/1 ARM
First 10 Years
6.375% Rate
6.685% APR*
Rate may adjust every year
*Annual Percentage Rate. Rate current as of 7/18/2025. An excellent credit profile including a FICO score of 750. Your actual rate may be higher than those shown based on information relating to these factors as determined after you apply. Rate listed applies to owner-occupied primary residence loans of $15,000 - $825,000, up to 89.5% Loan to Value. The term of the loan is 30 years. Lifetime rate cap of 6.00% above intro rate. Advertised rate is discounted 0.125% for automatic payments from your Trustco Bank deposit account. The initial 120 monthly payments will be $6.24 per $1,000 borrowed. After initial 10 year period, Trustco may adjust its mortgage rate every 12 months thereafter based on variable 1-Year Constant Maturity Treasury reported weekly (currently 4.125%) + 3.00% margin over the life of the loan rounded up to next .125%, with a maximum increase of 2.00% per period. Rate current as of 7/18/2025. Based on the current fully indexed rate, the rate will be 7.125% the monthly payments will be $6.62 per $1,000 borrowed. Payments do not include amounts for taxes and insurance premiums. Actual payment will be greater. Rate applies to new purchases and refinances only. The APR and payments may be increased after consummation. Please note: We reserve the right to alter or withdraw these products or certain features thereof without prior notification. 1. Lender paid Private Mortgage Insurance on loans over 89.5% Loan to Value. All loans subject to credit approval. NMLS #474376
3/3 ARM
First 3 Years
5.875% Rate
6.676% APR*
Rate may adjust every three years
*Annual Percentage Rate. Rate current as of 7/18/2025. An excellent credit profile including a FICO score of 750. Your actual rate may be higher than those shown based on information relating to these factors as determined after you apply. Rate listed applies to owner-occupied primary residence loans of $15,000 - $825,000, up to 89.5% Loan to Value. The term of the loan is 30 years. Lifetime rate cap of 6.00% above intro rate. Advertised rate is discounted 0.125% for automatic payments from your Trustco Bank deposit account. The initial 36 monthly payments will be $5.92 per $1,000 borrowed. After initial 3 year period, Trustco may adjust its mortgage rate every 36 months thereafter based on variable 3-Year Constant Maturity Treasury reported weekly (currently 3.676%) + 3.00% margin over the life of the loan rounded up to next .125%, with a maximum increase of 2.00% per period. Rate current as of 7/18/2025. Based on the current fully indexed rate, the rate will be 6.676% the monthly payments will be $6.52 per $1,000 borrowed. Payments do not include amounts for taxes and insurance premiums. Actual payment will be greater. Rate applies to new purchases and refinances only. The APR and payments may be increased after consummation. Please note: We reserve the right to alter or withdraw these products or certain features thereof without prior notification. 1. Lender paid Private Mortgage Insurance on loans over 89.5% Loan to Value. All loans subject to credit approval. NMLS #474376
