Effective as of April 1, 2026
RESIDENTIAL MORTGAGE LOAN RATES
| Loan Type | Term | Annual Percentage Rates | Monthly Payment Per $1,000 Borrowed for the first term payments based on Initial Rate | Monthly Payment Per $1,000 Borrowed for the remaining payments based on 30 year Amortization and Current Rate | |
|---|---|---|---|---|---|
| Mortgage Adjustable | 2 Year | 5.75% | 1, 2, 3 | $5.84 | $5.84 |
| Mortgage Adjustable | 5 Year | 5.80% | 1, 2, 3 | $5.88 | $5.88 |
| Mortgage Adjustable | 8 Year | 5.99% | 1, 2, 3 | $6.00 | $6.00 |
| Mortgage Fixed | 5 Year | 5.70% | 1, 2 | $19.20 | $5.84 |
| Mortgage Fixed | 10 Year | 5.85% | 1, 2 | $11.04 | $5.91 |
| Mortgage Fixed | 15 Year | 5.99% | 1, 2 | $8.44 | $5.97 |
| Mortgage Fixed | 20 Year | 6.35% | 1, 2 | $7.38 | $6.00 |
| Mortgage Fixed | 30 Year | 6.20% | 1, 2 | $6.14 | $6.14 |
| Jumbo Mortgage **$825,000 or Greater | ALL | +.30% Increase | 1,2 | $6.43 | $6.14 |
*15-year maturity limit on loans for 1-4 family dwelling that is NOT or will NOT be the principal residence. Non-owner occupied 1-4 family properties are subject to a rate increase up to 2.00%.
- Notes can be refinanced/modified and amortized up to 30 years
- Mortgages available for:
- Refinance or purchase
- New York, New Jersey and Florida (contact us about other states).
- 1-4 family owner occupied
- Vacation
- Secondary residence
- Vacant land for new home
- Up to 80% of value
- Coop up to 75% of value, and
- Condo up to 75% of value
- 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
- Monika Kania #741452
- Jordan Ingram #2754377
Would you like to estimate the payments on any of these loans? Our loan calculator can help you with the numbers.