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    Credit union mortgage rates
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    SPENCERPORT mortgage rates

    SPENCERPORT's lowest publicly advertised 30-year fixed rate today is 6.375% — the national average is 6.88%. That's about $48,086 saved over the life of a $400,000, 30-year loan. We track SPENCERPORT daily and refresh rates every morning.

    Rates as of Sep 11, 2026

    Today's rates from SPENCERPORT

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.375%6.535%0Sep 11, 2026Visit
    20 Year Fixed6.375%6.587%0Sep 11, 2026Visit
    15 Year Fixed5.875%6.136%0Sep 11, 2026Visit
    3 Year ARM7.75%7.281%0Sep 11, 2026Visit
    5 Year ARM6%6.683%0Sep 11, 2026Visit
    7 Year ARM6%6.58%0Sep 11, 2026Visit
    10 Year ARM6.375%6.702%0Sep 11, 2026Visit
    FHA 30 Year Fixed6.25%6.948%0Sep 11, 2026Visit
    VA 30 Year Fixed6.5%6.662%0Sep 11, 2026Visit
    30 Year Fixed Jumbo7%7.099%0Sep 11, 2026Visit
    15 Year Fixed Jumbo7.375%7.537%0Sep 11, 2026Visit
    Visit SPENCERPORT's rates page

    Rate history

    Lowest daily rate SPENCERPORT advertised for each product, 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

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

    New York

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

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