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    Credit union mortgage rates
    Home state: New York
    Lends in 1 state

    SECNY mortgage rates

    SECNY's lowest publicly advertised 30-year fixed rate today is 7% rate — the national average is 7.147%. That's about $14,258 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 SECNY's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from SECNY

    ProductRateAPRPointsWe readSource
    30 Year Fixed7%—Lender publishes rate only—Nov 2, 2026Visit
    20 Year Fixed6.75%—Lender publishes rate only—Nov 2, 2026Visit
    15 Year Fixed6.5%—Lender publishes rate only—Nov 2, 2026Visit
    10 Year Fixed6.25%—Lender publishes rate only—Nov 2, 2026Visit
    Visit SECNY'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 SECNY

    Membership at SECNY Federal Credit Union is open to anyone who lives, works, worships, or attends school in Onondaga, Cayuga, Madison, and Oswego counties, including businesses and legal entities within these counties. Immediate family members of current members and household members (those living in the same residence and maintaining a single economic unit) are also eligible. Historically, the credit union served employees, association members, club members, and students from sponsor groups, including all public and parochial schools, colleges, and universities in Central New York.

    Family of a member
    immediate family, household member
    County
    Onondaga, NY, Madison, NY, Oswego, NY, Cayuga, NY

    Where SECNY writes mortgages

    SECNY 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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