"The updates to the website are very impressive! It is awesome!"
~ Prudence of Pittsford, NY, Member since 1984

Calculator Rates Apply Vehicle Loans

  • Competitive, simple rates
  • Fast & easy pre-approvals
  • AutoPay convenience
  • Internet & Telephone account access
  • 100% financing available for New/Used Auto Loans
  • 80% financing available for Boat & RV Loans

Terms Card Assistance Rates Apply VISA Platinum Credit Cards

Rates Apply Overdraft Lines of Credit

With an Overdraft Line of Credit, if a transaction is presented for payment and there are not adequate funds in your checking account, we will transfer the amount necessary to cover the transaction up to your available credit limit.

Overdraft Protection Line of Credit Features

  • Overdraft Line of Credit is an unsecured revolving credit line of credit
  • No Monthly Service fees
  • Maximum credit line is $2,500
  • Advances are made for the exact amount of the overdraft
  • Minimum monthly payment is $15
  • Monthly payments are recalculated after each advance and are based on the greater of 3% of the outstanding loan balance, or $15
  • Fast & easy pre-approvals
  • AutoPay convenience
  • Internet & Telephone account access

Calculator Rates Apply Personal Loans

Useful in situations where you simply need funds for a unique purpose, our Personal Loan and Personal Line of Credit offer the flexibility you require. Contact us for more details.

  • Competitive, simple rates
  • Fast & easy pre-approvals
  • AutoPay convenience
  • Internet & Telephone account access

Calculator Rates Apply Share Secured Loans

Not for everyone, but useful in very specific situations, these loans are secured by your funds on deposit. Contact us for more details.

  • Competitive, simple rates
  • Fast & easy pre-approvals
  • AutoPay convenience
  • Internet & Telephone account access
"The credit union is the best and my dog loves the Frisbee!"
~ Gail of Pittsford, NY, Member since 1985

Calculator Rates Apply Mortgage Products

  • Online closing costs estimate
  • Instant pre-approvals for qualified borrowers
  • Lifetime service guarantee
  • Serving Monroe, Orleans, Genesee, Livingston, Ontario or Wayne County
Select a product below for more details

Fixed Rate Mortgages

Adjustable Rate Mortgages

First Time Home Buyers *NEW

Construction Only Loans

Ready to apply?

Use our online mortgage application to Apply Now.

Contact the mortgage department or call us at 585-381-3885 to schedule an appointment.

You may review the checklist of items to bring to your mortgage appointment, or estimate your closing costs using our rate and closing cost calculator.

If you don't see a product that fits your specific situation please let us know. Occasionally, circumstances require unique approaches and we will attempt to meet your needs.


Rates Apply Home Equity Lines of Credit

A Home Equity Line of Credit makes the most sense if you want to put on an addition, add a pool, or landscape your yard. It is always a smarter choice if you anticipate needing a big chunk of cash more than once in the coming years. Many people open a line of credit just for the security of having access to cash if they need it.

  • Pittsford FCU pays the closing costs for Lines up to $50,000. Over $50,000, we ask you to pay partial mortgage tax on the difference above $50,000
  • If the Line is paid off and closed within the first 24 months, there will be a early closeout penalty equal to the closing costs Pittsford FCU paid on your behalf.
  • Borrow Up to 85% of appraised value minus 1st mortgage balance
  • Line amount from $5,000 - $200,000
  • 30 year repayment term
  • Rate adjusts quarterly to Prime rate minus 0.25%, lifetime cap 13.50%
  • Access your funds using a check or a simple transfer
  • Transfer payments or make advances anytime via Internet or Telephone Banking
  • Tax Deductibility - Consult a tax advisor regarding the deductibility of interest. The interest paid may be tax deductible.
  • Available on primary residence located in Monroe, Orleans, Genesee, Livingston, Ontario and Wayne County

Calculator Rates Apply Home Equity Loans

If you're looking for a home equity loan with a fixed rate, and have one specific purpose in mind for a lump sum of money, this is the product to choose. It may be the right choice for consolidating higher interest rate debts and be rid of that debt within a 60 to 240 month term.

  • Pittsford FCU pays the closing costs for Lines up to $50,000. Over $50,000, we ask you to pay partial mortgage tax on the difference above $50,000
  • If the Line is paid off and closed within the first 24 months, there will be a early closeout penalty equal to the closing costs Pittsford FCU paid on your behalf.
  • Borrow up to 90% of appraised value minus 1st mortgage balance
  • Loan amount from $5,000 - $200,000
  • Up to 20 year term
  • Fixed Rate
  • AutoPay options available
  • Internet and Telephone Banking access
  • Tax Deductibility - Consult a tax advisor regarding the deductibility of interest. The interest paid may be tax deductible
  • Available on primary residence located in Monroe, Orleans, Genesee, Livingston, Ontario and Wayne County

Calculator Rates Apply Home Improvement Loans

Do you need to make improvements to your home but haven't been there long enough to build up much equity to qualify for a home equity loan? Then this product can work for you.

  • No closing costs - Pittsord FCU pays the costs on your behalf
  • If the Line is paid off within the first 24 months, there will be a early closeout penalty equal to the closing costs Pittsford FCU paid on your behalf.
  • Borrow Up to 100% of cost of improvements
  • Loan amount from $5,000 - $50,000
  • Up to 10 year term
  • Fixed Rate
  • AutoPay options available
  • Internet and Telephone Banking access
  • Available on primary residence located in Monroe, Orleans, Genesee, Livingston, Ontario and Wayne County