Today's rate snapshot
Click a card to switch the table below to that loan type.
How rates trended in New York
Daily average across every credit union lending in NY, past 90 days. Dashed line is the national FRED benchmark, plotted on the date FRED assigns each reading (it is published about a day later).
Mortgage rates in New York
Credit unions lending in New York
Membership is available to those who live, work, worship, or attend school in various New York towns including Jamestown, Dunkirk, and Chautauqua. Employees of specific local companies like Ford Motor Co. (Buffalo Stamping Plant) and members of several community associations are also eligible.
Actors Federal Credit Union serves the entertainment community, including members of Actors' Equity, SAG-AFTRA, and over 100 other industry organizations. Immediate family members and performers under 18 seeking Coogan Accounts are also eligible to join.
Membership is open to residents and their immediate family members who live, work, worship, or attend school in Clinton, Essex, and Franklin Counties, along with several specific towns in St. Lawrence County, New York.
Membership at Hudson River Community Credit Union is open to anyone who lives, works, worships, or attends school in Saratoga, Warren, Washington, or Rensselaer counties, or in the Towns of Cohoes, Watervliet, or Green Island. Immediate family members of current members are also eligible to join.
Membership is exclusively available to individual REALTORS, local REALTOR boards, and employees of those boards throughout New York State, as well as their immediate family members.
SUMA Federal Credit Union membership is exclusive to members of the Ukrainian-American Youth Association (Yonkers Branch) and parishioners of select Ukrainian Catholic and Baptist churches in New York, Connecticut, and Florida.
Membership is available to members of the Ukrainian Orthodox Cathedral of Holy Trinity and St. Vladimir in New York City, as well as members and employees of St. Andrew Ukrainian Orthodox Church in South Bound Brook, NJ.
Guthrie Community Credit Union is open to anyone who lives, works, worships, or attends school in the New York counties of Tompkins, Schuyler, Tioga, Chemung, and Steuben, or the Pennsylvania counties of Bradford and Tioga. Immediate family members of existing credit union members are also eligible to join.
Membership is available to employees and officials of the Town of Cheektowaga and the Villages of Depew and Sloan, as well as members of several local fire departments, VFW posts, and the Cheektowaga Historical Association. Immediate family and household members of eligible individuals are also invited to join.
Membership is open to anyone who lives, works, worships, attends school, or conducts business in Erie County or Niagara County, New York. Family members of existing members are also typically eligible to join.
See which of these credit unions you can join
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Common questions
Twice a week — every Monday and Thursday. We re-read the publicly posted rate pages from every credit union that lends in New Yorkstarting around 11 a.m. Central.
Yes — credit unions require membership before closing. Most let you open a share account and apply for a mortgage on the same day.
We display both when the credit union publishes them. See our APR vs. interest rate vs. points guide.
Most large banks don't publish mortgage rates online — they quote per applicant. Credit unions almost always post theirs publicly, which is why they dominate our comparison.
How do credit union mortgage rates in New York compare to bank rates?
We don't publish bank rates, so the fairest comparison available is the national average across all lenders. Freddie Mac's weekly PMMS average puts the 30-year fixed rate at 7.24% as of October 29, 2026.
Of the 152 credit unions listed here lending in New York with a 30-year fixed mortgage, 92 advertise an interest rate with no points, no buydown and no 1%-down restriction. Among those 92, the median rate is 7% and the lowest is 6.5%, at SELF RELIANCE NY. 87 of the 92 are below the national average.
We narrow the set because a rate bought down with points is not comparable to one without points.
One caveat in our favour and one against. Freddie Mac's average includes credit unions alongside banks, so it is a blended figure — if credit union rates sit below the blend, they sit further below a bank-only average. Against: since November 17, 2022, PMMS has used actual mortgage loan applications rather than a lender survey. Our figures are advertised rates, typically a lender's best tier, not application rates. Freddie Mac also stopped publishing average points then, so we can't confirm its point structure, while every rate in our comparison set is a zero-point rate. Freddie Mac's methodology.
More on reading these numbers: APR vs. interest rate vs. points and how we collect rates.
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