When you’re making a decision as important as mortgage financing, you can trust us at Advantage FCU to help you.

Buying a home can be one of the most complicated and costly purchases you will ever make. Here at Advantage, we make it our goal to make this process as easy and accessible as we can. You will work with some of the best mortgage professionals in the business.

We’ll start with a phone call to guide you through some questions to help determine the best possible plan of action. Please call us today at 585.454.5900 to start planning for your future. We’ve been helping our members make it home for over 90 years.

Conventional Mortgages as of January 18, 2021
ProgramsRateAPR*Est. Payment/$1,000
30 Year Fixed3.00%3.10%$4.22
25 Year Fixed3.00%3.12%$4.74
20 Year Fixed2.875%3.02%$5.48
15 Year Fixed2.625%2.96%$6.73
10 Year Fixed2.625%3.02%$9.48

*Estimate includes principal and interest only. The rates are for loans in the range of $35,000 to $510,400. Owner-occupied 1-4 family properties within New York State only (excluding Nassau and Suffolk Counties). All Annual Percentage Rates (APR) are based on a 20% down payment and amortized over the maximum term. Other options available. Rates are subject to change without notice.

For information regarding Adjustable Rate Mortgages please call 585.454.5900.

Consumer handbook on Adjustable-Rate Mortgages


The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau’s Website (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions are also available at this website.

Advantage Federal Credit Union
70 Metro Park
Rochester, NY 14623