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Eastern New York Federal Credit Union based in Napanoch, New York, is advertising very competitive mortgage rates and refinance rates. Mortgage rates and refinance rates have been very low since the recession and the financial crisis of 2008. You can find fixed conforming 30 year mortgage rates and mortgage refinance rates around 5.00 percent. There are some banks and credit unions that offer fixed conforming 30 year rates as low as 4.50 percent if with mortgage discount points. If you're unware what mortgage discount points are they are a fee you can pay upfront at closing to reduce your interest rate. 1 mortgage discount point is equal to 1 percent of the total mortgage loan amount. Eastern New York Federal Credit Union's advertised interest rates include fixed mortgage rates, fixed refinance rates, adjustable mortgage rates and adjustable refinance rates. Eastern New York Federal Credit Union's interest rates are some of the lowest mortgage rates available in New York state. Eastern New York Federal Credit Union's fixed rate mortgages and refinance rates include 30 year mortgage rates, 30 year refinance rates, 20 year mortgage rates, 20 year refinance rates, 15 year mortgage rates, 15 year refinance rates, 10 year mortgage rates and 10 year refinance rates. Eastern New York Federal Credit Union's advertised adjustable rate mortgages and adjustable refinance rates include 1 year adjustable mortgage rates, 1 year adjustable refinance rates, 3 year adjustable mortgage rates, 3 year adjustable refinance rates, 5 year adjustable mortgage rates, 5 year adjustable refinancing rates, 6 year adjustable mortgage rates, 6 year adjustable refi rates, 10 year adjustable mortgage rates and 10 year adjustable refinance rates. Adjustable mortgage loans and adjustable refinance loans are amortized over 30 years and 40 years. You can also track Eastern New York Federal Credit Union's mortgage rates and refi rates by signing up for the credit union's rate watch. All rates listed below are with zero mortgage discount points. Mortgage Rates and Refinance Rates Eastern New York Federal Credit Union
Fixed Mortgage Rates and Fixed Refinance Rates
30 Year 5.125%
20 Year 4.8755
15 Year 4.375%
10 Year 3.875% As you can see ENYFCU's fixed rates are competitive. Other credit unions in New York are offering 30 year mortgage rates and refinance rates at high as 5.50 percent with zero mortgage discount points. Adjustable Mortgage Rates and Adjustable Refinance Rates
1/1/30 Year 3.625%
1/1/40 Year 4.625%
3/1/30 Year 4.00%
3/1/40 Year 4.75%
5/1/30 Year 4.125%
5/1/40 Year 4.875%
6/2/30 Year 4.875%
6/2/40 Year 5.00%
10/1/30 Year 4.375%
10/1/40 Year 5.125% A 3.625 percent mortgage rate is one of the lowest mortgage rates available right now. There are credit unions offering 1 year ARM rates lower but you will have to buy down the interest rate with discount points. As with any credit union you will have to join Eastern New York Federal Credit Union to apply for a mortgage loan. Information about joining and a list of the credit union's current mortgage rates can be found at the credit union's website.
Search for bank mortgage rates and credit union mortgage rates on our rate tables at RatesORama.com.
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