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    FINGER LAKES mortgage rates

    FINGER LAKES's lowest publicly advertised 30-year fixed rate today is 6.889% APR — the national average is 7.147%. That's about $24,969 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 FINGER LAKES's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from FINGER LAKES

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.75%6.889%0.75Nov 2, 2026
    Lender's sheet dated Oct 29, 2026
    Visit
    20 Year Fixed6.5%6.679%0.75Nov 2, 2026
    Lender's sheet dated Oct 29, 2026
    Visit
    15 Year Fixed6.25%6.431%0.5Nov 2, 2026
    Lender's sheet dated Oct 29, 2026
    Visit
    10 Year Fixed6%6.252%0.5Nov 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 FINGER LAKES

    Membership is open to individuals who live, work, worship, or attend school in Monroe, Ontario, Seneca, or Yates counties in New York, as well as their immediate family members.

    Employer
    Finger Lakes Federal Credit Union
    County
    Ontario County, NY, Monroe County, NY, Seneca County, NY, Yates County, NY

    Where FINGER LAKES writes mortgages

    FINGER LAKES publishes mortgage lending in 1 state.

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

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