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Get your dream home with comfortable financing

Get a mortgage that makes you smile.

We’ll walk you through the home buying or home refinancing process, help you figure out how much house you can afford, and as always, make sure you get a low monthly payment.

Locally serviced, fixed-rate mortgages

At CRFCU we have a low rate mortgage for you no matter where you are on your property journey. Our Credit Union has a dedicated team to help with applications and guide members through the process. If you wish to express your interest in a mortgage or looking for any further mortgage-related information, do not hesitate to click the link below, call us a 518.783.2211 or email us at

**APR= Annual Percentage Rate. Fixed rates will be subject to change daily. Minimum score to qualify 675, 80% LTV maximum, owner occupied, DTI 43% max. ***The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $135,000 and an estimated property value of $225,000. The property is located in Albany, NY and is within Albany county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740 or above. At a 3.875% interest rate, the APR for this loan type is 3.969%. The monthly payment schedule would be: 239 payments of $809.21 at an interest rate of 3.875% 1 payment of $808.89 at an interest rate of 3.875% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums. Owners Choice NMLS Identifier: 56538