Home state: New York
    Lends in 1 state

    BEGINNINGS mortgage rates

    BEGINNINGS's lowest publicly advertised 30-year fixed rate today is 6.896% APR — the national average is 7.147%. That's about $24,295 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 BEGINNINGS's rates every weekday, starting around 11 a.m. Central.

    We last read BEGINNINGS's rates page on Nov 2, 2026. BEGINNINGS dates its published rate sheet Oct 29, 2026.

    Today's rates from BEGINNINGS

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.875%6.896%—Nov 2, 2026
    Lender's sheet dated Oct 29, 2026
    Visit
    15 Year Fixed6.5%6.513%—Nov 2, 2026
    Lender's sheet dated Oct 29, 2026
    Visit
    7 Year ARM5.875%6.965%—Nov 2, 2026
    Lender's sheet dated Oct 29, 2026
    Visit

    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 BEGINNINGS

    Membership is open to anyone who lives, works, worships, attends school, or owns a business in Onondaga County, New York.

    County
    Onondaga County, NY

    Where BEGINNINGS writes mortgages

    BEGINNINGS publishes mortgage lending in 1 state.

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

    Not sure if BEGINNINGS is your best fit?

    Compare every credit union you can actually join

    Enter your ZIP to see every credit union — including BEGINNINGS if you qualify — ranked by today's rate.

    Get notified when BEGINNINGS's 30 Year Fixed rate changes
    Optional. No weekly digests, no spam — one email only when rates actually move. Manage or unsubscribe anytime.
    Advanced: adjust thresholds
    bps (0.10%)
    Optional. Emails when the rate reaches this level.

    More credit unions in New York

    See all New York credit union mortgage rates