--- title: "Kaleida Health Credit Union Rates: CDs to 3.35%, Mortgage 7.28%" description: "Kaleida Health Credit Union rates today: 30 year fixed mortgage 7.28% APR, savings & CDs up to 3.35% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Kaleida Health Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/kaleida-health" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Kaleida Health Credit Union Rates: CDs to 3.35%, Mortgage 7.28% ### Mortgage rates 4 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.281% APR | 7.125% | — | Standard | | **USDA 30-Year Fixed** 30 year fixed | 7.808% APR | 7.125% | — | Standard | | **VA 30-Year Fixed** 30 year fixed | 7.943% APR | 7.500% | — | Standard | | **FHA 30-Year Fixed** 30 year fixed | 8.488% APR | 7.500% | — | Standard | Kaleida Health Credit Union mortgage rates as of November 13, 2026 ### Savings & CD rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Share** savings | 0.15% APY | 0.15% | — | Standard | | **Certificate** cd | 3.35% APY | 3.35% | — | Standard | Kaleida Health Credit Union savings & cd rates as of November 13, 2026 As of November 13, 2026, Kaleida Health Credit Union offers a 30-year fixed mortgage at 7.281% APR. Savings and certificate yields up to 3.35% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/kaleida-health) , verified from [Kaleida Health Credit Union's official website](https://www.kaleidahealthfcu.org/) Best product position **Room to improve vs. the New York median** 30-year fixed mortgage Gap to state best **75 bp** 75 bp from state best Vs. state median **6 bp behind 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 | 7.28% | Room to improve vs. the New York median | 75 bp from state best | 6 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Kaleida Health 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=kaleida-health&state=new-york&code=NY&name=Kaleida%20Health%20Credit%20Union) Loading branch locator… ## About Kaleida Health Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3.2K Assets $20.4M Founded 1975 Locations reported 3 NCUA charter 22220 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Financial counseling - Financial education 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. [**Buffalo Metropolitan** Main-62 S Elmwood Ave Buffalo, NY 14202-2609 · Buffalo · NY · 14202-2609 About 1.6 miles away](https://rateapi.dev/credit-unions/new-york/buffalo-metropolitan) [**Erie County Employees** Erie County Employees Credit Unio · Buffalo · NY · 14202-3927 About 1.8 miles away](https://rateapi.dev/credit-unions/new-york/erie-county-employees) [**Great Erie** Downtown Office · Buffalo · NY · 14202 About 2.1 miles away](https://rateapi.dev/credit-unions/new-york/great-erie) [**Broadview** Buffalo · Buffalo · NY · 14202 About 2.1 miles away](https://rateapi.dev/credit-unions/new-york/broadview) [**Ukrainian** Buffalo Branch · Buffalo · NY · 14204 About 2.4 miles away](https://rateapi.dev/credit-unions/new-york/ukrainian) [**Morton Lane** ROSWELL PARK · Buffalo · NY · 14263-0001 About 2.6 miles away](https://rateapi.dev/credit-unions/new-york/morton-lane) 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 Kaleida Health Credit Union Membership eligibility from Kaleida Health Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Kaleida Health Credit Union's website. Check the membership page below to confirm whether you qualify. - Location erie, niagara — NY - Employer Kaleida Health Verified from [Kaleida Health Credit Union's membership page](https://www.kaleidahealthfcu.org/about-kaleida-health-federal-credit-union-khfcu/) . Final membership determination is always made by the credit union. ## Membership rules for Kaleida Health Credit Union Geography 2 counties · Employers · Family 2 5 published paths to membership, last verified August 27, 2026, quoted from Kaleida Health Credit Union’s own published criteria. ### Geography 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Erie County, NY - Niagara County, NY “persons who work regularly in the Health Care Industry in the New York counties of Erie or Niagara” > [source ↗](https://www.kaleidahealthfcu.org/about-kaleida-health-federal-credit-union-khfcu/) ### Employers 1 Human-reviewed quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Kaleida Health “Employees of Kaleida Health” > [source ↗](https://www.kaleidahealthfcu.org/about-kaleida-health-federal-credit-union-khfcu/) - Employee of Kaleida Health ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member “and their family members, are eligible to join KHFCU.” > [source ↗](https://www.kaleidahealthfcu.org/about-kaleida-health-federal-credit-union-khfcu/) - Family member of a member - Family of someone eligible family “Employees of Kaleida Health, Brylin Hospital along with persons who work regularly in the Health Care Industry in the New York counties of Erie or Niagara, and their family members, are eligible to join KHFCU.” > [source ↗](https://www.kaleidahealthfcu.org/about-kaleida-health-federal-credit-union-khfcu/) - Family member (family) of an eligible person 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 Kaleida Health Credit Union? Yes No ## Work at Kaleida Health 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 Kaleida Health Credit Union ranks against New York peers. - See which AI assistants fetched Kaleida Health 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=kaleida-health&state=new-york&code=NY&name=Kaleida%20Health%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Kaleida Health Credit Union offer? Kaleida Health Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Kaleida Health Credit Union rates updated? RateAPI verifies Kaleida Health Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Kaleida Health Credit Union's rate data? Rate data is collected directly from Kaleida Health 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 Kaleida Health Credit Union's mortgage rate? As of November 13, 2026, Kaleida Health Credit Union offers a 30-year fixed mortgage at 7.281% APR. ### What is Kaleida Health Credit Union's best CD rate? As of November 13, 2026, Kaleida Health Credit Union offers savings and certificate (CD) yields up to 3.35% APY. ### Who can join Kaleida Health Credit Union? Kaleida Health Credit Union publishes its membership criteria on its own website. RateAPI tracks 5 published membership paths covering 2 counties and 1 employer for Kaleida Health Credit Union, each quoted from Kaleida Health Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Kaleida Health 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.kaleidahealthfcu.org/) ### 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 Kaleida Health 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 Kaleida Health Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /kaleida-health " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Kaleida Health Credit Union locations Search, filter, and browse all 3 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/kaleida-health Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp