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    Credit union mortgage rates
    Home state: New York
    Lends in 2 states

    ALCO mortgage rates

    ALCO's lowest publicly advertised 30-year fixed rate today is 7.154% APR — the national average is 7.147%. We read ALCO's rates every weekday, starting around 11 a.m. Central.

    We last read ALCO's rates page on Nov 2, 2026.

    Today's rates from ALCO

    ProductRateAPRPointsWe readSource
    30 Year Fixed7%7.154%0Nov 2, 2026Visit
    20 Year Fixed7%7.2%0Nov 2, 2026Visit
    15 Year Fixed6.875%7.121%0Nov 2, 2026Visit
    FHA 30 Year Fixed7%7.964%0Nov 2, 2026Visit
    VA 30 Year Fixed7.125%7.555%0Nov 2, 2026Visit
    USDA 30 Year Fixed6.875%7.551%0Nov 2, 2026Visit
    Visit ALCO'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 ALCO

    Membership is open to individuals who live, work, worship, or attend school in Allegany, Cattaraugus, Steuben, or Wyoming Counties in New York, or McKean and Potter Counties in Pennsylvania. Family and household members of current members are also eligible to join.

    Employer
    Alco Federal Credit Union
    County
    Allegany County, NY, Cattaraugus County, NY, Steuben County, NY, Wyoming County, NY, McKean County, PA, Potter County, PA

    Where ALCO writes mortgages

    ALCO publishes mortgage lending in 2 states.

    New YorkPennsylvania

    Pennsylvania counties where ALCO serves members

    McKean County, PAPotter County, PA

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

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