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    ALCO mortgage rates

    ALCO's lowest publicly advertised 30-year fixed rate today is 6.625% — the national average is 6.805%. That's about $17,204 saved over the life of a $400,000, 30-year loan. We track ALCO daily and refresh rates every morning.

    Rates as of Sep 8, 2026

    Today's rates from ALCO

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.625%6.772%0Sep 8, 2026Visit
    20 Year Fixed6.875%7.073%0Sep 8, 2026Visit
    15 Year Fixed6.375%6.484%0Sep 8, 2026Visit
    FHA 30 Year Fixed6.5%7.442%0Sep 8, 2026Visit
    VA 30 Year Fixed6.625%7.038%0Sep 8, 2026Visit
    USDA 30 Year Fixed6.375%7.037%0Sep 8, 2026Visit
    Visit ALCO's rates page

    Rate history

    Lowest daily rate ALCO advertised for each product, 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

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

    New York

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

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