Mortgage Rates
It's important to choose the right kind of mortgage, so we offer you a variety of options, and make you understand the benefits of each. Plus, as a not-for-profit organization owned by our members, Suffolk Credit Union typically offers lower loan rates (and higher deposit rates) than other financial insitutions.
*APR = Annual Percentage Rate. The APR is a measure of the cost of credit, expressed as a nominal yearly rate based on the amount and timing of the payments made by the consumer. Since an APR measures the total cost of credit, including costs such as transaction charges or premiums for credit guarantee insurance, it is not an interest rate, as that term is generally used.
Rates and corresponding APRs provided assumes the purpose of the loan is to purchase a property and existing single family home which will be used as a primary residence. Actual rates and corresponding APR may vary based on credit score, down payment and mortgage product. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates if you are approved for the loan. All offers are subject to credit approval; points may apply and applicants may be offered credit at a higher rate and other terms. All applicants must meet loan program requirements therefore; not all programs may be available to all applicants. Products are subject to change without notice. Must qualify for Suffolk Credit Union membership to be eligible.
Loans above 80% LTV may require private mortgage insurance (PMI). First Mortgage loans available on 1- to 4-family primary and investment properties, single family for secondary residences excluding mobile homes, co-ops and homes for sale, under construction or on leased land.
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Mortgage options are available through Suffolk Credit Union in the following states: NY, NJ, PA, CT, DE, OH, NH, VT, FL, NC and SC.
Apply now for a better mortgage experience with Suffolk Credit Union!