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    Home state: New York
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    SIDNEY mortgage rates

    SIDNEY's lowest publicly advertised 30-year fixed rate today is 7.04% APR — the national average is 7.147%. That's about $10,387 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 SIDNEY's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from SIDNEY

    ProductRateAPRPointsWe readSource
    30 Year Fixed7%7.04%—Nov 2, 2026Visit
    20 Year Fixed6.25%6.3%—Nov 2, 2026Visit
    15 Year Fixed6%6.063%—Nov 2, 2026Visit
    Visit SIDNEY'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 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

    SIDNEY 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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