Some members have made us aware they are receiving fraudulent fake masked phone calls from our number. We will never call and ask for personal information like full debit or credit card number, CVV codes, full account or social security number or any passwords. If you receive a call or text that seems suspicious, please do not respond, instead hang up and give us a call directly.


Smart Choice Adjustable-Rate Mortgage with rate increase protection*

As your lender, we’re with you every step of the way. A Smart Choice Adjustable-Rate Mortgage can help make your dreams of homeownership come true.

Adjustable-Rate Loan NY

Are you pausing on the purchase of your dream home, waiting for rates to come down, or are you looking for a mortgage with more flexibility? A Smart Choice Adjustable-Rate Mortgage may be a good option for you.

Make a smart choice, start with a lower interest rate that’s fixed for a set period of time. After that, the rate adjusts based on market conditions. With our Smart Choice Adjustable-Rate Mortgage, you have the power to take advantage of a lower interest rate if market conditions change, with a low-cost modification.**

The Smart Choice Adjustable-Rate Mortgage (ARM) offers:

Download your $500 cashback coupon here. 

To apply for an ARM loan in NY simply:

Federally Insured by NCUA. Equal Housing Opportunity.

*Product available as a 3- or 5-year ARM. ARM Interest rate is 1% less than Northern Credit Union’s current rates on a 30-year fixed-rate mortgage as of 01/31/24. **Modifications will incur a $700 fee. ***2% increase can occur dependent on market rate fluctuation every year after the first 3 or 5 years annually, with a 5% overall rate increase cap over the term of the ARM. ****3% rate decrease is not guaranteed and subject to market rate fluctuation.

¹Between 2/21/24 – 9/30/24 members who have completed their application will receive a $500 deposit within 90 days after the loan closes. Cannot be combined with any other offer.

²Carrier Rates and Fees May Apply.

Meet Our Lenders

Our mortgage loan officers are experienced, licensed—and North County neighbors—who are ready to make the financing or refinancing of your home fast and simple.

Learn More