Mortgage Rates
THINK OF YOUR CU when you are thinking about a MORTGAGE
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
Home Improvement Loans
| LOANS | TERMS | APR as LOW as |
| 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% ** | |
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Loan Rates Subject to Change without Notice |
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All Loan Rates and Product Availability Subject to Change Without Notice.
Our Members make the difference.
Member Since 1982
"I decided to become a founder and a member of Genesee Co-op Federal Credit Union because I wanted to help create, support and benefit from a cooperative alternative to mainstream financial institutions. It's important to me to know that my money supports a non-profit, community-based, socially-responsible saving and lending institution. Now more than ever, we need alternatives to the mega-banks that have made such a mess of our economy. I'm proud to have been a part of an institution that has helped thousands of people enter the world of credit, improve their financial standing and be treated with dignity. It's great to have witnessed the credit union’s evolution from a small group of food co-op members into an institution that serves a member-ownership that's diverse in age, race, ethnicity and socio-economic circumstance."