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CFCU Credit Union


An additional platform to complement Digital Banking

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Routing #: 221381540

Fixed Rate Mortgages

Fixed rate mortgages offer payment security. The principal and interest payments won't change for the full term of the loan.


This mortgage may be a good option for you, if you:

  • Plan on staying in the home long term.
  • Need your monthly principal and interest payments to stay the same over the life of the loan.

Rates & Terms

To view rates and terms, visit our Mortgage Center site.


No Closing Cost Mortgages

No Closing Cost Loans require a 3-year recapture period, Transformation Checking with Direct Deposit, and Autopay.

Home Mortgage Disclosure Act Notice

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. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau's Web site (

Borrower Complaints and Inquiries

CFCU is registered with the New York State Superintendent of Financial Services. You may file complaints and obtain further information about CFCU by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or at