Mortgage Rates

THINK OF YOUR CU when you are thinking about a MORTGAGE

Family in the Mortgage Business
Equal Housing Lender








First Mortgages for Purchase or Refinance

All first mortgage products, including purchases and refinances, are offered through CUMA - the Credit Union Mortgage Association. Please contact us or CUMA for a mortgage rate today. 

For more information on our mortgages vist our mortgage page.

Home Equity Line-of-Credit

Our HELOC rate is Prime plus 0% with a floor of 4.00% APR and a 20-year repayment period.

For more information, contact Ben Pecora-Sanefski at 585-461-2230 or pooc.eeseneg@neb


Home Improvement Loans

Second Mortgages for Home Improvements 12 - 60 Months 6.745% **
61 - 72 Months 7.245% **
73 - 84 Months 7.745% **
85 - 96 Months 8.245% **
97 - 108 Months 8.745% **
109 - 120 Months 9.245% **
121 - 132 Months 9.745% **
123 - 144 Months 10.245% **
145 - 156 Months 10.745% **
157 - 168 Months 11.245% **
169 - 180 Months 11.745% **

Loan Rates Subject to Change without Notice
** based on 1.50% added to our 30-year, 60-day fixed mortgage rate which may change daily.


All Loan Rates and Product Availability Subject to Change Without Notice.

Our Members make the difference.

Member Since 2004

"What has the CU done for and meant to me? How about warmth and security? When I joined I felt, and still feel, that the diversity of the neighborhood is well represented both by the CU's members and its employees. As welcoming as the staff is, I had no problem following when the building on Gregory St became its new home. The loyalty I felt to Genesee Co-op FCU at that time has been validated by an incident in May 2009. One of my checks was presented to the teller, unsigned, for a large amount. When that individual came back with same check supposedly signed by me, the CU refused to cash it, because the staff recognized the signature as forged. I got to see how the sense of kinship the CU propagates, plays out in order to safeguard its members. Thank you, team."

Merrie Camp

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