Spencerport Federal Credit Union Mortgage Rates
Spencerport Federal Credit Union currently offers a 30-year fixed mortgage at 7.100% APR, 0.52 points above the national average. Spencerport Federal Credit Union publishes rates for 8 loan products. Rates last updated July 26, 2026.
| Product | Rate | APR | Points |
|---|---|---|---|
| 30-Year Fixed | 7.00% | 7.10% | 0.00 |
| 15-Year Fixed | 7.25% | 7.41% | 0.00 |
| 20-Year Fixed | 6.00% | 6.21% | 0.00 |
| 5/1 ARM | 5.75% | 6.51% | 0.00 |
| 7/1 ARM | 5.88% | 6.46% | 0.00 |
| 10/1 ARM | 6.13% | 6.50% | 0.00 |
| FHA 30-Year | 6.00% | 6.69% | 0.00 |
| VA 30-Year | 6.25% | 6.41% | 0.00 |
Spencerport Federal Credit Union Eligibility
Live, work, worship, attend school, or actively volunteer in the towns of Ogden, Parma, Riga, Sweden, Gates, Greece, and Chili (including North Chili) in Monroe County, NY, or in Orleans County, NY. Immediate family members (spouse, parent, sibling, child, grandparent, grandchild) of current members also qualify.
Openness: exclusive
