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.
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.
Membership is open to employees of the Town of Hempstead and several specific villages, as well as volunteer firefighters and members of the Baldwin Chamber of Commerce. Family members of eligible individuals are also invited to join.
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.
Sidney Federal Credit Union serves residents and workers in 11 New York counties and 18 specific towns across Broome, Oneida, and Herkimer counties. Membership is also open to employees of the credit union and immediate family or household members of current members.
Affinity Federal Credit Union is open to anyone nationwide who makes a one-time $5 donation to the Affinity Foundation or joins a qualifying association. Employees of over 2,000 partner businesses and family members of current members are also eligible to join.
Membership is generally available to those who live, work, worship, or attend school in or near Canandaigua, New York.
Service Credit Union offers nationwide membership to anyone in the U.S. who joins the American Consumer Council or the Financial Fitness Association for free. It also primarily serves active duty military, veterans, Department of Defense employees, and their families.
Transportation Federal Credit Union is open to employees of the Department of Transportation and various transportation-related agencies. Anyone else in the U.S. can become eligible by joining the American Consumer Council (ACC).
Lower East Side People's FCU serves residents and workers in various NYC neighborhoods including the Lower East Side and Harlem, NYC residents earning under $50,000, and employees of partner organizations like Drivers Coop.
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.
See which of these credit unions you can join
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Common questions
Daily. We re-scrape the publicly posted rate pages from every credit union that lends in New York every morning.
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.
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