If you have a higher-rate mortgage, you may be able to cut your monthly payments by refinancing, or pay back your mortgage in less time while paying the same or a little more each month.

Didn't get your loan through Adirondack Regional Federal Credit Union to begin with? That's OK. We can connect you with one of our expert local mortgage lenders to find out how much you can save by switching.

Stop into any of our three credit union locations in Plattsburgh, Tupper Lake, or Potsdam and ask us if a home refinancing option is right for you.

Apply for Refinancing Online

* Every one of our tellers, loan officers, and branch managers is in the midst of training to become a certified financial counselor. Each of our branches already has at least one counselor.
For you, that means we can help assess your individual situation and give you the tools to make an informed decision. So you know the financial impact of your choices before you make them.

Current Mortgage Refinancing Rates

Loan Type Term APR* starting at
Mortgages 1-10 Years 5.75%
11-20 Years 6.75%
21-30 Years 7.25%

*Actual APR and maximum amount financed are determined upon the applicant's credit score.