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    Home state: New York
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    N Y TEAM mortgage rates

    N Y TEAM's lowest publicly advertised 30-year fixed rate today is 7.154% APR — the national average is 7.147%. We read N Y TEAM's rates every weekday, starting around 11 a.m. Central.

    We last read N Y TEAM's rates page on Nov 2, 2026.

    Today's rates from N Y TEAM

    ProductRateAPRPointsWe readSource
    30 Year Fixed7%7.154%0Nov 2, 2026Visit
    20 Year Fixed7%7.2%0Nov 2, 2026Visit
    15 Year Fixed6.875%7.121%0Nov 2, 2026Visit
    FHA 30 Year Fixed7%7.964%0Nov 2, 2026Visit
    VA 30 Year Fixed7.125%7.555%0Nov 2, 2026Visit
    USDA 30 Year Fixed6.875%7.551%0Nov 2, 2026Visit
    Visit N Y TEAM'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 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

    N Y TEAM 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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