Home state: New York
    Lends in 1 state

    TCT mortgage rates

    TCT's lowest publicly advertised 30-year fixed rate today is 6.997% APR — the national average is 7.147%. That's about $14,548 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 TCT's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from TCT

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.875%6.997%0Nov 2, 2026Visit
    15 Year Fixed6.25%6.445%0Nov 2, 2026Visit

    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 TCT

    TCT Federal Credit Union membership is open to individuals who live, work, or attend school in Saratoga, Warren, or Washington Counties, NY. Eligibility also extends to faculty and staff of over 70 school districts, students of specific local schools including SUNY Adirondack, and immediate family or household members of current members.

    Association / SEG
    Ballston Spa Central School, Cambridge Central School, Lake George Central School, Stillwater Central School, SUNY Adirondack
    County
    Saratoga County, NY, Warren County, NY, Washington County, NY

    Where TCT writes mortgages

    TCT publishes mortgage lending in 1 state.

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

    Not sure if TCT is your best fit?

    Compare every credit union you can actually join

    Enter your ZIP to see every credit union — including TCT if you qualify — ranked by today's rate.

    Get notified when TCT's 30 Year Fixed rate changes
    Optional. No weekly digests, no spam — one email only when rates actually move. Manage or unsubscribe anytime.
    Advanced: adjust thresholds
    bps (0.10%)
    Optional. Emails when the rate reaches this level.

    More credit unions in New York

    See all New York credit union mortgage rates