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    Credit union mortgage rates
    Home state: New York
    Lends in 1 state

    ACCESS mortgage rates

    ACCESS's lowest publicly advertised 30-year fixed rate today is 7% APR — the national average is 7.147%. That's about $14,258 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read ACCESS's rates every weekday, starting around 11 a.m. Central.

    We last read ACCESS's rates page on Nov 2, 2026. ACCESS dates its published rate sheet Nov 2, 2026.

    Today's rates from ACCESS

    ProductRateAPRPointsWe readSource
    30 Year Fixed—Lender publishes APR only7%—Nov 2, 2026Visit
    20 Year Fixed—Lender publishes APR only6.75%—Nov 2, 2026Visit
    15 Year Fixed—Lender publishes APR only6.425%—Nov 2, 2026Visit
    10 Year Fixed—Lender publishes APR only6.375%—Nov 2, 2026Visit
    Visit ACCESS's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join ACCESS

    Membership is open to anyone who lives, works, worships, or attends school in the City of Oneida or within Fulton, Hamilton, Herkimer, Lewis, Madison, Montgomery, Oneida, or Otsego Counties in New York. Immediate family members of current credit union members are also eligible to join.

    County
    Fulton County, NY, Hamilton County, NY, Herkimer County, NY, Lewis County, NY, Madison County, NY, Montgomery County, NY, Oneida County, NY, Otsego County, NY
    City
    Oneida, NY

    Where ACCESS writes mortgages

    ACCESS publishes mortgage lending in 1 state.

    New York

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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