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    N Y TEAM mortgage rates

    N Y TEAM'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 N Y TEAM daily and refresh rates every morning.

    Rates as of Sep 8, 2026

    Today's rates from N Y TEAM

    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 N Y TEAM's rates page

    Rate history

    Lowest daily rate N Y TEAM advertised for each product, past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join N Y TEAM

    NY TEAM Federal Credit Union serves employees of various railroad and transportation agencies including the MTA, Amtrak, and NJ Transit, as well as several local employers and credit union trade associations. Immediate family members of current members are also eligible to join.

    Employer
    The Long Island Rail Road Company, Metropolitan Transportation Authority, Staten Island Rapid Transit, Amtrak, Conrail, NJ Transit, Metro North, Aeroflex, Eagle Electric, This Week Publications, Visiting Nurses, NCC…

    Where N Y TEAM writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with N Y TEAM.

    New York

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

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