--- title: "Credit Union Rates & Directory: Find a Credit Union Near You (Sep 2026)" description: "Credit union rates right now — lowest and median mortgage, auto, HELOC, personal loan APR and CD APY — plus a directory of 3,700+ credit unions by ZIP and state with evidence-backed membership eligibility." canonical: "https://rateapi.dev/credit-unions" last-updated: "2026-09-27" source: "https://rateapi.dev/llms.txt" --- # Credit Union Rates & Directory: Find a Credit Union Near You (Sep 2026) ## Find a credit union near you Start with branch locations credit unions report to the NCUA, then compare rates and membership requirements. Learn how proximity is calculated and what to compare on our dedicated [credit unions near me guide](https://rateapi.dev/credit-unions/near-me) . ## Credit Union Rates Right Now Lowest published rate and credit union median for each product, across every credit union RateAPI tracks — verified September 25, 2026. Published member rates, not offers; membership is required. [30-year fixed mortgage 5.42% APR lowest Credit union median 7.28% APR Lifetime (TX) · 423 credit unions](https://rateapi.dev/current-mortgage-rates) [New auto loan 2.99% APR lowest Credit union median 5.25% APR Lowell Firefighters (MA) · 1447 credit unions](https://rateapi.dev/auto-loan-rate-benchmark) [HELOC 4.00% APR lowest Credit union median 6.50% APR 1st Advantage (VA) · 854 credit unions](https://rateapi.dev/heloc-rates) [Personal loan 1.00% APR lowest Credit union median 9.74% APR Amherst (NY) · 1562 credit unions](https://rateapi.dev/personal-loan-rates) [CD / share certificate 5.50% APY highest Credit union median 3.26% APY White Plains P O Employees Credit Union · 186 credit unions](https://rateapi.dev/cd-rates) Each card opens the full benchmark: lowest, median and highest, the lenders behind them, and rates by state. See the [Credit Union Rate Index](https://rateapi.dev/credit-union-rate-index) for the cross-product view. ## Browse Credit Union Rates by State **RateAPI tracks rates for mortgages, auto loans, HELOCs, personal loans, credit cards, savings & CDs, and equipment loans from 3,721+ credit unions across all 50 US states.** Each credit union page shows current rates across all product types, verified daily from official credit union websites. Select a state below to browse credit unions and compare rates. All data is sourced directly—no affiliate relationships influence rankings. Looking for a specific product? Jump straight to [credit union mortgage rates](https://rateapi.dev/mortgage-rates) , [auto loan rates](https://rateapi.dev/auto-loan-rates) , [HELOC rates](https://rateapi.dev/heloc-rates) , [personal loan rates](https://rateapi.dev/personal-loan-rates) , or [credit card rates](https://rateapi.dev/credit-card-rates) . See how we collect and verify the data in our [methodology](https://rateapi.dev/methodology) . ## New: See Who Can Join, Not Just the Rate **Every credit union page now shows a “Who Can Join” section** - the field of membership right next to the rates. See who is eligible (by location, employer, military service, school, place of worship, or an open-to-anyone association path), the concrete steps to become a member, and the **cost to join** (membership fee plus any minimum share deposit) when we can verify it. Each eligibility claim is backed by a **verbatim quote from the credit union's own membership page** , with a link to that source. We annotate rather than exclude: where eligibility can't be confirmed, we label it *unknown* instead of guessing. This is published membership information alongside published rates - not financial advice, and the final determination is always made by the institution. Read the [eligibility methodology](https://rateapi.dev/eligibility-methodology) , or pull it programmatically via the [membership eligibility API](https://rateapi.dev/api/eligibility) . ## Browse by State Select a state to view credit unions and their current rates for mortgages, auto loans, HELOCs, personal loans, credit cards, savings & CDs, and equipment loans AL Alabama 70 credit unions 48 verified AZ Arizona 32 credit unions 22 verified AR Arkansas 36 credit unions 27 verified CA California 214 credit unions 148 verified CO Colorado 58 credit unions 40 verified CT Connecticut 56 credit unions 35 verified DE Delaware 13 credit unions 8 verified DC District of Columbia 22 credit unions 15 verified FL Florida 108 credit unions 72 verified GA Georgia 61 credit unions 38 verified HI Hawaii 39 credit unions 27 verified ID Idaho 20 credit unions 12 verified IL Illinois 146 credit unions 91 verified IN Indiana 99 credit unions 62 verified IA Iowa 54 credit unions 29 verified KS Kansas 54 credit unions 46 verified KY Kentucky 50 credit unions 41 verified LA Louisiana 90 credit unions 56 verified ME Maine 48 credit unions 38 verified MD Maryland 54 credit unions 39 verified MA Massachusetts 112 credit unions 82 verified MI Michigan 163 credit unions 121 verified MN Minnesota 72 credit unions 47 verified MS Mississippi 44 credit unions 22 verified MO Missouri 74 credit unions 50 verified MT Montana 34 credit unions 21 verified NE Nebraska 43 credit unions 30 verified NH New Hampshire 12 credit unions 9 verified NJ New Jersey 94 credit unions 52 verified NM New Mexico 34 credit unions 23 verified NY New York 227 credit unions 146 verified NC North Carolina 52 credit unions 33 verified ND North Dakota 23 credit unions 17 verified OH Ohio 143 credit unions 88 verified OK Oklahoma 49 credit unions 34 verified OR Oregon 43 credit unions 24 verified PA Pennsylvania 233 credit unions 152 verified RI Rhode Island 13 credit unions 12 verified SC South Carolina 43 credit unions 29 verified SD South Dakota 29 credit unions 22 verified TN Tennessee 109 credit unions 69 verified TX Texas 310 credit unions 197 verified UT Utah 43 credit unions 29 verified VT Vermont 14 credit unions 8 verified VA Virginia 74 credit unions 62 verified WA Washington 72 credit unions 50 verified WV West Virginia 60 credit unions 37 verified WI Wisconsin 88 credit unions 64 verified WY Wyoming 15 credit unions 10 verified XX XX 47 credit unions 40 verified ### Other States [Alaska (9)](https://rateapi.dev/credit-unions/alaska) [Guam (1)](https://rateapi.dev/credit-unions/guam) [Nevada (8)](https://rateapi.dev/credit-unions/nevada) [Puerto Rico (4)](https://rateapi.dev/credit-unions/puerto-rico) [Virgin Islands (5)](https://rateapi.dev/credit-unions/virgin-islands) [ZZ (1)](https://rateapi.dev/credit-unions/zz) ## Access via API Get all credit union data programmatically terminal ``` # Get all credit unions grouped by state curl "https://api.rateapi.dev/credit-unions" \ -H "Authorization : Bearer YOUR_API_KEY" ``` [API Documentation](https://api.rateapi.dev/) [View Methodology](https://rateapi.dev/methodology) ## Frequently Asked Questions Common questions about credit union rate data Enter your five-digit ZIP in the finder above. RateAPI ranks the closest NCUA-reported branch for each credit union using estimated straight-line miles from the center of your ZIP area. Open any result to compare current rates, services, and published membership requirements. RateAPI tracks rates for mortgages, auto loans, HELOCs, personal loans, credit cards, savings & CDs, and equipment loans from over 3,721 credit unions across all 50 US states and territories. Our database covers everything from large national credit unions like Navy Federal to small community-based institutions. We verify and update credit union rates daily. Our automated scrapers check each credit union's official website to capture the latest published rates. The "verified" badge indicates rates confirmed within the last 7 days. Yes, all credit union rate data is available through our REST API. You can query rates by state, credit union, or product type (mortgage, auto loan, HELOC, personal loan, credit card). Visit api.rateapi.dev for documentation and to get your API key. Credit unions often offer lower rates than banks on mortgages, auto loans, and other products because they're member-owned nonprofits. However, their rates are scattered across thousands of individual websites, making comparison difficult. RateAPI aggregates this data to help borrowers find the best rates. Yes, every rate we display is verified directly from the credit union's official website. We don't rely on third-party data or manual submissions. Each credit union page shows when rates were last verified and includes a direct link to the source. Select your state from the grid above to see every tracked credit union ranked with its current rates. Each state page lets you compare mortgage, auto loan, HELOC, personal loan, and credit card rates side by side. Yes, credit unions only lend to members, but most have easy eligibility paths such as living in a region, working for a partner employer, or joining an affiliated association. The rates shown here are the published member rates from each credit union's official site. Every credit union page now includes a "Who Can Join" section that shows the field of membership - who is eligible and how to become a member. Each eligibility claim is backed by a verbatim quote pulled from the credit union's own membership page, with a link to that source, plus the cost to join (membership fee and any minimum share deposit) when we can verify it. We annotate rather than exclude: where eligibility can't be confirmed we label it as unknown instead of guessing. This is published membership information, not financial advice - the final determination is always made by the institution. See our eligibility methodology for how the data is collected and verified. Yes. The /credit-unions/{state}/{slug} profile endpoint returns an eligibility object alongside rates, the get_credit_union MCP tool returns the same field-of-membership record for AI agents, and the dedicated membership eligibility API can verdict up to 50 credit unions against a user profile in one call. Every response links the credit union's own membership page as evidence. How do I find credit unions near me? How many credit unions does RateAPI track? How often are rates updated? Can I access this data via API? Why track credit union rates specifically? Are the rates verified? How do I find the lowest credit union rate in my state? Do I have to be a member to get a credit union rate? How do I know if I can join a credit union? Can I get "who can join" data through the API or an AI assistant? Skip to main content --- Source: https://rateapi.dev/credit-unions Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp