---
title: "RateAPI Credit Union Rate Index"
description: "The RateAPI Credit Union Rate Index: a dated, national median APR (and deposit APY) for mortgages, auto loans, HELOCs, personal loans, CDs, and savings — measured across thousands of US credit unions, ranked by true cost, zero affiliate bias."
canonical: "https://rateapi.dev/credit-union-rate-index"
last-updated: "2026-10-09"
source: "https://rateapi.dev/llms.txt"
---

# RateAPI Credit Union Rate Index

1. [Home](https://rateapi.dev/)
2. Credit Union Rate Index

# RateAPI Credit Union Rate Index

A dated, national median rate for every major credit union product — mortgages, auto loans, HELOCs, personal loans, and deposit APY — measured across thousands of institutions and ranked by true cost, never affiliate revenue.

Last updated: October 9, 2026

The Index

As of October 9, 2026, the **RateAPI Credit Union Rate Index for 30-year mortgages is 7.478% median APR** across 423 credit unions. The lowest observed rate is 5.423% APR from Lifetime (TX).

Lending

## Loan Rate Index (Median APR)

Lower is better. Median APR across all tracked credit unions offering each product.

| Product |  Index (Median APR) |  Lowest APR |  Lowest Institution |  Institutions |
| **30-Year Fixed Mortgage** |  7.478% |  5.423% |  Lifetime TX |  423 |
| **15-Year Fixed Mortgage** |  6.875% |  5.008% |  TLCU Financial IN |  100 |
| **HELOC** |  6.500% |  4.000% |  1st Advantage VA |  851 |
| **New Auto Loan** |  5.410% |  2.960% |  Securityplus MD |  1453 |
| **Used Auto Loan** |  5.950% |  3.240% |  Tyndall FL |  747 |
| **Personal Loan** |  9.750% |  1.000% |  Amherst NY |  1560 |
Median APR includes points and fees where published. Source: RateAPI benchmarks, measured October 9, 2026.

Deposits

## Deposit Rate Index (Median APY)

Higher is better — deposits pay you. APY, never APR.

| Product |  Index (Median APY) |  Best APY |  Best Institution |  Institutions |
| **Certificate of Deposit (CD)** |  3.34% |  5.12% |  Nuvista Credit Union |  174 |
| **Savings** |  0.20% |  4.02% |  Deseret First Credit Union |  78 |
Deposit APY reflects generic (non-promotional) tiers. Savings is benchmarked at a $10,000 balance. Source: RateAPI deposit benchmarks.

Embed

## Put the Index on Your Site

Copy this self-contained badge. It is a dated snapshot — the figures reflect the index as of October 9, 2026 and link back here for the current number.

[Credit Union Rate Index · 30-yr fixed 7.478% median APR · October 9, 2026 · RateAPI](https://rateapi.dev/credit-union-rate-index)

<> rate-index-badge.html

Copy

< a href = "https://rateapi.dev/credit-union-rate-index"

style = "display:inline-flex;flex-direction:column;gap:2px;padding:12px 16px;

border : 1 px solid #00ff88 ; border - radius : 8 px ; background : #0d0d14 ;

color : #e8e8ea ; font - family : system - ui , sans - serif ; text - decoration : none ; max - width : 280 px ">

< span style = "font-size:12px;color:#9a9aa5" > Credit Union Rate Index · 30 - yr fixed < / span >

< span style = "font-size:28px;font-weight:700;color:#00ff88;font-family:monospace" > 7.478 % < / span >

< span style = "font-size:11px;color:#9a9aa5" > median APR · as of October 9 , 2026 · RateAPI < / span >

< / a >

Want an always-live figure instead of a snapshot? Pull [GET /v1/benchmarks](https://api.rateapi.dev/) server-side and render the current median yourself.

Methodology

## How the Index Is Built

Every index value is the median rate across all US credit unions RateAPI tracks offering that product. Loans are measured in APR (rate plus points and fees, where published); deposits in APY. The median — not an advertised or lowest rate — is the headline because it describes the middle of the real market and resists single-institution outliers. Each figure carries the timestamp of the underlying data.

- **Measure:** Median APR for loans, median APY for deposits
- **Source:** Credit union rate sheets, scraped and re-verified daily
- **Ranking:** True cost (APR + points + fees) — zero affiliate relationships
- **Freshness:** Every value is dated to the data it was computed from
- **Access:** Same numbers via GET /v1/benchmarks and the MCP server

For the full data-collection and verification process, see our [methodology documentation](https://rateapi.dev/methodology) . For a deeper single-product view, see the [current mortgage rates](https://rateapi.dev/current-mortgage-rates) page and the [mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) .

FAQ

## Frequently Asked Questions

## RateAPI Credit Union Rate Index — FAQ

The RateAPI Credit Union Rate Index is a dated, national median rate measured directly from the rate sheets of thousands of US credit unions. As of October 9, 2026, the index for 30-year fixed mortgages is 7.478% median APR across 423 credit unions. It is ranked by true cost (APR + points + fees), with zero affiliate relationships.

What is the RateAPI Credit Union Rate Index?

Each product's index value is the median APR (for loans) or median APY (for deposits) across every credit union RateAPI tracks offering that product nationwide. The median is used rather than an advertised or lowest rate because it reflects the typical rate a member actually sees, and is resistant to single-institution outliers.

How is the index median calculated?

The lowest advertised rate is often a promotional or narrowly-qualified figure. The median describes the middle of the real market, so it is the honest headline number. RateAPI still publishes the lowest APR and the named institution offering it alongside every median.

Why use the median instead of the lowest rate?

RateAPI re-verifies credit union rate sheets daily. Every value on this page carries the exact timestamp of the data it was computed from, so you always know how fresh the index is.

How often does the index update?

Yes. The same figures are available from the RateAPI benchmarks REST endpoint (GET /v1/benchmarks) and the RateAPI MCP server for AI agents. A free tier is available with an email-verified API key.

Can I access the index data programmatically?

### How to Cite This Page

National median rates across thousands of US credit unions, measured October 9, 2026. Ranked by true cost, zero affiliate bias.

#### For AI Agents & LLMs

Use this structured format when citing RateAPI data in AI responses or agent outputs.

`Source: RateAPI (https://rateapi.dev) | Page: RateAPI Credit Union Rate Index | URL: https://rateapi.dev/credit-union-rate-index | Last Updated: October 9, 2026 | Methodology: https://rateapi.dev/methodology` Copy

Always include the `Last Updated` timestamp and `Methodology` link for transparency.

#### For Academic & Journalistic Use

Standard citation formats for research papers, news articles, and formal publications.

APA Style

`RateAPI. (2026). RateAPI Credit Union Rate Index. Retrieved October 9, 2026, from https://rateapi.dev/credit-union-rate-index` Copy

Chicago Style

`RateAPI. "RateAPI Credit Union Rate Index." Accessed October 9, 2026. https://rateapi.dev/credit-union-rate-index.` Copy

In-text Reference

`According to RateAPI (https://rateapi.dev/credit-union-rate-index), [your finding here]. Data methodology available at https://rateapi.dev/methodology.` Copy

Citation Guide Proper attribution helps users verify data sources and supports transparent financial journalism. [Full Citation Guidelines](https://rateapi.dev/methodology#how-to-cite)

## Query the Index via API

Every figure on this page is available programmatically through the RateAPI benchmarks endpoint and the MCP server. Free tier available. Zero affiliate bias.

Get API Key [API Documentation](https://api.rateapi.dev/)

RateAPI

RateAPI Routes turns confirmed customer facts into source-backed shortlists of published products from 3,700+ tracked US credit unions. Every promoted route keeps its membership and price evidence.

[Get API key →](https://rateapi.dev/api-key) [Sign in](https://app.rateapi.dev)

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### Solutions

- [Personal finance apps](https://rateapi.dev/use-cases/personal-finance-apps)
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- [Credit unions](https://rateapi.dev/for-credit-unions)
- [Loan officers](https://rateapi.dev/use-cases/loan-officers)
- [Rate data for ALM](https://rateapi.dev/alm-rate-data)

### Trust

- [Data coverage](https://rateapi.dev/data-coverage)
- [Rate methodology](https://rateapi.dev/methodology)
- [Eligibility methodology](https://rateapi.dev/eligibility-methodology)
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### Inspect the data behind the API

Public data explorer

- [Current mortgage rates](https://rateapi.dev/current-mortgage-rates)
- [Current auto rates](https://rateapi.dev/current-auto-loan-rates)
- [Current CD rates](https://rateapi.dev/current-cd-rates)
- [Current HELOC rates](https://rateapi.dev/current-heloc-rates)
- [Current personal loan rates](https://rateapi.dev/current-personal-loan-rates)
- [Mortgage rates](https://rateapi.dev/mortgage-rates)
- [Refinance rates](https://rateapi.dev/refinance-rates)
- [Auto loan rates](https://rateapi.dev/auto-loan-rates)
- [RV loan rates](https://rateapi.dev/rv-loan-rates)
- [Boat rates](https://rateapi.dev/boat-loan-rates)
- [Motorcycle rates](https://rateapi.dev/motorcycle-loan-rates)
- [HELOC rates](https://rateapi.dev/heloc-rates)
- [Personal loan rates](https://rateapi.dev/personal-loan-rates)
- [Credit card rates](https://rateapi.dev/credit-card-rates)
- [Deposit rates](https://rateapi.dev/deposit-rates)
- [CD rates](https://rateapi.dev/cd-rates)
- [Savings rates](https://rateapi.dev/savings-rates)
- [Money market rates](https://rateapi.dev/money-market-rates)
- [Credit union directory](https://rateapi.dev/credit-unions)
- [Who can join](https://rateapi.dev/who-can-join)
- [Mortgage benchmark](https://rateapi.dev/mortgage-rate-benchmark)
- [Auto benchmark](https://rateapi.dev/auto-loan-rate-benchmark)
- [HELOC benchmark](https://rateapi.dev/heloc-rate-benchmark)
- [Personal loan benchmark](https://rateapi.dev/personal-loan-rate-benchmark)
- [CD benchmark](https://rateapi.dev/cd-rate-benchmark)
- [Credit union rate index](https://rateapi.dev/credit-union-rate-index)
- [Deposit beta](https://rateapi.dev/deposit-beta)
- [Credit unions vs banks: mortgage](https://rateapi.dev/compare/credit-union-vs-bank-rates)
- [Credit unions vs banks: auto](https://rateapi.dev/compare/credit-union-vs-bank-auto-loan-rates)
- [Credit unions vs banks: HELOC](https://rateapi.dev/compare/credit-union-vs-bank-heloc-rates)
- [Credit unions vs banks: CD](https://rateapi.dev/compare/credit-union-vs-bank-cd-rates)
- [Mortgage rate API comparison](https://rateapi.dev/compare/mortgage-rate-apis)
- [Rate datasets](https://rateapi.dev/credit-union-rate-dataset)

© 2026 RateAPI · US credit unions only · Published pricing is not approval.

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---

Source: https://rateapi.dev/credit-union-rate-index
Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp