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    Credit union mortgage rates
    Home state: New York
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    MUNICIPAL mortgage rates

    MUNICIPAL's lowest publicly advertised 30-year fixed rate today is 6.962% APR — the national average is 7.147%. That's about $17,930 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 MUNICIPAL's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from MUNICIPAL

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.75%6.962%2Nov 2, 2026Visit
    20 Year Fixed6.625%6.648%0Nov 2, 2026Visit
    15 Year Fixed6.5%6.529%0Nov 2, 2026Visit
    10 Year Fixed6.375%6.415%0Nov 2, 2026Visit
    5 Year ARM6.375%6.43%0Nov 2, 2026Visit
    7 Year ARM6.625%6.662%0Nov 2, 2026Visit
    10 Year ARM6.875%6.893%0Nov 2, 2026Visit
    30 Year Fixed Jumbo6.875%7.08%2Nov 2, 2026Visit
    20 Year Fixed Jumbo6.75%6.762%0Nov 2, 2026Visit
    15 Year Fixed Jumbo6.625%6.639%0Nov 2, 2026Visit
    30 Year Fixed Super Conforming7.25%7.461%2Nov 2, 2026Visit
    15 Year Fixed Super Conforming7%7.017%0Nov 2, 2026Visit
    Visit MUNICIPAL'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 MUNICIPAL

    Membership in Municipal Credit Union is open to people who live, work, worship, or attend school in New York City (NYC).

    City
    New York City, NY

    Where MUNICIPAL writes mortgages

    MUNICIPAL publishes mortgage lending in 1 state.

    New York

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

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