--- title: "South Bend Transit Credit Union Rates (Nov 2026): Mortgage 7.27%" description: "South Bend Transit Credit Union rates today: 30 year fixed mortgage 7.27% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join South Bend Transit Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/indiana/south-bend-transit" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # South Bend Transit Credit Union Rates (Nov 2026): Mortgage 7.27% ### Mortgage rates 16 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.273% APR | 7.250% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.500% APR | 7.500% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.386% APR | 6.375% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.392% APR | 6.375% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.393% APR | 6.375% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.750% APR | 6.750% | — | Standard | | **10-Year Fixed** 10 year fixed | 6.018% APR | 6.000% | — | Standard | | **10-Year Fixed** 10 year fixed | 6.259% APR | 6.250% | — | Standard | | **10-Year Fixed** 10 year fixed | 6.625% APR | 6.625% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.015% APR | 7.000% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.375% APR | 7.375% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.380% APR | 7.375% | — | Standard | | **Agency 25 Year Fixed** other | 7.379% APR | 7.375% | — | Standard | | **Agency 25 Year Fixed** other | 7.380% APR | 7.375% | — | Standard | | **Agency 25 Year Fixed** other | 7.383% APR | 7.375% | — | Standard | | **Agency 25 Year Fixed** other | 7.625% APR | 7.625% | — | Standard | South Bend Transit Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, South Bend Transit Credit Union offers a 30-year fixed mortgage at 7.273% APR (0.228 points). > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/indiana/south-bend-transit) , verified from [South Bend Transit Credit Union's official website](https://sbtransitfcu.net/) Best product position **Better than the Indiana median** 30-year fixed mortgage Gap to state best **132 bp** 132 bp from state best Vs. state median **24 bp better than median** 30-year fixed mortgage Products ranked **2** across tracked Indiana markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.27% | Better than the Indiana median | 132 bp from state best | 24 bp better than median | | 15-year fixed mortgage | 6.39% | Better than the Indiana median | 138 bp from state best | 76 bp better than median | Published rate position by product as of November 12, 2026 This is the public snapshot. Claim South Bend Transit 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=south-bend-transit&state=indiana&code=IN&name=South%20Bend%20Transit%20Credit%20Union) Loading branch locator… ## About South Bend Transit Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 362 Assets $2.7M Founded 1941 Locations reported 2 NCUA charter 4487 Charter type Federal credit union ### Services and member support - Electronic statements - Financial counseling - Financial education - 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. [**Policemen's** POLICEMENS FEDERAL CREDIT UNION · South Bend · IN · 46601-3338 About 1.0 miles away](https://rateapi.dev/credit-unions/indiana/policemens) [**South Bend Firefighters** SOUTH BEND FIREFIGHTERS FCU · SOUTH BEND · IN · 46601-3338 About 1.0 miles away](https://rateapi.dev/credit-unions/indiana/south-bend-firefighters) [**Communitywide** Main · South Bend · IN · 46619-3742 About 1.3 miles away](https://rateapi.dev/credit-unions/indiana/communitywide) [**Notre Dame** Dowtown Branch · South Bend · IN · 46601 About 1.7 miles away](https://rateapi.dev/credit-unions/indiana/notre-dame) [**Everwise** Corporate 11 · South Bend · IN · 46601-1805 About 1.7 miles away](https://rateapi.dev/credit-unions/indiana/everwise) [**United** Ireland Road - Branch 36 · South Bend · IN · 46614 About 1.8 miles away](https://rateapi.dev/credit-unions/michigan/united) 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 South Bend Transit Credit Union Membership eligibility from South Bend Transit Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on South Bend Transit Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [South Bend Transit Credit Union's membership page](https://sbtransitfcu.net/) . Final membership determination is always made by the credit union. ## Membership rules for South Bend Transit Credit Union Employers 1 published path to membership, last verified August 21, 2026, quoted from South Bend Transit Credit Union’s own published criteria. ### Employers 1 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Transpo “Membership is available to: Transpo employees” > [source ↗](https://sbtransitfcu.net/about-us) - Employee of Transpo 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 South Bend Transit Credit Union? Yes No ## Work at South Bend Transit 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 South Bend Transit Credit Union ranks against Indiana peers. - See which AI assistants fetched South Bend Transit Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Indiana - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=south-bend-transit&state=indiana&code=IN&name=South%20Bend%20Transit%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does South Bend Transit Credit Union offer? South Bend Transit 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 South Bend Transit Credit Union rates updated? RateAPI verifies South Bend Transit 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 South Bend Transit Credit Union's rate data? Rate data is collected directly from South Bend Transit 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 South Bend Transit Credit Union's mortgage rate? As of November 12, 2026, South Bend Transit Credit Union offers a 30-year fixed mortgage at 7.273% APR. ### Who can join South Bend Transit Credit Union? South Bend Transit Credit Union publishes its membership criteria on its own website. RateAPI tracks 1 published membership path covering 1 employer for South Bend Transit Credit Union, each quoted from South Bend Transit Credit Union's own published membership criteria. ## Related Rate Data Compare South Bend Transit Credit Union's rates against national credit-union benchmarks. [More Indiana credit unions](https://rateapi.dev/credit-unions/indiana) [Indiana mortgage rate leaders](https://rateapi.dev/mortgage-rates/indiana) [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://sbtransitfcu.net/) ### 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 South Bend Transit Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Indiana 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 South Bend Transit Credit Union curl "https://api.rateapi.dev/credit-unions/indiana /south-bend-transit " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## South Bend Transit Credit Union locations Search, filter, and browse all 2 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/indiana/south-bend-transit Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp