Home state: New York

    SIDNEY mortgage rates

    SIDNEY's lowest publicly advertised 30-year fixed rate today is 6.125% — the national average is 6.805%. That's about $64,293 saved over the life of a $400,000, 30-year loan. We track SIDNEY daily and refresh rates every morning.

    Today's rates from SIDNEY

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.125%6.162%Sep 8, 2026Visit
    20 Year Fixed5.875%5.924%Sep 8, 2026Visit
    15 Year Fixed5.75%5.812%Sep 8, 2026Visit

    Rate history

    Lowest daily rate SIDNEY advertised for each product, past 90 days.

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

    Who can join SIDNEY

    Sidney Federal Credit Union serves residents and workers in 11 New York counties and 18 specific towns across Broome, Oneida, and Herkimer counties. Membership is also open to employees of the credit union and immediate family or household members of current members.

    Employer
    Sidney Federal Credit Union
    County
    Chenango County, NY, Cortland County, NY, Delaware County, NY, Essex County, NY, Fulton County, NY, Hamilton County, NY, Madison County, NY, Montgomery County, NY, Onondaga County, NY, Otsego County, NY, Schoharie County, NY
    City
    Colesville, NY, Sandford, NY, Windsor, NY, Sangerfield, NY, Bridgewater, NY, Augusta, NY, Marshall, NY, Paris, NY, Vernon, NY, Kirland, NY, Winfield, NY, Litchfield, NY

    Where SIDNEY writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with SIDNEY.

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

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