I.l.w.u. Mortgage, Auto Loan & HELOC Rates & Who Can Join

Who Can Join I.l.w.u.

Membership eligibility from I.l.w.u.'s own published criteria. How we verify this.

Membership via the ILWU Locals in California +7 more ($1)

AssociationILWU Locals in California, ILWU Local 142, ILWU Alaska Longshore Division, ILWU Alaska Locals 200 and 2201, Inlandboatman’s Union (IBU) - Marine Division of the ILWU, ILWU Locals 5, 8, 28, 40, and 92, S.M.A.R.T. (Sheet Metals, Air, Rail, Transportation), International Workers of the World

Cost to join: About $6 (a $1 membership fee plus a $5 minimum deposit).

Verified from I.l.w.u.'s membership page. Final membership determination is always made by the credit union.

Mortgage Rates

Rates as of July 11, 2026

30-year-fixed

5.824% APR

Rate5.740%

Points0.5

First Mortgage - Conforming - Fixed Rate - 30 Years

30-year-fixed

6.029% APR

Rate5.990%

Points0

First Mortgage - Conforming - Fixed Rate - 30 Years

30-year-fixed

6.198% APR

Rate6.125%

Points0.625

First Mortgage - Jumbo - Fixed Rate - 30 Years

30-year-fixed

6.390% APR

Rate6.375%

Points0

First Mortgage - Jumbo - Fixed Rate - 30 Years

15-year-fixed

5.553% APR

Rate5.375%

Points0.75

First Mortgage - Conforming - Fixed Rate - 15 Years

15-year-fixed

5.689% APR

Rate5.625%

Points0

First Mortgage - Conforming - Fixed Rate - 15 Years

15-year-fixed

5.996% APR

Rate5.875%

Points0.625

First Mortgage - Jumbo - Fixed Rate - 15 Years

15-year-fixed

6.149% APR

Rate6.125%

Points0

First Mortgage - Jumbo - Fixed Rate - 15 Years

savings

5.000% APR

Rate5.000%

Points0

FREE Checking

savings

5.000% APR

Rate5.000%

Points0

Regular Shares

10-year-fixed

5.503% APR

Rate5.250%

Points0.75

First Mortgage - Conforming - Fixed Rate - 10 Years

10-year-fixed

5.591% APR

Rate5.500%

Points0

First Mortgage - Conforming - Fixed Rate - 10 Years

20-year-fixed

5.852% APR

Rate5.740%

Points0.5

First Mortgage - Conforming - Fixed Rate - 20 Years

20-year-fixed

6.041% APR

Rate5.990%

Points0

First Mortgage - Conforming - Fixed Rate - 20 Years

20-year-fixed

6.097% APR

Rate6.000%

Points0.625

First Mortgage - Jumbo - Fixed Rate - 20 Years

20-year-fixed

6.269% APR

Rate6.250%

Points0

First Mortgage - Jumbo - Fixed Rate - 20 Years

Auto Loan Rates

Rates as of July 11, 2026

auto_new

4.990% APR

Rate4.990%

[PROMOTIONAL] New Auto Loan

auto_used

4.990% APR

Rate4.990%

[PROMOTIONAL] Pre-Owned Auto Loan

auto_new

5.240% APR

Rate5.240%

[PROMOTIONAL] New Motorcycle Loan

auto_used

5.740% APR

Rate5.740%

[PROMOTIONAL] Pre-Owned Motorcycle Loan

HELOC Rates

Rates as of July 11, 2026

heloc_variable

6.750% APR

Rate6.750%

Home Equity Line of Credit (HELOC) - 15 Years

heloc_variable

6.750% APR

Rate6.750%

Home Equity Line of Credit (HELOC) - 25 Years

heloc_fixed

7.507% APR

Rate7.240%

Home Equity Loan - Fixed Rate - 15 Years

heloc_fixed

7.612% APR

Rate7.240%

Home Equity Loan - Fixed Rate - 10 Years

Frequently Asked Questions

What rates does I.l.w.u. offer?

I.l.w.u. currently offers mortgage, auto loan, and HELOC rates. The rates shown on this page were last verified July 11, 2026 directly from the credit union's official website.

How often are I.l.w.u. rates updated?

RateAPI verifies I.l.w.u.'s rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 11, 2026.

Where does RateAPI get I.l.w.u.'s rate data?

Rate data is collected directly from I.l.w.u.'s official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is I.l.w.u.'s mortgage rate?

As of July 11, 2026, I.l.w.u. offers a 30-year-fixed mortgage at 5.824% APR.

What is I.l.w.u.'s auto loan rate?

As of July 11, 2026, I.l.w.u. offers auto loans from 4.99% APR.

Related Rate Data

Compare I.l.w.u.'s rates against national credit-union benchmarks.

More California credit unions Mortgage rate benchmark Auto loan rate benchmark HELOC rates How we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal

# Get rates for I.l.w.u.
curl "https://api.rateapi.dev/credit-unions/california/ilwu" \
  -H "Authorization: Bearer YOUR_API_KEY"

Explore API Documentation Use with Claude