Local: 607-561-7328, 607-432-1451

Toll FREE: 1-877-642-7328

COVID Pandemic updates

Our Oneonta Branch lobbies are closed as of 9-4-20, Drive up, ATM, mobile banking are available.

Mortgage Rates

sfcu Home Loan Interest Rates

Web Updated 4/01/2020

Type of Loan Term
(Approx.)
APR1
First Mortgages - Fixed Rates
(Purchases and Refinances)
120 4.25%
180 4.50%
240 4.90%
First Mortgages - Variable Rate2 1/1 ARM
Discounted rate for 1st year 1st Year Fixed - APR on remaining term - Variable based on 1 year Treasury Security of +2.90%
12 3.75%
348 5.50%
First Mortgages - Variable Rate2 5/1 ARM
Discounted rate for 1st year 1st 5 Years Fixed - APR on remaining term - Variable based on 1 year Treasury Security of +2.90%
60 4.25%
300 5.50%
First Mortgages - Variable Rate2 5/5 ARM
Discounted rate for 5 years 1st 5 Years Fixed - APR on remaining term - Variable based on 5 year Treasury Security of +2.90%
60 4.50%
300 5.00%
Home Equity Line of Credit3
Variable APR based on Prime Rate +0% A+ score
120 3.25%
Home Equity Loan
Fixed, 80% LTV, A+ Score
60 4.25%
120 5.25%
Home Improvement Loan 60 8.00%
Fixed Rate Mobile Home & Land
Purchase or Refinance term is determined by Year of Manufactured Home
120 5.50%
180 5.75%
240 6.50%
Variable Rate Mobile Home & Land2
APR based on 1 year Treasury Security +4.50% Purchases and Refinances Term is determined by Year of Manufactured Home
240 7.00%
Second Home - Fixed Rates
(Purchases and Refinances) Not investment or Rental
120 8.00%
180 8.50%
240 9.00%
Second Home - Variable Rate2
APR is Variable based on 1 year Treasury Security +3.00%
180 5.50%
Bare Land - Fixed Rates 144 10.00%
Bare Land - Variable Rate2
APR is Variable based on 1 year Treasury Security +4.50%
144 7.00%

Certain Restrictions may apply on any of the above loan types. Please contact any of our branch offices for questions.

The above rates are determined by credit worthiness. Your actual rate may vary. Contact the credit union to see what rate you qualify for.

1- Annual Percentage Rate

2- All Variable Rate loans with the exception of the Home Equity have a floor of 5.00%

3- The Variable Rate Home Equity does not have a floor, and higher rates may apply based on Loan to Value.

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Phone: 877 642-7328

ART (Audio Response Teller)

Local: 607-561-7328, 607-432-1451

Toll Free: 1-877-642-7328

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Rates and earnings advertised through sfcu's website, ads, and promotions may be subject to change based on account fees.

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