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

    SPENCERPORT mortgage rates

    SPENCERPORT's lowest publicly advertised 30-year fixed rate today is 6.661% APR — the national average is 7.147%. That's about $46,816 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 SPENCERPORT's rates every weekday, starting around 11 a.m. Central.

    We last read SPENCERPORT's rates page on Nov 2, 2026. SPENCERPORT dates its published rate sheet Nov 2, 2026.

    Today's rates from SPENCERPORT

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.5%6.661%—Nov 2, 2026Visit
    20 Year Fixed6.375%6.586%—Nov 2, 2026Visit
    15 Year Fixed6%6.261%—Nov 2, 2026Visit
    3 Year ARM7.75%7.559%—Nov 2, 2026Visit
    5 Year ARM6.25%7.004%—Nov 2, 2026Visit
    7 Year ARM6.25%6.885%—Nov 2, 2026Visit
    10 Year ARM6.375%6.825%—Nov 2, 2026Visit
    FHA 30 Year Fixed6.375%7.075%—Nov 2, 2026Visit
    VA 30 Year Fixed6.5%6.661%—Nov 2, 2026Visit
    30 Year Fixed Jumbo7.25%7.351%—Nov 2, 2026Visit
    15 Year Fixed Jumbo7.5%7.662%—Nov 2, 2026Visit
    Visit SPENCERPORT'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 SPENCERPORT

    Membership is open to individuals who live, work, worship, volunteer, or attend school in Monroe or Orleans Counties, NY. Immediate family and household members of current credit union members are also eligible to join.

    County
    Monroe County, NY, Orleans County, NY

    Where SPENCERPORT writes mortgages

    SPENCERPORT 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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