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Rates

Fixed Rate MortgagesThis table is a list of fixed rate mortgage products. The first column is the product name. The remaining columns represent different rates and annual percentage rates, if purchased points are included and estimated monthly payments.
Rate APR1 Points Estimated Payment2
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Adjustable Rate MortgagesThis table is a list of adjustable rate mortgage products. The first column is the product name. The remaining columns represent different rates, annual percentage rates, and if purchased points are included.
Rate APR1 Points
 3  %  %  
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 3  %  %  
  1. APR = Annual Percentage Rate. All rates quoted are the lowest rates and are for individuals with excellent credit. Individuals with less than excellent credit may be offered a higher rate. Variable rates may change over time.

  2. APR = Annual Percentage Rate. ARM = Adjustable Rate Mortgage. Representative payment for a 30 year fixed mortgage at 3.375% with a 3.45% APR is $4.42 per $1,000 borrowed. Representative payment for 10/1 ARM at 3.00% with a 3.956% APR is $4.21 per $1,000 borrowed for the first 10 years then subject to increase. Rates are accurate as of   and are subject to change without notice. Adjustable Rate Mortgage (ARM) rates quoted are based on Credit Union membership at the time of loan disbursal and selection of our Automatic Payment Plan. Rates are based on a purchase or no cash out refinance, cash out options may affect your rate. If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums. Ask about other rates and terms.

  3. ARM = Adjustable Rate Mortgage. Rates quoted are based on Credit Union membership at the time of loan disbursal and selection of our Automatic Payment Plan. Ask about other rates and terms.

  4. Mortgage products in New York State only and offered by our Mortgage Team, Homeowners Advantage (HOA), which is a subsidiary of CAP COM FCU. HOA is a Licensed Mortgage Banker – NYS Dept. of Financial Services. HOA NMLS Identifier: 290363. Principal Address: 4 Winners Circle, Albany NY 12205. CAP COM FCU NMLS Identifier: 401261.