--- title: "Springfield Firefighters Credit Union Rates: Mortgage 6.79%" description: "Springfield Firefighters Credit Union has the lowest tracked 30-year fixed mortgage rate in Illinois (6.79% APR) among 11 credit unions we verify. Springfield Firefighters Credit Union rates today: 30 year fixed mortgage 6.79% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Springfield Firefighters Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/illinois/springfield-firefighters" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Springfield Firefighters Credit Union Rates: Mortgage 6.79% ### Mortgage rates 10 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 6.788% APR | 6.625% | — | Standard | | **15 Yr. Fixed** 15 year fixed | 6.261% APR | 6.000% | — | Standard | | **10 Yr. Fixed** 10 year fixed | 5.739% APR | 5.375% | — | Standard | | **10/1 ARM** 10 1 arm | 6.287% APR | 5.875% | — | Standard | | **7/1 ARM** 7 1 arm | 6.460% APR | 6.000% | — | Standard | | **5/1 ARM** 5 1 arm | 6.484% APR | 5.875% | — | Standard | | **3/1 ARM** 3 1 arm | 6.523% APR | 5.625% | — | Standard | | **20 Yr. Fixed** 20 year fixed | 6.586% APR | 6.375% | — | Standard | | **5/5 ARM** 5 5 arm | 6.683% APR | 6.000% | — | Standard | | **15/15 ARM** arm | 7.400% APR | 7.250% | — | Standard | Springfield Firefighters Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Springfield Firefighters Credit Union offers a 30-year fixed mortgage at 6.788% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/illinois/springfield-firefighters) , verified from [Springfield Firefighters Credit Union's official website](https://www.firefightersfirstcu.org/Locations/Illinois) Best product position **#1 of 11** 30-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **59 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked Illinois markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.79% | #1 of 11 · lowest in Illinois | State market leader | 59 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Springfield Firefighters 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=springfield-firefighters&state=illinois&code=IL&name=Springfield%20Firefighters%20Credit%20Union) Loading branch locator… ## About Springfield Firefighters Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 369 Assets $3.3M Founded 1938 Locations reported 1 NCUA charter 65256 Charter type Federally insured state-chartered credit union 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. [**Heartland** North · Springfield · IL · 62702 About 1.6 miles away](https://rateapi.dev/credit-unions/illinois/heartland) [**Financial Partners** Main Branch · Springfield · IL · 62702-2308 About 1.6 miles away](https://rateapi.dev/credit-unions/illinois/financial-partners) [**Citizens Equity First** Springfield Dirksen Member Center · Springfield · IL · 62702 About 2.2 miles away](https://rateapi.dev/credit-unions/illinois/citizens-equity-first) [**Imperial** Main Office · Springfield · IL · 62703-2643 About 2.4 miles away](https://rateapi.dev/credit-unions/illinois/imperial) [**Land of Lincoln** Springfield · Springfield · IL · 62704-3716 About 2.7 miles away](https://rateapi.dev/credit-unions/illinois/land-of-lincoln) [**Illinois Educators** County Market · Springfield · IL · 62703 About 3.3 miles away](https://rateapi.dev/credit-unions/illinois/illinois-educators) 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 Springfield Firefighters Credit Union Membership eligibility from Springfield Firefighters Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Springfield Firefighters Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer fire department, nonprofit organizations that support firefighters, fire departments or nonprofit organizations that support firefighters Verified from [Springfield Firefighters Credit Union's membership page](https://www.firefightersfirstcu.org/become-a-member/) . Final membership determination is always made by the credit union. ## Membership rules for Springfield Firefighters Credit Union Employers 3 · Family 4 published paths to membership, last verified August 22, 2026, quoted from Springfield Firefighters Credit Union’s own published criteria. ### Employers 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Employee of Fire Department “New, active and retired firefighters are eligible to join, along with fire department employees” > [source ↗](https://www.firefightersfirstcu.org/become-a-member/) - Employee of Fire Department - Employee of nonprofit organizations that support firefighters “staff of nonprofit organizations that support firefighters” > [source ↗](https://www.firefightersfirstcu.org/become-a-member/) - Employee of nonprofit organizations that support firefighters - Employee of fire departments or nonprofit organizations that support firefighters “individuals receiving pensions from any of these groups” > [source ↗](https://www.firefightersfirstcu.org/become-a-member/) - Employee of fire departments or nonprofit organizations that support firefighters ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Family of a member spouse, child, stepchild, adopted child, parent, stepparent, sibling, grandparent, grandchild “Immediate family members of eligible individuals are also welcome to join, including spouses, children, stepchildren, adopted children, parents, stepparents, siblings, grandparents and grandchildren.” > [source ↗](https://www.firefightersfirstcu.org/become-a-member/) - Family member (spouse, child, stepchild, adopted child, parent, stepparent, sibling, grandparent, grandchild) of a member 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 Springfield Firefighters Credit Union? Yes No ## Work at Springfield Firefighters 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 Springfield Firefighters Credit Union ranks against Illinois peers. - See which AI assistants fetched Springfield Firefighters Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Illinois - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=springfield-firefighters&state=illinois&code=IL&name=Springfield%20Firefighters%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Springfield Firefighters Credit Union offer? Springfield Firefighters 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 Springfield Firefighters Credit Union rates updated? RateAPI verifies Springfield Firefighters 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 Springfield Firefighters Credit Union's rate data? Rate data is collected directly from Springfield Firefighters 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 Springfield Firefighters Credit Union's mortgage rate? As of November 12, 2026, Springfield Firefighters Credit Union offers a 30-year fixed mortgage at 6.788% APR. ### Who can join Springfield Firefighters Credit Union? Springfield Firefighters Credit Union publishes its membership criteria on its own website. RateAPI tracks 4 published membership paths covering 3 employers for Springfield Firefighters Credit Union, each quoted from Springfield Firefighters Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Springfield Firefighters Credit Union's rates against national credit-union benchmarks. [More Illinois credit unions](https://rateapi.dev/credit-unions/illinois) [Illinois mortgage rate leaders](https://rateapi.dev/mortgage-rates/illinois) [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.firefightersfirstcu.org/Locations/Illinois) ### 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 Springfield Firefighters Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Illinois 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 Springfield Firefighters Credit Union curl "https://api.rateapi.dev/credit-unions/illinois /springfield-firefighters " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Springfield Firefighters Credit Union locations Search, filter, and browse all 1 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/illinois/springfield-firefighters Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp