--- title: "Genesee Co-Op Credit Union: #1 Mortgage in New York" description: "Genesee Co-Op Credit Union has the lowest tracked 30-year fixed mortgage rate in New York (6.54% APR) among 35 credit unions we verify. Genesee Co-Op Credit Union rates today: 30 year fixed mortgage 6.54% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Genesee Co-Op Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/genesee-co-op" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Genesee Co-Op Credit Union: #1 Mortgage in New York ### Mortgage rates 7 offers | Product | Published | Rate | Term / condition | Status | | **VA 30 Year Fixed - Conforming** 30 year fixed | 6.535% APR | 6.375% | — | Standard | | **FHA 30-Year Fixed - Conforming** 30 year fixed | 6.948% APR | 6.250% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.040% APR | 6.875% | — | Standard | | **Jumbo 30-Year Fixed** 30 year fixed | 7.225% APR | 7.125% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.765% APR | 6.500% | — | Standard | | **Jumbo 15-Year Fixed** 15 year fixed | 7.663% APR | 7.500% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.965% APR | 6.750% | — | Standard | Genesee Co-Op Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Genesee Co-Op Credit Union offers a 30-year fixed mortgage at 6.535% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/genesee-co-op) , verified from [Genesee Co-Op Credit Union's official website](https://www.genesee.coop/) Best product position **#1 of 35** 30-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **69 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked New York markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.54% | #1 of 35 · lowest in New York | State market leader | 69 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Genesee Co-Op Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=genesee-co-op&state=new-york&code=NY&name=Genesee%20Co-Op%20Credit%20Union) Loading branch locator… ## About Genesee Co-Op Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 4.5K Assets $47.8M Founded 1981 Locations reported 1 NCUA charter 23848 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Advantage** Mt Hope · Rochester · NY · 14620 About 1.1 miles away](https://rateapi.dev/credit-unions/new-york/advantage) [**Esl** ESL FCU · Rochester · NY · 14604 About 1.7 miles away](https://rateapi.dev/credit-unions/new-york/esl) [**The Summit** BRIGHTON · ROCHESTER · NY · 14618 About 1.8 miles away](https://rateapi.dev/credit-unions/new-york/the-summit) [**Rochester & Monroe Co Emp** Sister Cities · Rochester · NY · 14614-1211 About 2.0 miles away](https://rateapi.dev/credit-unions/new-york/rochester-monroe-co-emp) [**Visions** Rochester · Rochester · NY · 14609 About 2.6 miles away](https://rateapi.dev/credit-unions/new-york/visions) [**Family First of NY** Henrietta Branch · Rochester · NY · 14623 About 2.9 miles away](https://rateapi.dev/credit-unions/new-york/family-first-of-ny) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Genesee Co-Op Credit Union Membership eligibility from Genesee Co-Op Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Genesee Co-Op Credit Union's website. Check the membership page below to confirm whether you qualify. - Association Amvets, Community Darkroom, Gay Alliance of Genesee Valley, Genesee Co-op Natural Foodstore (dba Abundance Cooperative Market), Metro-Justice, 19th Ward Community Association, Open Sky Yoga, Rochester Friends Monthly Meeting, South East Area Coalition, CWA 1170 Verified from [Genesee Co-Op Credit Union's membership page](https://www.genesee.coop/become-a-member) . Final membership determination is always made by the credit union. ## Membership rules for Genesee Co-Op Credit Union Associations 10 · Family 11 published paths to membership, last verified November 8, 2026, quoted from Genesee Co-Op Credit Union’s own published criteria. ### Associations 10 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Member of AmVets “You can also join our credit union if you are a member of the following community organizations: Amvets Community Darkroom Gay Alliance of Genesee Valley Genesee Co-op Natural Foodstore (dba Abundance Cooperative Market) Metro-Justice 19th Ward Community Association Open Sky Yoga Rochester Friends…” > [source ↗](https://www.genesee.coop/become-a-member) - Member of AmVets - Member of Community Darkroom “You can also join our credit union if you are a member of the following community organizations: Amvets Community Darkroom Gay Alliance of Genesee Valley Genesee Co-op Natural Foodstore (dba Abundance Cooperative Market) Metro-Justice 19th Ward Community Association Open Sky Yoga Rochester Friends…” > [source ↗](https://www.genesee.coop/become-a-member) - Member of Community Darkroom - Member of Gay Alliance of Genesee Valley “You can also join our credit union if you are a member of the following community organizations: Amvets Community Darkroom Gay Alliance of Genesee Valley Genesee Co-op Natural Foodstore (dba Abundance Cooperative Market) Metro-Justice 19th Ward Community Association Open Sky Yoga Rochester Friends…” > [source ↗](https://www.genesee.coop/become-a-member) - Member of Gay Alliance of Genesee Valley - Member of Genesee Co-op Natural