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    ACCESS mortgage rates

    ACCESS's lowest publicly advertised 30-year fixed rate today is 6.75% — the national average is 6.88%. That's about $12,477 saved over the life of a $400,000, 30-year loan. We track ACCESS daily and refresh rates every morning.

    Rates as of Sep 11, 2026

    Today's rates from ACCESS

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.75%——Sep 11, 2026Visit
    20 Year Fixed6.5%——Sep 11, 2026Visit
    15 Year Fixed6%——Sep 11, 2026Visit
    10 Year Fixed5.75%——Sep 11, 2026Visit
    Visit ACCESS's rates page

    Rate history

    Lowest daily rate ACCESS advertised for each product, 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

    Lending states not published; shown as serving its chartered area. Confirm directly with ACCESS.

    New York

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

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