Municipal Credit Union Mortgage Rates

Municipal Credit Union of New York, New York is advertising some of the best mortgage rates available currently available. The credit union is offering conforming mortgage rates, jumbo mortgage rates and adjustable mortgage rates. The credit union is also offering home equity line of credit rates (HELOC).

Find current mortgage rates by using our rate tables: MortgageRates.MonitorBankRates.com.




The credit union is also offering a 95% mortgage, which allows you to borrow up to 95% of the value of your home. The 95% Flex Mortgage is only for single family homes and doesn't include financing for a condo or a co-op. The home must also be your primary home in New York State. There is also a maximum loan amount of $359,650.00.

The current fixed 30 year conforming mortgage rates are advertised at 4.50 percent with 2.00 mortgage discount points. 30 year mortgage rates with 1.00 points are advertised at 4.75 percent. 30 year rates with zero points are advertised at 5.00 percent.

15 year conforming mortgage rates are advertised at 4.00 percent with 2.00 points. 15 year rates with 1.00 points are 4.25 percent and 15 year rates with zero percent are 4.50 percent.

The credit union is also offering mortgage terms of 25 years, 20 years and 10 years for both conforming mortgages and jumbo mortgages.

Current conforming mortgage rates:

10 Year Mortgage Rates

• 2 points 4.000% Rate


• 1 point 4.250% Rate


• 0 point 4.500% Rate

15 Year Mortgage Rates

• 2 points 4.000% Rate


• 1 point 4.250% Rate


• 0 point 4.500% Rate

20 Year Mortgage Rates

• 2 points 4.500% Rate


• 1 point 4.750% Rate


• 0 point 5.000% Rate

25 Year Mortgage Rates

• 2 points 4.500% Rate


• 1 point 4.750% Rate


• 0 point 5.000% Rate

30 Year Mortgage Rates

• 2 points 4.500% Rate


• 1 point 4.750% Rate


• 0 point 5.000% Rate

Current Jumbo Mortgage Rates:

10 Year Mortgage Rates

• 2 points 4.750%


• 1 point 5.000%


• 0 point 5.250%

15 Year Jumbo Mortgage Rates

• 2 points 4.750%


• 1 point 5.000%


• 0 point 5.250%

20 Year Jumbo Mortgage Rates

• 2 points 5.250%


• 1 point 5.500%


• 0 point 5.750%

25 Year Jumbo Mortgage Rates

• 2 points 5.250%


• 1 point 5.500%


• 0 point 5.750%

30 Year Jumbo Mortgage Rates

• 2 points 5.250%


• 1 point 5.500%


• 0 point 5.750%

For current mortgage rates, including adjustable mortgage rates and more information on their Flex Mortgage visit: NYMCU.org