--- title: "United Savings Credit Union Rates (Nov 2026): Mortgage 7.13%" description: "United Savings Credit Union rates today: 30 year fixed mortgage 7.13% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join United Savings Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/north-dakota/united-savings" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # United Savings Credit Union Rates (Nov 2026): Mortgage 7.13% ### Mortgage rates 15 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.134% APR | 7.125% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.250% APR | 7.250% | — | 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 | 6.755% APR | 6.750% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.763% APR | 6.750% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.000% APR | 7.000% | — | Standard | | **Agency 25 Year Fixed** other | 7.021% APR | 7.000% | — | Standard | | **Agency 25 Year Fixed** other | 7.125% APR | 7.125% | — | Standard | | **Agency 25 Year Fixed** other | 7.272% APR | 7.250% | — | Standard | United Savings Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, United Savings Credit Union offers a 30-year fixed mortgage at 7.134% APR (0.09000003 points). > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/north-dakota/united-savings) , verified from [United Savings Credit Union's official website](https://www.unitedsavingscu.org/) Loading branch locator… ## About United Savings Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 7.2K Assets $125.3M Founded 1935 Locations reported 5 NCUA charter 65578 Charter type Federally insured state-chartered credit union ### Services and member support - 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. [**Empeople** Fargo · Fargo · ND · 58102 About 1.7 miles away](https://rateapi.dev/credit-unions/illinois/empeople) [**First Community** Branch - Fargo Northland · Fargo · ND · 58102 About 3.0 miles away](https://rateapi.dev/credit-unions/north-dakota/first-community) [**Fargo Public Schools** Fargo Public Schools FCU · Fargo · ND · 58102 About 3.1 miles away](https://rateapi.dev/credit-unions/north-dakota/fargo-public-schools) [**Fargo Va** Fargo VA Federal Credit Union · Fargo · ND · 58102-2417 About 3.1 miles away](https://rateapi.dev/credit-unions/north-dakota/fargo-va) [**Town and Country** Sanford · Fargo · ND · 58122-4520 About 3.8 miles away](https://rateapi.dev/credit-unions/north-dakota/town-and-country) [**F.f.e.** FFE Federal Credit Union · Fargo · ND · 58102-4727 About 4.0 miles away](https://rateapi.dev/credit-unions/north-dakota/ffe) 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 United Savings Credit Union Membership eligibility from United Savings Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on United Savings Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [United Savings Credit Union's membership page](https://www.unitedsavingscu.org/tools-resources/membership-and-benefits/) . Final membership determination is always made by the credit union. ## Membership rules for United Savings Credit Union Geography 1 · Family 2 3 published paths to membership, last verified August 27, 2026, quoted from United Savings Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - radius:75:road:addr:f5de307e84c8 “Our field of membership includes organizations and persons living within a 75-mile radius of the home office of the credit union, located at 1001 1st Ave N, Fargo, ND 58102” > [source ↗](https://www.unitedsavingscu.org/tools-resources/membership-and-benefits/) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family “Our field of membership includes organizations and persons living within a 75-mile radius of the home office of the credit union, located at 1001 1st Ave N, Fargo, ND 58102, and members of their immediate families.” > [source ↗](https://www.unitedsavingscu.org/tools-resources/membership-and-benefits/) - Family member (immediate family) of a member - Family of someone eligible immediate family “Our field of membership includes organizations and persons living within a 75-mile radius of the home office of the credit union, located at 1001 1st Ave N, Fargo, ND 58102, and members of their immediate families.” > [source ↗](https://www.unitedsavingscu.org/tools-resources/membership-and-benefits/) - Family member (immediate family) 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 United Savings Credit Union? Yes No ## Work at United Savings 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 United Savings Credit Union ranks against North Dakota peers. - See which AI assistants fetched United Savings Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in North Dakota - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=united-savings&state=north-dakota&code=ND&name=United%20Savings%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does United Savings Credit Union offer? United Savings 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 United Savings Credit Union rates updated? RateAPI verifies United Savings 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 United Savings Credit Union's rate data? Rate data is collected directly from United Savings 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 United Savings Credit Union's mortgage rate? As of November 12, 2026, United Savings Credit Union offers a 30-year fixed mortgage at 7.134% APR. ### Who can join United Savings Credit Union? United Savings Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 1 geographic area for United Savings Credit Union, each quoted from United Savings Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare United Savings Credit Union's rates against national credit-union benchmarks. [More North Dakota credit unions](https://rateapi.dev/credit-unions/north-dakota) [North Dakota mortgage rate leaders](https://rateapi.dev/mortgage-rates/north-dakota) [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.unitedsavingscu.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 United Savings Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when North Dakota 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 United Savings Credit Union curl "https://api.rateapi.dev/credit-unions/north-dakota /united-savings " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## United Savings Credit Union locations Search, filter, and browse all 5 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/north-dakota/united-savings Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp