We offer mortgage rates that are pretty easy to live with.
We know housing is likely your biggest expense. Our goal is to help you keep things under control. By offering neighborly rates on fixed-rate, adjustable-rate, new construction, refinancing and other home loans, we leave you with more funds for everything else in your life.

Mortgage Rates

Mortgage Type Rate APR* Payment Example1
30 Year Fixed6.875%7.024%$657
25 Year Fixed6.750%6.915%$691
20 Year Fixed6.625%6.817%$753
15 Year Fixed6.375%6.613%$864
10 Year Fixed6.250%6.584%$1,123
10/1 Year Adjustable Rate Mortgage (ARM)26.625%7.018%$640
Empower Federal Credit Union is a full-service financial institution serving members throughout New York State.
All rates listed are with zero points.
1Rates, Points, Payments and / or fees are based on the following assumptions for fixed and adjustable loans displayed: $100,000 loan amount and 40% down payment (net equity) with a credit score of 740 or higher on a single-family home. Rates, Points, Payments and / or fees may be higher based upon your credit score, loan to value, purpose of your loan and property type. Rates listed above are effective as of today and subject to change at any time.
*Annual Percentage Rates (APR) are subject to change without notice.
Closing costs apply. Subject to credit approval. Homeowners insurance is required. Flood insurance may apply. Other programs and terms may be available.
2For adjustable-rate mortgages, the index is the U.S. one-year Constant Maturity Treasury (CMT). A margin of 2.25% is added to this index to determine your APR once the ARM moves to a variable rate. 10 year ARMs are offered for 30 year terms. For ARM loans, the APR may increase after the closing date.

Explore Rates