Home state: New York

    VISIONS mortgage rates

    VISIONS's lowest publicly advertised 30-year fixed rate today is 7.125% — the national average is 6.88%. We track VISIONS daily and refresh rates every morning.

    Rates as of Sep 10, 2026

    Today's rates from VISIONS

    ProductRateAPRPointsAs ofSource
    30 Year Fixed7.125%7.366%0Sep 10, 2026Visit
    20 Year Fixed6%6.082%0Sep 10, 2026Visit
    15 Year Fixed5.75%5.849%0Sep 10, 2026Visit
    5 Year ARM5.625%5.682%Sep 10, 2026Visit
    7 Year ARM5.75%5.809%Sep 10, 2026Visit
    10 Year ARM5.875%5.935%Sep 10, 2026Visit

    Rate history

    Lowest daily rate VISIONS advertised for each product, past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join VISIONS

    You can join Visions Federal Credit Union if you are a relative of a current member, an educator, or a veteran. They serve communities across a three-state footprint including New York, New Jersey, and Pennsylvania.

    Employer
    Binghamton University students, faculty, and staff, Public schools and select businesses in Warren County, NJ, Public schools and select businesses in Morris County, NJ, Public schools and select businesses in Sussex County, NJ, Various Select Employer Groups (SEGs) in Visions field of membership
    Military / veteran
    all US military
    Family of a member
    spouse, parent, sibling, child, household members
    County
    Broome, NY, Cayuga, NY, Chemung, NY, Chenango, NY, Cortland, NY, Delaware, NY, Madison, NY, Otsego, NY, Rockland, NY, Schuyler, NY, Steuben, NY, Tioga, NY
    City
    Rochester, NY, Syracuse, NY, Reading, PA, Allentown, PA (portions), Bethlehem, PA (portions), Easton, PA (portions)

    Where VISIONS writes mortgages

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

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

    Not sure if VISIONS is your best fit?

    Compare every credit union you can actually join

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

    Get notified when VISIONS'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