Residential Mortgage Rates

Effective as of July 1, 2022


Loan TypeTerm Annual
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 Year4.15%1, 2, 3$4.87$4.87
Mortgage Adjustable5 Year4.20%1, 2, 3$4.93$4.93
Mortgage Adjustable8 Year4.30%1, 2, 3$5.10$5.10
Mortgage Adjustable15 Year4.40%1, 2, 3$5.35$5.35
Mortgage Fixed5 Year3.99%1, 2$18.42$18.42
Mortgage Fixed10 Year4.25%1, 2$10.25$10.25
Mortgage Fixed15 Year4.65%1, 2$7.73$7.73
Mortgage Fixed20 Year5.15%1, 2$6.69$6.69
Mortgage Fixed30 Year5.25%1, 2$5.53$5.53

Adjustable and fixed jumbo loans over $970,800.00 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
  • Ryan Jacoby #2185984
  • Salma Masum #994784
  • Sarah Sakmann #2245576

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

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