--- title: "Peach State Credit Union Rates (Nov 2026): Mortgage 7.54%" description: "Peach State Credit Union rates today: 30 year fixed mortgage 7.54% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Peach State Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/georgia/peach-state" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Peach State Credit Union Rates (Nov 2026): Mortgage 7.54% ### Mortgage rates 5 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.544% APR | 7.375% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.658% APR | 6.375% | — | Standard | | **5/5 ARM** 5 5 arm | 6.572% APR | 5.875% | — | Standard | | **7/7 ARM** 7 7 arm | 6.629% APR | 6.000% | — | Standard | | **10/10 ARM** 10 10 arm | — APR | 6.950% | — | Standard | Peach State Credit Union mortgage rates as of November 13, 2026 As of November 13, 2026, Peach State Credit Union offers a 30-year fixed mortgage at 7.544% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/georgia/peach-state) , verified from [Peach State Credit Union's official website](https://www.peachstatefcu.org/) Best product position **Room to improve vs. the Georgia median** 30-year fixed mortgage Gap to state best **90 bp** 90 bp from state best Vs. state median **55 bp behind median** 30-year fixed mortgage Products ranked **1** across tracked Georgia markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.54% | Room to improve vs. the Georgia median | 90 bp from state best | 55 bp behind median | Published rate position by product as of November 12, 2026 This is the public snapshot. Claim Peach State 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=peach-state&state=georgia&code=GA&name=Peach%20State%20Credit%20Union) Loading branch locator… ## About Peach State Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 76.6K Assets $1.1B Founded 1961 Locations reported 30 NCUA charter 14676 Charter type Federal credit union ### Services and member support - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - Financial education - First-time homebuyer program - Student scholarships - Payday Alternative Loans I 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. [**Associated Credit Union** Associated Credit Union - Buford Drive · Lawrenceville · GA · 30043 About 2.1 miles away](https://rateapi.dev/credit-unions/georgia/associated-credit-union) [**Georgia's Own** Buford · Buford · GA · 30519 About 4.6 miles away](https://rateapi.dev/credit-unions/georgia/georgias-own) [**Platinum** Corporate Office · Duluth · GA · 30097 About 4.7 miles away](https://rateapi.dev/credit-unions/georgia/platinum) [**Metro Medical** Co-Op Shared Branching Network · Duluth · GA · 30097 About 4.8 miles away](https://rateapi.dev/credit-unions/texas/metro-medical) [**P & S** Shares Service Center · Duluth · GA · 30097 About 4.8 miles away](https://rateapi.dev/credit-unions/utah/p-s) [**Delta Community** Duluth (Sugarloaf) · Duluth · GA · 30097-4117 About 4.9 miles away](https://rateapi.dev/credit-unions/georgia/delta-community) 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 Peach State Credit Union Membership eligibility from Peach State Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Peach State Credit Union's website. Check the membership page below to confirm whether you qualify. - Location abbeville, aiken, edgefield, greenwood, mccormick, oconee, pickens, chattooga, clarke, habersham, richmond — SC, GA Verified from [Peach State Credit Union's membership page](https://www.peachstatefcu.org/membership) . Final membership determination is always made by the credit union. ## Membership rules for Peach State Credit Union Geography 11 counties · Family 45 published paths to membership, last verified September 13, 2026, quoted from Peach State Credit Union’s own published criteria. ### Geography 11 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Abbeville County, SC - Aiken County, SC - Chattooga County, GA - Clarke County, GA - Edgefield County, SC - Greenwood County, SC - Habersham County, GA - Mccormick County, SC - Oconee County, SC - Pickens County, SC - Richmond County, GA “all persons who live, work, worship or attend school in Abbeville, Aiken, Edgefield, Greenwood, McCormick, Oconee, and Pickens Counties in South Carolina and Chattooga, Clarke, Habersham, and Richmond Counties in Georgia are eligible to join.” > [source ↗](https://www.peachstatefcu.org/membership) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Family of someone eligible immediate family, household member “Membership is open to immediate family and household members of eligible individuals.” > [source ↗](https://www.peachstatefcu.org/membership) - Family member (immediate family, household member) of an eligible person 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 Peach State Credit Union? Yes No ## Work at Peach State 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 Peach State Credit Union ranks against Georgia peers. - See which AI assistants fetched Peach State Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Georgia - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=peach-state&state=georgia&code=GA&name=Peach%20State%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Peach State Credit Union offer? Peach State Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Peach State Credit Union rates updated? RateAPI verifies Peach State Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Peach State Credit Union's rate data? Rate data is collected directly from Peach State 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 Peach State Credit Union's mortgage rate? As of November 13, 2026, Peach State Credit Union offers a 30-year fixed mortgage at 7.544% APR. ### Who can join Peach State Credit Union? Peach State Credit Union publishes its membership criteria on its own website. RateAPI tracks 45 published membership paths covering 11 counties for Peach State Credit Union, each quoted from Peach State Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Peach State Credit Union's rates against national credit-union benchmarks. [More Georgia credit unions](https://rateapi.dev/credit-unions/georgia) [Georgia mortgage rate leaders](https://rateapi.dev/mortgage-rates/georgia) [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://www.peachstatefcu.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 Peach State Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Georgia 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 Peach State Credit Union curl "https://api.rateapi.dev/credit-unions/georgia /peach-state " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Peach State Credit Union locations Search, filter, and browse all 30 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/georgia/peach-state Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp