Today's Mortgage Rates

Personalized Quote

Apply Now

Home Loans


Schools. Neighborhoods. Backyards. As a homebuyer, you’ve got enough on your mind without thinking about a mortgage. Let us handle it for you…with a loan process that’s fast, and hassle-free.

Our mortgages are designed specifically to save you money:

  • Fixed- and adjustable-rate mortgages
  • The competitive interest rates we offer our members every single day
  • Low down payments, so you keep more of your hard-earned savings
  • Flexible terms, including lock-in and float options for the best possible rate
  • Affordable closing cost programs to save you money

No matter what kind of home you’re buying, we’ll walk you through the process without leaving you in the dark…or pushing you too fast. It’s the kind of “people are worth more than money” treatment you’d expect from your credit union. To find out more, please email us at

Applications can be submitted online, over the phone or in person with our partner, Owner's Choice Funding. Please use the following options for more information:


Owner's Choice Funding - Buffalo Office

By Phone


In Person 

3960 Harlem Rd., Suite 5

Snyder, NY 14226

HELOC (Home Equity Line of Credit)

For more information stop in or speak with a loan officer today!

A Home Equity Line of Credit offers the flexibility when you need it most and with great rates!

  • Home must be located in New York State and owner occupied
  • Fixed-rate 5 year draw period
  • 80% financing
  • Closing costs paid by credit union**
  • Minimum advance at closing $10,000 all subsequent advances $500 or more.
  • Other options available - call for details 662-1311 Option 2

Apply Online 

*Index is the Prime Rate as listed in The Wall Street Journal. All rates quoted and listed are APR (Annual Percentage Rate). All loans subject to approval, rates may vary from those listed based on terms and credit qualifications. Rate converts to variable adjusting annually after the period ends. 

**Member is responsible for closing costs if the mortgage/home equity is paid off during the first three (3) years of the loan.