--- title: "W S S C Credit Union Rates (Nov 2026): Mortgage 6.54%" description: "W S S C 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 W S S C Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/maryland/w-s-s-c" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # W S S C Credit Union Rates (Nov 2026): Mortgage 6.54% ### Mortgage rates 8 offers | Product | Published | Rate | Term / condition | Status | | **VA 30 Year Fixed - Conforming** 30 year fixed | 6.535% APR | 6.375% | — | Standard | | **30-Year Fixed** 30 year fixed | 6.662% APR | 6.500% | — | Standard | | **FHA 30-Year Fixed - Conforming** 30 year fixed | 6.948% APR | 6.250% | — | Standard | | **30 Year Fixed - Home Ready** 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 | 6.387% APR | 6.125% | — | Standard | | **Jumbo 15-Year Fixed** 15 year fixed | 7.663% APR | 7.500% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.586% APR | 6.375% | — | Standard | W S S C Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, W S S C Credit Union offers a 30-year fixed mortgage at 6.535% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/maryland/w-s-s-c) , verified from [W S S C Credit Union's official website](https://www.wsscfcu.org/) Best product position **Better than the Maryland median** 30-year fixed mortgage Gap to state best **29 bp** 29 bp from state best Vs. state median **41 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked Maryland markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.54% | Better than the Maryland median | 29 bp from state best | 41 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim W S S C 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=w-s-s-c&state=maryland&code=MD&name=W%20S%20S%20C%20Credit%20Union) Loading branch locator… ## About W S S C Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3.3K Assets $35M Founded 1964 Locations reported 6 NCUA charter 16268 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Student scholarships - 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. [**Tower** Laurel Headquarters · Laurel · MD · 20707 About 0.9 miles away](https://rateapi.dev/credit-unions/maryland/tower) [**Navy Federal Credit Union** Laurel MD · Laurel · MD · 20707 About 1.5 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Prince George's Community** Beltsville Branch · Beltsville · MD · 20705 About 2.4 miles away](https://rateapi.dev/credit-unions/maryland/prince-georges-community) [**State Employees CU of Maryland, Inc** SECU Credit Union Maple Lawn · Fulton · MD · 20759 About 4.0 miles away](https://rateapi.dev/credit-unions/maryland/state-employees-cu-of-maryland-inc) [**Market Usa** Laurel HQ · Laurel · MD · 20723-5877 About 4.2 miles away](https://rateapi.dev/credit-unions/maryland/market-usa) [**Apl** Main Office · Laurel · MD · 20723 About 4.5 miles away](https://rateapi.dev/credit-unions/maryland/apl) 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 W S S C Credit Union Membership eligibility from W S S C Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership via employers (WSSC Water +3 more) or the Reid Temple AME Church +1 more or occupations (registered licensed plumber or gas fitter) - Location Montgomery, Prince Georges - Employer WSSC Water, Brightstars at Water Babies, Crockett Facilities Services, Reid Temple Christian Academy - Association Reid Temple AME Church, Kingdom Fellowship AME Church - Occupation registered licensed plumber or gas fitter **Cost to join:** About $5. Verified from [W S S C Credit Union's membership page](https://www.wsscfcu.org/about-us/information/family-membership-service-plan) . Final membership determination is always made by the credit union. ## Membership rules for W S S C Credit Union Employers 8 · Associations 3 · Schools 2 · Family 14 published paths to membership, last verified August 21, 2026, quoted from W S S C Credit Union’s own published criteria. ### Employers 8 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of WSSC Water “You are an employee, contractor, or retiree of WSSC Water.” > [source ↗](https://www.wsscfcu.org/about-us/information/family-membership-service-plan) - Employee of WSSC Water - Contractor of WSSC Water “You are an employee, contractor, or retiree of WSSC Water.” > [source ↗](https://www.wsscfcu.org/about-us/information/family-membership-service-plan) - Contractor for WSSC Water - Retired employee of WSSC Water “You are an employee, contractor, or retiree of WSSC Water.” > [source ↗](https://www.wsscfcu.org/about-us/information/family-membership-service-plan) - Retiree of WSSC Water - Employee of Brightstars at Water Babies - Works in city:MD:laurel “You are an employee of Brightstars at Water Babies who works in Laurel, MD.” > [source ↗](https://www.wsscfcu.org/about-us/information/family-membership-service-plan) - Employee of Brightstars at Water Babies and Works in Laurel, MD - Employee of Crockett Facilities Services - Works in city:MD:bowie “You are an employee of Crockett Facilities Services who works in or is paid or supervised from Bowie, MD.” > [source ↗](https://www.wsscfcu.org/about-us/information/family-membership-service-plan) - Employee of