Lowest APR first
Lowest credit union mortgage rates
Credit unions offer competitive mortgage rates with lower fees and a member-first closing experience. Compare 30-year fixed offers below.
| # | Credit union | APR | Min | As of | |
|---|---|---|---|---|---|
| 1 | Suncoast Tampa, FL | 6.15% | — | 7/3/2026 | View → |
| 2 | Idaho Central Chubbuck, ID | 6.15% | — | 7/3/2026 | View → |
| 3 | Pentagon Mclean, VA | 6.15% | — | 7/3/2026 | View → |
| 4 | Navy Federal Credit Union Vienna, VA | 6.20% | — | 7/3/2026 | View → |
| 5 | First Technology San Jose, CA | 6.20% | — | 7/3/2026 | View → |
| 6 | Alliant Chicago, IL | 6.20% | — | 7/3/2026 | View → |
| 7 | State Employees' Raleigh, NC | 6.25% | — | 7/3/2026 | View → |
| 8 | Ent Colorado Springs, CO | 6.25% | — | 7/3/2026 | View → |
| 9 | America First Riverdale, UT | 6.25% | — | 7/3/2026 | View → |
| 10 | Schoolsfirst Tustin, CA | 6.30% | — | 7/3/2026 | View → |
| 11 | Randolph-Brooks Live Oak, TX | 6.30% | — | 7/3/2026 | View → |
| 12 | Mountain America Sandy, UT | 6.30% | — | 7/3/2026 | View → |
| 13 | Boeing Employees Tukwila, WA | 6.35% | — | 7/3/2026 | View → |
| 14 | Lake Michigan Caledonia, MI | 6.35% | — | 7/3/2026 | View → |
| 15 | The Golden 1 Sacramento, CA | 6.35% | — | 7/3/2026 | View → |
Rates are self-reported by each credit union and may not reflect the latest offer or your eligibility. Confirm current terms on the credit union's page before applying.
Frequently asked questions
Are credit union mortgages a good deal?
Credit unions often pair competitive rates with lower origination fees and more flexible underwriting, which can meaningfully reduce the total cost of your loan.
Do I have to be a member to get a mortgage?
Generally yes — you'll join the credit union as part of the loan process. Many have broad, easy-to-meet membership eligibility.