Residential Mortgage Rates

Effective as of January 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 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.

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