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CFCU Credit Union


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Routing #: 221381540

Government Home Loan Programs

Government home loan programs can help our members achieve their dream of home ownership.

To find out if you meet the requirements for one of these loan options, we're here to answer your questions.

FHA Mortgages

Federal Housing Administration Mortgages (FHA) are for prospective homeowners who have limited funds for a down payment.

  • Only 3.5% down payment required
  • Easier credit qualifying
  • Fixed rate

VA Mortgages

Veteran’s Administration (VA) Mortgages help eligible Veterans, Service members, and surviving spouses become homeowners.

  • No down payment required
  • Competitive interest rates
  • Fixed rate
  • Private Mortgage Insurance (PMI) not needed

USDA Mortgages

USDA Rural Development Mortgages help low to moderate income borrowers looking to purchase in designated rural areas.

  • Lower to no down payment required
  • Easier credit qualifying
  • Fixed rate

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