O and R Utilities Employees Credit Union

Monroe, New York
Last verified: August 4, 2026
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Verified rate book

Current O and R Utilities Employees Credit Union rates

7 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

7 offers
O and R Utilities Employees Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed6.409% APR6.250%—Standard
VA 30 Year Fixed - Conforming30 year fixed6.409% APR6.250%—Standard
FHA 30-Year Fixed - Conforming30 year fixed6.689% APR6.000%—Standard
Jumbo 30-Year Fixed30 year fixed7.099% APR7.000%—Standard
15-Year Fixed15 year fixed5.883% APR5.625%—Standard
Jumbo 15-Year Fixed15 year fixed7.411% APR7.250%—Standard
20-Year Fixed20 year fixed6.208% APR6.000%—Standard

As of August 4, 2026, O and R Utilities Employees Credit Union offers a 30-year fixed mortgage at 6.409% APR.

Source: RateAPI.dev, verified from O and R Utilities Employees Credit Union's official website

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About O and R Utilities Employees Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
2K
Assets
$34.8M
Founded
1980
Locations reported
1
NCUA charter
23700
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Financial education
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Hudson ValleyChester · Chester · NY · 10918About 3.7 miles awayHeritage FinancialHeritage Financial CU · Central Valley · NY · 10917About 4.8 miles awayAffinityStony Point · Stony Point · NY · 10980About 9.2 miles awayNavy Federal Credit UnionHighland Falls NY · Highland Falls · NY · 10928-2085About 10.7 miles awaySing Sing EmployeesMaria Coutant · New Windsor · NY · 12553About 11.9 miles awayRockland EmployeesHelen Hayes · West Haverstraw · NY · 10993-1195About 13.9 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join O and R Utilities Employees Credit Union

Membership eligibility from O and R Utilities Employees Credit Union's own published criteria. How we verify this.

Membership criteria are published on O and R Utilities Employees Credit Union's website. Check the membership page below to confirm whether you qualify.

Cost to join: About $5 (a $0 membership fee plus a $5 minimum deposit).

Verified from O and R Utilities Employees Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does O and R Utilities Employees Credit Union offer?

O and R Utilities Employees Credit Union currently offers mortgage rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are O and R Utilities Employees Credit Union rates updated?

RateAPI verifies O and R Utilities Employees Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get O and R Utilities Employees Credit Union's rate data?

Rate data is collected directly from O and R Utilities Employees Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is O and R Utilities Employees Credit Union's mortgage rate?

As of August 4, 2026, O and R Utilities Employees Credit Union offers a 30-year fixed mortgage at 6.409% APR.

Related Rate Data

Compare O and R Utilities Employees Credit Union's rates against national credit-union benchmarks.

More New York credit unionsMortgage rate benchmarkHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

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# Get rates for O and R Utilities Employees Credit Union
curl "https://api.rateapi.dev/credit-unions/new-york/o-and-r-utilities-employees" \
  -H "Authorization: Bearer YOUR_API_KEY"
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