Today's rates from ACCESS
| Product | Rate | APR | Points | As of | Source | |
|---|---|---|---|---|---|---|
| 30 Year Fixed | 6.75% | 7.013% | 1.83 | Sep 11, 2026 | Visit | |
| 20 Year Fixed | 7.125% | 7.23% | 0 | Sep 11, 2026 | Visit | |
| 15 Year Fixed | 6.625% | 6.754% | 0 | Sep 11, 2026 | Visit | |
| 10 Year Fixed | 6.625% | 6.806% | 0 | Sep 11, 2026 | Visit | |
| 5 Year ARM | 7.725% | 7.717% | 2.45 | Sep 11, 2026 | Visit | |
| 7 Year ARM | 7.725% | 7.765% | 2.2 | Sep 11, 2026 | Visit | |
| 10 Year ARM | 7.725% | 7.932% | 2.9 | Sep 11, 2026 | Visit | |
| FHA 30 Year Fixed | 6.5% | 7.175% | 0 | Sep 11, 2026 | Visit | |
| FHA 15 Year Fixed | 6.625% | 7.283% | 0 | Sep 11, 2026 | Visit | |
| VA 30 Year Fixed | 6.75% | 7.012% | 0 | Sep 11, 2026 | Visit | |
| VA 15 Year Fixed | 6.625% | 7.144% | 0.555 | Sep 11, 2026 | Visit | |
| 30 Year Fixed Jumbo | 7.25% | 7.295% | 0.25 | Sep 11, 2026 | Visit | |
| 15 Year Fixed Jumbo | 6.125% | 6.156% | 0 | Sep 11, 2026 | Visit |
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 individuals who live, work, worship, or attend school in the City of Oneida or the New York counties of Fulton, Hamilton, Herkimer, Lewis, Madison, Montgomery, Oneida, and Otsego. Immediate family members of current 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.
Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.
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