--- title: "Local 41 I.b.e.w. Credit Union Rates (Nov 2026): Mortgage 7.15%" description: "Local 41 I.b.e.w. Credit Union rates today: 30 year fixed mortgage 7.15% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Local 41 I.b.e.w. Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/local-41-ibew" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Local 41 I.b.e.w. Credit Union Rates (Nov 2026): Mortgage 7.15% ### Mortgage rates 4 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.154% APR | 7.000% | — | Standard | | **USDA 30-Year Fixed** 30 year fixed | 7.551% APR | 6.875% | — | Standard | | **VA 30-Year Fixed** 30 year fixed | 7.555% APR | 7.125% | — | Standard | | **FHA 30-Year Fixed** 30 year fixed | 8.095% APR | 7.125% | — | Standard | Local 41 I.b.e.w. Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Local 41 I.b.e.w. Credit Union offers a 30-year fixed mortgage at 7.154% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/local-41-ibew) , verified from [Local 41 I.b.e.w. Credit Union's official website](https://www.local41fcu.com/) Best product position **Better than the New York median** 30-year fixed mortgage Gap to state best **62 bp** 62 bp from state best Vs. state median **7 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 | 7.15% | Better than the New York median | 62 bp from state best | 7 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Local 41 I.b.e.w. 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=local-41-ibew&state=new-york&code=NY&name=Local%2041%20I.b.e.w.%20Credit%20Union) Loading branch locator… ## About Local 41 I.b.e.w. Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.6K Assets $18.3M Founded 1976 Locations reported 1 NCUA charter 22447 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Financial counseling 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. [**Great Erie** Great Erie Federal Credit Union · Orchard Park · NY · 14127 About 1.5 miles away](https://rateapi.dev/credit-unions/new-york/great-erie) [**Financial Trust** Orchard Park 6520 Webster Rd · Orchard Park · NY · 14127 About 2.0 miles away](https://rateapi.dev/credit-unions/new-york/financial-trust) [**Meridia Community** Main Office · Hamburg · NY · 14075 About 4.4 miles away](https://rateapi.dev/credit-unions/new-york/meridia-community) [**Cadets** CADETS FEDERAL CREDIT UNION · ELMA · NY · 14059-9687 About 4.6 miles away](https://rateapi.dev/credit-unions/new-york/cadets) [**Circuit** HAMBURG LOCATION · Hamburg · NY · 14075 About 5.0 miles away](https://rateapi.dev/credit-unions/new-york/circuit) [**Greater Woodlawn** GREATER WOODLAWN FCU · BLASDELL · NY · 14219 About 6.0 miles away](https://rateapi.dev/credit-unions/new-york/greater-woodlawn) 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 Local 41 I.b.e.w. Credit Union Membership eligibility from Local 41 I.b.e.w. Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Local 41 I.b.e.w. Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Local 41 IBEW - Association Local 41 IBEW Union Verified from [Local 41 I.b.e.w. Credit Union's membership page](https://www.local41fcu.com/about.html) . Final membership determination is always made by the credit union. ## Membership rules for Local 41 I.b.e.w. Credit Union Employers · Associations · Family 3 published paths to membership, last verified August 21, 2026, quoted from Local 41 I.b.e.w. Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Local 41 IBEW “If you are a member or employee of Local 41 IBEW - you, your spouse, children and immediate family members are eligible to join the Credit Union” > [source ↗](https://www.local41fcu.com/about.html) - Employee of Local 41 IBEW ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Local 41 IBEW Union “Local 41 IBEW FCU was federally chartered by the National Credit Union Administration in 1976 as a benefit for the members of Local 41 IBEW Union” > [source ↗](https://www.local41fcu.com/about.html) - Member of Local 41 IBEW Union ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member spouse, child, parent, stepparent, stepchild, stepsibling “If you are a member or employee of Local 41 IBEW - you, your spouse, children and immediate family members are eligible to join the Credit Union” > [source ↗](https://www.local41fcu.com/about.html) - Family member (spouse, child, parent, stepparent, stepchild, stepsibling) 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 Local 41 I.b.e.w. Credit Union? Yes No ## Work at Local 41 I.b.e.w. 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 Local 41 I.b.e.w. Credit Union ranks against New York peers. - See which AI assistants fetched Local 41 I.b.e.w. 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=local-41-ibew&state=new-york&code=NY&name=Local%2041%20I.b.e.w.%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Local 41 I.b.e.w. Credit Union offer? Local 41 I.b.e.w. 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 Local 41 I.b.e.w. Credit Union rates updated? RateAPI verifies Local 41 I.b.e.w. 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 Local 41 I.b.e.w. Credit Union's rate data? Rate data is collected directly from Local 41 I.b.e.w. 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 Local 41 I.b.e.w. Credit Union's mortgage rate? As of November 12, 2026, Local 41 I.b.e.w. Credit Union offers a 30-year fixed mortgage at 7.154% APR. ### Who can join Local 41 I.b.e.w. Credit Union? Local 41 I.b.e.w. Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 1 employer and 1 association for Local 41 I.b.e.w. Credit Union, each quoted from Local 41 I.b.e.w. Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Local 41 I.b.e.w. 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.local41fcu.com/) ### 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 Local 41 I.b.e.w. 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 Local 41 I.b.e.w. Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /local-41-ibew " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Local 41 I.b.e.w. 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/local-41-ibew Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp