Resources and Rates

Most people don't exactly love researching rates or using a calculator... But, finding the best situation for you is important. Here is everything in one place to help figure that out.


SEFCU Business Mastercard®

Current Rates

APR for purchases and balance transfers APR FOR CASH ADVANCES
As low as 10.25% As low as 12.25%


Item Fee
Annual Fee No fee
Balance Transfer Fee No fee
Cash Advance Fee No fee
Foreign Transaction Fee No fee
Late Payment Fee Up to $25
Returned Payment Fee Up to $25
View SEFCU Business Mastercard details




SEFCU Mortgage Services

Mortgage Rates

Mortgage Type Rate Points APR
30 Yr Fixed-Rate (Conforming) 3.250% 0.50% 3.371%
30 Yr Fixed-Rate (Conforming) 3.371% 0.00% 3.458%
20 Yr Fixed-Rate (Conforming) 3.125% 0.50% 3.295%
15 Yr Fixed-Rate (Conforming) 2.500% 0.00% 2.667%
10/6mos ARM (Conforming) 2.625% 0.00% 3.534%
5/6mos ARM (Conforming) 2.500% 0.00% 4.025%
VA 3.250% 0.00% 3.456%
FHA 3.250% 0.00% 4.790%
USDA 3.375% 0.00% 3.962%

*Rates are based on conforming limits and are subject to change without notice.

Home Mortgage Disclosure Act Notice 

The Home Mortgage Disclosure Act Notice (HMDA) data about our residential mortgage lending is available for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions is now available online. To request HMDA data for calendar years 2017 and forward, please visit the Consumer Financial Protection Bureau’s website ( To request HMDA data for calendar years prior to 2017, please inquire at this office regarding the locations where HMDA data may be inspected.
SEFCU Mortgage Services Logo

700 Patroon Creek Blvd., Suite 301, Albany, NY 12206. Tel: 800-444-6313. SEFCU Mortgage Services is a wholly owned subsidiary of SEFCU. Licensed Mortgage Banker–NYS Department of Financial Services. NMLS Company ID–309847.