Home state: New York
    Lends in 1 state

    TONAWANDA VALLEY mortgage rates

    TONAWANDA VALLEY's lowest publicly advertised 30-year fixed rate today is 8.58% rate — the national average is 7.147%. We read TONAWANDA VALLEY's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from TONAWANDA VALLEY

    ProductRateAPRPointsWe readSource
    30 Year Fixed8.58%—Lender publishes rate only—Nov 2, 2026Visit
    15 Year Fixed8.12%—Lender publishes rate only—Nov 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 TONAWANDA VALLEY

    Membership is open to individuals who live, work, worship, or attend school in the New York counties of Allegany, Cattaraugus, Chautauqua, Chemung, Genesee, Livingston, Ontario, Orleans, Schuyler, Seneca, Steuben, Wayne, Wyoming, or Yates. Immediate family members or household members of an eligible member also qualify. Additionally, individuals associated with select employers are eligible for membership.

    County
    Allegany County, NY, Cattaraugus County, NY, Chautauqua County, NY, Chemung County, NY, Genesee County, NY, Livingston County, NY, Ontario County, NY, Orleans County, NY, Schuyler County, NY, Seneca County, NY, Steuben County, NY, Wayne County, NY…

    Where TONAWANDA VALLEY writes mortgages

    TONAWANDA VALLEY publishes mortgage lending in 1 state.

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

    Not sure if TONAWANDA VALLEY is your best fit?

    Compare every credit union you can actually join

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

    Get notified when TONAWANDA VALLEY'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