--- title: "Loyalty Credit Union Rates (Nov 2026): Mortgage 6.54%" description: "Loyalty Credit Union rates today: 30 year fixed mortgage 6.54% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Loyalty Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/florida/loyalty" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Loyalty Credit Union Rates (Nov 2026): Mortgage 6.54% ### Mortgage rates 7 offers | Product | Published | Rate | Term / condition | Status | | **VA 30 Year Fixed - Conforming** 30 year fixed | 6.535% APR | 6.375% | — | Standard | | **FHA 30-Year Fixed - Conforming** 30 year fixed | 6.948% APR | 6.250% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.040% APR | 6.875% | — | Standard | | **Jumbo 30-Year Fixed** 30 year fixed | 7.225% APR | 7.125% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.765% APR | 6.500% | — | Standard | | **Jumbo 15-Year Fixed** 15 year fixed | 7.663% APR | 7.500% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.965% APR | 6.750% | — | Standard | Loyalty Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Loyalty Credit Union offers a 30-year fixed mortgage at 6.535% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/florida/loyalty) , verified from [Loyalty Credit Union's official website](https://loyaltycu.org/) Best product position **Better than the Florida median** 30-year fixed mortgage Gap to state best **16 bp** 16 bp from state best Vs. state median **41 bp better than median** 30-year fixed mortgage Products ranked **2** across tracked Florida markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.54% | Better than the Florida median | 16 bp from state best | 41 bp better than median | | 15-year fixed mortgage | 6.76% | Room to improve vs. the Florida median | 75 bp from state best | 51 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Loyalty Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=loyalty&state=florida&code=FL&name=Loyalty%20Credit%20Union) Loading branch locator… ## About Loyalty Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 19.1K Assets $302.9M Founded 1962 Locations reported 7 NCUA charter 62417 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Members First Credit Union of Flori** Nine Mile Road Branch · Pensacola · FL · 32514-5727 About 0.4 miles away](https://rateapi.dev/credit-unions/florida/members-first-credit-union-of-flori) [**Navy Federal Credit Union** Nine Mile RD Pensacola FL · Pensacola · FL · 32514 About 0.6 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Gulf Winds** Administration Building · Pensacola · FL · 32534-3145 About 2.5 miles away](https://rateapi.dev/credit-unions/florida/gulf-winds) [**MY Pensacola** Cantonment Office · Pensacola · FL · 32534-1253 About 3.7 miles away](https://rateapi.dev/credit-unions/florida/my-pensacola) [**Harvesters** Nine Mile Road Branch · Pensacola · FL · 32534-1666 About 4.2 miles away](https://rateapi.dev/credit-unions/florida/harvesters) [**Santa Rosa County** Pace Branch · Pace · FL · 32571 About 4.3 miles away](https://rateapi.dev/credit-unions/florida/santa-rosa-county) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Loyalty Credit Union Membership eligibility from Loyalty Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Loyalty Credit Union's website. Check the membership page below to confirm whether you qualify. - Location escambia, santa rosa, okaloosa, walton, washington, bay, calhoun, gulf, liberty, franklin, gadsden, leon, wakulla, jefferson, duval — FL Verified from [Loyalty Credit Union's membership page](https://loyaltycu.org/) . Final membership determination is always made by the credit union. ## Membership rules for Loyalty Credit Union Geography 15 counties 15 published paths to membership, last verified August 21, 2026, quoted from Loyalty Credit Union’s own published criteria. ### Geography 15 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Bay County, FL - Calhoun County, FL - Duval County, FL - Escambia County, FL - Franklin County, FL - Gadsden County, FL - Gulf County, FL - Jefferson County, FL - Leon County, FL - Liberty County, FL - Okaloosa County, FL - Santa Rosa County, FL - Wakulla County, FL - Walton County, FL - Washington County, FL “Loyalty CU serves Escambia, Santa Rosa, Okaloosa, Walton, Washington, Bay, Calhoun, Gulf, Liberty, Franklin, Gadsden, Leon, Wakulla, Jefferson and Duval county citizens.” > [source ↗](https://loyaltycu.org/) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Loyalty Credit Union? Yes No ## Work at Loyalty Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Loyalty Credit Union ranks against Florida peers. - See which AI assistants fetched Loyalty Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Florida - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=loyalty&state=florida&code=FL&name=Loyalty%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Loyalty Credit Union offer? Loyalty Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Loyalty Credit Union rates updated? RateAPI verifies Loyalty Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Loyalty Credit Union's rate data? Rate data is collected directly from Loyalty Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Loyalty Credit Union's mortgage rate? As of November 12, 2026, Loyalty Credit Union offers a 30-year fixed mortgage at 6.535% APR. ### Who can join Loyalty Credit Union? Loyalty Credit Union publishes its membership criteria on its own website. RateAPI tracks 15 published membership paths covering 15 counties for Loyalty Credit Union, each quoted from Loyalty Credit Union's own published membership criteria. ## Related Rate Data Compare Loyalty Credit Union's rates against national credit-union benchmarks. [More Florida credit unions](https://rateapi.dev/credit-unions/florida) [Florida mortgage rate leaders](https://rateapi.dev/mortgage-rates/florida) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://loyaltycu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Loyalty Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Florida credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Loyalty Credit Union curl "https://api.rateapi.dev/credit-unions/florida /loyalty " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Loyalty Credit Union locations Search, filter, and browse all 7 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/florida/loyalty Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp