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*NO CLOSING COST MORTGAGES - No Closing Cost Loans require a 3-year recapture period and Transformation Checking with Autopay.
HOME MORTGAGE DISCLOSURE ACT NOTICE - The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau's Web site (www.consumerfinance.gov/hmda).
BORROWER COMPLAINTS AND INQUIRIES - Beginnings Credit Union is registered with the New York State Superintendent of Financial Services. You may file complaints and obtain further information about Beginnings Credit Union by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or at www.dfs.ny.gov.
We offer mortgage loans in Ithaca, Cortland, Waterloo, North Syracuse, East Syracuse and more.