Residential Mortgage Rates

Effective as of January 1, 2022

RESIDENTIAL MORTGAGE LOAN RATES

Loan TypeTerm Annual
Percentage
Rates
Monthly Payment Per $1,000 Borrowed for the first term payments based on Initial RateMonthly Payment Per $1,000 Borrowed for the remaining payments based on 30 year Amortization and Current Rate
Mortgage Adjustable2 Year2.65%1, 2, 3$4.04$4.04
Mortgage Adjustable5 Year2.95%1, 2, 3$4.19$4.19
Mortgage Adjustable8 Year3.15%1, 2, 3$4.30$4.30
Mortgage Adjustable15 Year3.55%1, 2, 3$4.52$4.52
Mortgage Fixed5 Year2.99%1, 2$17.97$17.97
Mortgage Fixed10 Year2.85%1, 2$9.59$9.59
Mortgage Fixed15 Year3.15%1, 2$6.98$6.98
Mortgage Fixed20 Year3.35%1, 2$5.99$5.99
Mortgage Fixed30 Year** call for current rate1, 2

Adjustable and fixed jumbo loans over $726,525.00 available. Subject to 0.15%-0.25% rate increase or 0.25 points paid at closing. Non-owner occupied 1-4 family properties are subject to a rate increase up to 2.00%.

  1. Notes can be refinanced/modified and amortized up to 30 years
  2. Mortgages available for:
    1. Refinance or purchase
    2. New York and New Jersey
    3. 1-4 family owner occupied
    4. Vacation
    5. Secondary residence
    6. Vacant land for new home
    7. Up to 80% of value
    8. Coop up to 75% of value, and
    9. Condo up to 75% of value
  3. Rates and terms are based on Consumers FCU posted rates Notes can be refinanced/modified not to exceed 15 year term and amortized up to 30 years

*Borrowers with negative credit, including but not limited to: late payments, collection accounts, judgments, charge-offs and bankruptcies (within 2 years) are subject to a 2.00% increase on the current interest rate listed.

**Refinance of credit union loans to only lower interest rate, require 1.50 points and a $250.00 fee

NMLS Information

  • Consumers Federal Credit Union #489381
  • Stephen Jacoby #875551
  • Anna Carbone #493986
  • Charles Giuliano #2127809
  • Anallely Lozada # 1896496
  • Jenna Zaretsky #2102805
  • Ryan Jacoby #2185984

Would you like to estimate the payments on any of these loans? Our loan calculator can help you with the numbers.


As per Executive Mandate, masks are required for all members, staff and visitors regardless of vaccination status.Learn More