Crockett Facilities Services and Works in Bowie, MD - Employee of Reid Temple AME Church (as written on the source page) - Works in city:MD:glenn dale “You are a member or employee of Reid Temple AME Church headquartered in Glenn Dale, MD” > [source ↗](https://www.wsscfcu.org/about-us/information/family-membership-service-plan) - Employee of Reid Temple AME Church and Works in Glenn Dale, MD - Employee of Kingdom Fellowship AME Church (as written on the source page) - Works in city:MD:calverton “You are a member of employee of Kingdom Fellowship AME Church headquartered in Calverton, MD.” > [source ↗](https://www.wsscfcu.org/about-us/information/family-membership-service-plan) - Employee of Kingdom Fellowship AME Church and Works in Calverton, MD - Employee of St Gabriel’s Parish (as written on the source page) “You are a member or employee of St Gabriel’s Parish in Washington, DC.” > [source ↗](https://www.wsscfcu.org/about-us/information/family-membership-service-plan) - Employee of St Gabriel’s Parish ### Associations 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Reid Temple AME Church - Works in city:MD:glenn dale “You are a member or employee of Reid Temple AME Church headquartered in Glenn Dale, MD” > [source ↗](https://www.wsscfcu.org/about-us/information/family-membership-service-plan) - Member of Reid Temple AME Church and Works in Glenn Dale, MD - Member of Kingdom Fellowship AME Church - Works in city:MD:calverton “You are a member of employee of Kingdom Fellowship AME Church headquartered in Calverton, MD.” > [source ↗](https://www.wsscfcu.org/about-us/information/family-membership-service-plan) - Member of Kingdom Fellowship AME Church and Works in Calverton, MD - Member of St Gabriel’s Parish “You are a member or employee of St Gabriel’s Parish in Washington, DC.” > [source ↗](https://www.wsscfcu.org/about-us/information/family-membership-service-plan) - Member of St Gabriel’s Parish ### Schools 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - School employee of Reid Temple Christian Academy (as written on the source page) “You are an employee or student of Reid Temple Christian Academy in Glenn Dale, MD.” > [source ↗](https://www.wsscfcu.org/about-us/information/family-membership-service-plan) - Employee of Reid Temple Christian Academy - Student of Reid Temple Christian Academy (as written on the source page) “You are an employee or student of Reid Temple Christian Academy in Glenn Dale, MD.” > [source ↗](https://www.wsscfcu.org/about-us/information/family-membership-service-plan) - Student at Reid Temple Christian Academy ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member spouse, child, sibling, parent, grandparent, grandchild, domestic partner “You are an immediate family member of a WSSC Water employee or retiree (spouse, child, sibling, parent, grandparent, grandchild, or domestic partner).” > [source ↗](https://www.wsscfcu.org/about-us/information/family-membership-service-plan) - Family member (spouse, child, sibling, parent, grandparent, grandchild, domestic partner) 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 W S S C Credit Union? Yes No ## Work at W S S C 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 W S S C Credit Union ranks against Maryland peers. - See which AI assistants fetched W S S C Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Maryland - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=w-s-s-c&state=maryland&code=MD&name=W%20S%20S%20C%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does W S S C Credit Union offer? W S S C 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 W S S C Credit Union rates updated? RateAPI verifies W S S C 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 W S S C Credit Union's rate data? Rate data is collected directly from W S S C 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 W S S C Credit Union's mortgage rate? As of November 12, 2026, W S S C Credit Union offers a 30-year fixed mortgage at 6.535% APR. ### Who can join W S S C Credit Union? Membership via employers (WSSC Water +3 more) or the Reid Temple AME Church +1 more or occupations (registered licensed plumber or gas fitter) RateAPI tracks 14 published membership paths covering 8 employers, 3 associations and 2 schools for W S S C Credit Union, each quoted from W S S C Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare W S S C Credit Union's rates against national credit-union benchmarks. [More Maryland credit unions](https://rateapi.dev/credit-unions/maryland) [Maryland mortgage rate leaders](https://rateapi.dev/mortgage-rates/maryland) [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.wsscfcu.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 W S S C Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Maryland 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 W S S C Credit Union curl "https://api.rateapi.dev/credit-unions/maryland /w-s-s-c " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## W S S C Credit Union locations Search, filter, and browse all 6 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/maryland/w-s-s-c Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp