--- title: "New York Credit Union Mortgage Rates" description: "35 New York credit unions compared, November 2026: 30-year fixed mortgages from 6.535% APR at Greater Niagara. Verified from real credit union rate sheets — no paid ranking, no affiliate links." canonical: "https://rateapi.dev/mortgage-rates/new-york" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # New York Credit Union Mortgage Rates Compare local 30-year fixed, first-mortgage rates from credit unions in New York. Today's best 30-year rate: 6.535% APR at Greater Niagara. Zero affiliate bias - rates ranked by true cost. Updated November 2026 145 Credit Unions [Home](https://rateapi.dev/) / [Mortgage Rates](https://rateapi.dev/mortgage-rates) / New York **Quick answer:** As of November 2026, 30-year fixed mortgage rates from credit unions in New York range from **6.535% to 8.488% APR** , with a median of 7.225% APR across 35 institutions. The lowest rate currently comes from Greater Niagara. Rates below are ranked by true cost with no affiliate bias. 6.535% Lowest 30yr APR Greater Niagara 7.225% Median APR 8.488% Highest APR 35 Institutions New York mortgage rates range from 6.535% to 8.488% APR for 30-year fixed loans. Data from 145 credit unions, updated November 2026. > Source: [RateAPI.dev](https://rateapi.dev/mortgage-rates/new-york) ## Top New York Credit Unions for Mortgages Ranked by lowest APR. Based on a $400,000 loan over 30 years. | Credit Union | Rate | APR | Est. Payment | | Hudson River Community Credit Union 30-Year Fixed | 6.25% | 6.25% | $2,463/mo | [Visit Site](https://www.hrccu.org/) | Suma Credit Union 30-Year Fixed | 6.5% | 6.5% | $2,528/mo | [Visit Site](https://www.sumafcu.org/) | Metro Realtors Credit Union 30 Year Fixed | 80% LTV | 6.5% | 6.5% | $2,528/mo | [Visit Site](https://www.mrfcu.com/) | Ukrainian National Credit Union 30 Year Fixed (Not Offered On Co-Ops) | 6.625% | 6.625% | $2,561/mo | [Visit Site](https://www.ukrnatfcu.org/) | Advantage Credit Union 30-Year Fixed | 6.75% | 6.75% | $2,594/mo | [Visit Site](https://www.advantagefcu.org/) | ## 15-Year Fixed Rates in New York Lowest APR % Median APR 5.750% Institutions 1 ## How to Get the Best Mortgage Rate in New York Credit unions in New York often offer lower mortgage rates than traditional banks because they're member-owned non-profits. Here's how to qualify for the best rates: 1 #### Check Your Credit Score Scores above 740 typically qualify for the best rates. Most credit unions require a minimum of 620-680 for mortgages. 2 #### Join a Credit Union Many New York credit unions have flexible membership requirements. Some are open to anyone who lives, works, or worships in the area. 3 #### Compare Multiple Lenders Even a 0.25% difference in APR can save you thousands over the life of your loan. Compare at least 3-5 lenders. 4 #### Consider Points Paying points upfront can lower your rate. This makes sense if you plan to stay in your home long-term. ## Mortgage Rates by City in New York [New York City Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/new-york-city) [Rochester Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/rochester) [Syracuse Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/syracuse) [Cheektowaga Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/cheektowaga) [Brooklyn Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/brooklyn) [Buffalo Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/buffalo) [Albany Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/albany) [Amherst Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/amherst) [New Hartford Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/new-hartford) [Niagara Falls Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/niagara-falls) [Plattsburgh Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/plattsburgh) [Hauppauge Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/hauppauge) [Long Island Cit Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/long-island-cit) [Oswego Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/oswego) [Rome Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/rome) [Watertown Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/watertown) [Briarcliff Mano Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/briarcliff-mano) [Corning Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/corning) [Elmira Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/elmira) [Glens Falls Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/glens-falls) [Gloversville Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/gloversville) [Ithaca Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/ithaca) [Jamestown Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/jamestown) [Kingston Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/kingston) [Ogdensburg Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/ogdensburg) [Orchard Park Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/orchard-park) [Port Washington Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/port-washington) [Poughkeepsie Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/poughkeepsie) [Sanborn Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/sanborn) [Saratoga Spring Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/saratoga-spring) [Troy Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/troy) [Utica Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/utica) [West Seneca Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/west-seneca) [Yonkers Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/yonkers) [Schenectady Mortgage Rates](https://rateapi.dev/mortgage-rates/new-york/schenectady) ### Mortgage Rates in Nearby States [Connecticut](https://rateapi.dev/mortgage-rates/connecticut) [Massachusetts](https://rateapi.dev/mortgage-rates/massachusetts) [New Jersey](https://rateapi.dev/mortgage-rates/new-jersey) [Pennsylvania](https://rateapi.dev/mortgage-rates/pennsylvania) [Vermont](https://rateapi.dev/mortgage-rates/vermont) ### Other Loan Products in New York [New York Credit Unions](https://rateapi.dev/credit-unions/new-york) [New York Mortgage Refinance Rates](https://rateapi.dev/refinance-rates/new-york) [Home Equity Line (HELOC) Rates in New York](https://rateapi.dev/heloc-rates/new-york) [New York Auto Loan Rates](https://rateapi.dev/auto-loan-rates/new-york) [New York Personal Loan Rates](https://rateapi.dev/personal-loan-rates/new-york) ### Mortgage Rate Tools & Data [National Mortgage Rate Benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Which Credit Union Has the Lowest Mortgage Rate?](https://rateapi.dev/lowest-rates/mortgage) [How We Collect & Rank Rates](https://rateapi.dev/methodology) [All Mortgage Rates](https://rateapi.dev/mortgage-rates) ## Frequently Asked Questions Common questions about mortgage rates in New York As of November 2026, 30-year fixed mortgage rates in New York range from 6.535% to 8.488% APR across credit unions. The median rate is 7.225% APR. What are the current mortgage rates in New York? To get the best mortgage rate in New York: 1) Compare rates from multiple credit unions (they often beat bank rates by 0.25-0.50%), 2) Improve your credit score above 740, 3) Consider paying points upfront for a lower rate, 4) Shop within a 14-day window to minimize credit score impact. How do I get the best mortgage rate in New York? Yes, credit unions in New York typically offer lower mortgage rates than traditional banks. Because credit unions are member-owned non-profits, they return savings to members through lower rates and fees. On a $400,000 mortgage, this can save $50,000-$100,000 over 30 years. Are credit union mortgage rates lower in New York? For the best mortgage rates in New York, aim for a credit score of 740 or higher. Scores between 700-739 qualify for good rates, while 620-699 may face higher rates. Each credit union has different requirements, so compare options even with lower scores. What credit score do I need for the best mortgage rates in New York? RateAPI updates credit union mortgage rates for New York daily by scraping lender websites directly. The rates on this page reflect the most recent collection, last refreshed in November 2026. How often are New York mortgage rates updated? Yes. RateAPI provides daily-updated New York mortgage rates through a REST API and MCP server, so fintech apps, comparison sites, and AI agents can query credit union rates programmatically. See the methodology page for how rates are collected and ranked. 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