Home About Genesee Co-op Contact Us Become a Member Online Banking Login Search Site Services Loans Mortgages Rates Financial Education Home/Rates/Mortgage Rates 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 Owners Choice Funding. You can find today's rates and get a customized rate quote at the Genesee Co-op FCU Mortgage Center. Click Here to Visit our Mortgage Center for Rates & More 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 ben@genesee.coop Home Improvement Loans LOANS TERMS APR as LOW as Second Mortgages for Home Improvements 12 - 60 Months 4.625% ** 61 - 72 Months 5.125% ** 73 - 84 Months 5.625% ** 85 - 96 Months 6.125% ** 97 - 108 Months 6.625% ** 109 - 120 Months 7.125% ** 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. Rates Loan Rates Mortgage Rates Savings Rates Our Members make the difference. Member Since 1982 "I've been a member since the Credit Union was just Dave Knoll with a cardtable in the hallway of the old Genesee Coop on Saturday mornings. I've never been tempted to go anywhere else since that time, even though I now live thirty miles away. I like dealing with nice staff who know my name, who are eager to help, and who are dedicated to financial literacy and empowerment. Plus, it's good to know that my money is being used to invest in people rather than fill the pockets of the wealthiest. In addition to savings and checking I've turned to the credit union for debit cards, line-of-credit, auto financing, on-line banking, and a home mortgage. I've now financed at least four cars through the credit union, and I've successfully encouraged friends to do the same. One of my boldest statements ever in the face of raw financial power was when the car dealer required me to sit through a presentation on their financing. My response: "I'm a loyal credit union member, and I'll stick with it even if you offer me zero percent. If I ever get in trouble, the Credit Union will help me work it out, but you guys'll just send the collection agent after me." The guy just gulped and that was that. Yee-hah! And I don't want to forget to mention that as a Credit Union member I get to vote. Real democracy - awesome! Genesee Co-op Federal Credit Union - it's the best deal in town!" James Renfrew LOST or STOLEN VISA Debit Card? Please call 1-888-241-2510. Contact Us 395 Gregory St. Rochester, NY 14620-1327 Phone: 585-461-2230 Fax: 585-461-3189 Get Directions Hours Mon, Tues, Wed 10am-5pm Thurs, Fri 10am-6pm Our telephone banking service and this website are accessible 24 hours, 7 days per week. Quick Links Learn about Services Check Rates Become a Member Send a Message Privacy Policy Site Map Federally insured by the NCUA ©2021 Genesee Co-op Federal Credit Union. All rights reserved.