Foodstore (dba Abundance Cooperative Market) “You can also join our credit union if you are a member of the following community organizations: Amvets Community Darkroom Gay Alliance of Genesee Valley Genesee Co-op Natural Foodstore (dba Abundance Cooperative Market) Metro-Justice 19th Ward Community Association Open Sky Yoga Rochester Friends…” > [source ↗](https://www.genesee.coop/become-a-member) - Member of Genesee Co-op Natural Foodstore (dba Abundance Cooperative Market) - Member of Metro-Justice “You can also join our credit union if you are a member of the following community organizations: Amvets Community Darkroom Gay Alliance of Genesee Valley Genesee Co-op Natural Foodstore (dba Abundance Cooperative Market) Metro-Justice 19th Ward Community Association Open Sky Yoga Rochester Friends…” > [source ↗](https://www.genesee.coop/become-a-member) - Member of Metro-Justice - Member of 19th Ward Community Association “You can also join our credit union if you are a member of the following community organizations: Amvets Community Darkroom Gay Alliance of Genesee Valley Genesee Co-op Natural Foodstore (dba Abundance Cooperative Market) Metro-Justice 19th Ward Community Association Open Sky Yoga Rochester Friends…” > [source ↗](https://www.genesee.coop/become-a-member) - Member of 19th Ward Community Association - Member of Open Sky Yoga “You can also join our credit union if you are a member of the following community organizations: Amvets Community Darkroom Gay Alliance of Genesee Valley Genesee Co-op Natural Foodstore (dba Abundance Cooperative Market) Metro-Justice 19th Ward Community Association Open Sky Yoga Rochester Friends…” > [source ↗](https://www.genesee.coop/become-a-member) - Member of Open Sky Yoga - Member of Rochester Friends Monthly Meeting “You can also join our credit union if you are a member of the following community organizations: Amvets Community Darkroom Gay Alliance of Genesee Valley Genesee Co-op Natural Foodstore (dba Abundance Cooperative Market) Metro-Justice 19th Ward Community Association Open Sky Yoga Rochester Friends…” > [source ↗](https://www.genesee.coop/become-a-member) - Member of Rochester Friends Monthly Meeting - Member of South East Area Coalition “You can also join our credit union if you are a member of the following community organizations: Amvets Community Darkroom Gay Alliance of Genesee Valley Genesee Co-op Natural Foodstore (dba Abundance Cooperative Market) Metro-Justice 19th Ward Community Association Open Sky Yoga Rochester Friends…” > [source ↗](https://www.genesee.coop/become-a-member) - Member of South East Area Coalition - Member of CWA 1170 (as written on the source page) “You can also join our credit union if you are a member of the following community organizations: Amvets Community Darkroom Gay Alliance of Genesee Valley Genesee Co-op Natural Foodstore (dba Abundance Cooperative Market) Metro-Justice 19th Ward Community Association Open Sky Yoga Rochester Friends…” > [source ↗](https://www.genesee.coop/become-a-member) - Member of CWA 1170 ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member relative, Domestic partnership “Family members of a current Genesee Co-op member are also eligible to join, including those related by: Blood Marriage Domestic partnership Adoption” > [source ↗](https://www.genesee.coop/become-a-member) - Family member (relative, Domestic partnership) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Genesee Co-Op Credit Union? Yes No ## Work at Genesee Co-Op Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Genesee Co-Op Credit Union ranks against New York peers. - See which AI assistants fetched Genesee Co-Op Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=genesee-co-op&state=new-york&code=NY&name=Genesee%20Co-Op%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Genesee Co-Op Credit Union offer? Genesee Co-Op Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Genesee Co-Op Credit Union rates updated? RateAPI verifies Genesee Co-Op Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Genesee Co-Op Credit Union's rate data? Rate data is collected directly from Genesee Co-Op Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Genesee Co-Op Credit Union's mortgage rate? As of November 12, 2026, Genesee Co-Op Credit Union offers a 30-year fixed mortgage at 6.535% APR. ### Who can join Genesee Co-Op Credit Union? Genesee Co-Op Credit Union publishes its membership criteria on its own website. RateAPI tracks 11 published membership paths covering 10 associations for Genesee Co-Op Credit Union, each quoted from Genesee Co-Op Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Genesee Co-Op Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York mortgage rate leaders](https://rateapi.dev/mortgage-rates/new-york) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.genesee.coop/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Genesee Co-Op Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Genesee Co-Op Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /genesee-co-op " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Genesee Co-Op Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-york/genesee-co-op Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp