U.H.S. Employees Federal Credit Union Mortgage Rates
U.H.S. Employees Federal Credit Union currently offers a 30-year fixed mortgage at 6.974% APR, 0.28 points above the national average. U.H.S. Employees Federal Credit Union publishes rates for 5 loan products. Rates last updated August 11, 2026.
| Product | Rate | APR | Points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 30-Year Fixed | 6.88% | 6.97% | 0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15-Year Fixed | 7.25% | 7.41% | 0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
15-Year Fixed National avg (6.01%) | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 20-Year Fixed | 6.00% | 6.21% | 0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| FHA 30-Year | 6.00% | 6.69% | 0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| VA 30-Year | 6.25% | 6.41% | 0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
U.H.S. Employees Federal Credit Union Eligibility
Employees, doctors, medical staff, and technicians of United Health Services Inc. and its affiliates in Binghamton, Johnson City, and Endicott, NY. Also eligible: employees of Tier Orthopedic Associates, Plastic Surgeons of Southern Tier, Guthrie Clinic (Vestal/Maine, NY), United Medical Associates, Aramark, Morris Protective Services, Sodexho Health Care Services, Diabetic Care Associates, Park Avenue Associates in Radiology, and Broome Nurse Practitioners working at UHS facilities in Broome County, NY. Retirees and family members qualify.
Openness: exclusive
Why we track credit union rates
This started with our own mortgage. The bank we'd used for ten years quoted 7% APR, and a credit union a few miles away quoted 5.5% on the same loan. Credit unions are member-owned and don't buy national advertising, which is a good part of why their rates run lower and also why hardly anyone hears about them. The longer version of that story, plus all 158 credit unions ranked against the national benchmark, is in our rate dashboard.
So most days a scraper reads the public rate pages of those 158 credit unions, U.H.S. Employees Federal Credit Union included, and the charts above come out of that archive. They're published rates rather than personal quotes, so treat them as a place to start rather than a rate lock. If you want to know what a rate gap is actually worth, this calculator runs it over the life of the loan. We have no affiliation with any lender listed here and earn nothing when you click through.
