--- title: "Guthrie Community Credit Union: #1 Mortgage in Pennsylvania" description: "Guthrie Community Credit Union has the lowest tracked 30-year fixed mortgage rate in Pennsylvania (6.54% APR) among 12 credit unions we verify. Guthrie Community 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 Guthrie Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/pennsylvania/guthrie-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Guthrie Community Credit Union: #1 Mortgage in Pennsylvania ### 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 | | **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 | | **15/15 ARM - Conforming 1** arm | 6.659% APR | 6.375% | — | Standard | Guthrie Community Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Guthrie Community Credit Union offers a 30-year fixed mortgage at 6.535% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/pennsylvania/guthrie-community) , verified from [Guthrie Community Credit Union's official website](https://guthriefcu.org/) Best product position **#1 of 12** 30-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **69 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked Pennsylvania markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.54% | #1 of 12 · lowest in Pennsylvania | State market leader | 69 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Guthrie Community 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=guthrie-community&state=pennsylvania&code=PA&name=Guthrie%20Community%20Credit%20Union) Loading branch locator… ## About Guthrie Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 7.3K Assets $124.4M Founded 1979 Locations reported 2 NCUA charter 23394 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 - First-time homebuyer program 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. [**Ingersoll-Rand** Ingersoll-Rand Federal Credit Union · Sayre · PA · 18840-9246 About 0.6 miles away](https://rateapi.dev/credit-unions/pennsylvania/ingersoll-rand) [**Visions** Sayre · Sayre · PA · 18840-2658 About 0.8 miles away](https://rateapi.dev/credit-unions/new-york/visions) [**Corning** Elmira Branch · Elmira · NY · 14901-1563 About 12.8 miles away](https://rateapi.dev/credit-unions/new-york/corning) [**First Heritage** Southport · Elmira · NY · 14904 About 14.7 miles away](https://rateapi.dev/credit-unions/new-york/first-heritage) [**Corporate America Family** Towanda · Towanda · PA · 18848-2152 About 15.6 miles away](https://rateapi.dev/credit-unions/illinois/corporate-america-family) [**Solutions** main/only office · Elmira · NY · 14904-2501 About 16.0 miles away](https://rateapi.dev/credit-unions/new-york/solutions) 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 Guthrie Community Credit Union Membership eligibility from Guthrie Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Guthrie Community Credit Union's website. Check the membership page below to confirm whether you qualify. - Location bradford, tompkins, schuyler, tioga, chemung, steuben — PA, NY Verified from [Guthrie Community Credit Union's membership page](https://guthriefcu.org/) . Final membership determination is always made by the credit union. ## Membership rules for Guthrie Community Credit Union Geography 7 counties · Family 29 published paths to membership, last verified August 27, 2026, quoted from Guthrie Community Credit Union’s own published criteria. ### Geography 7 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Bradford County, PA - Chemung County, NY - Schuyler County, NY - Steuben County, NY - Tioga County, NY - Tioga County, PA - Tompkins County, NY “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Bradford County, PA” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### 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 immediate family “Immediate family of current GCCU members can also join.” > [source ↗](https://guthriefcu.org/become-a-member/) - Family member (immediate family) 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 Guthrie Community Credit Union? Yes No ## Work at Guthrie Community 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 Guthrie Community Credit Union ranks against Pennsylvania peers. - See which AI assistants fetched Guthrie Community Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Pennsylvania - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=guthrie-community&state=pennsylvania&code=PA&name=Guthrie%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Guthrie Community Credit Union offer? Guthrie Community 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 Guthrie Community Credit Union rates updated? RateAPI verifies Guthrie Community 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 Guthrie Community Credit Union's rate data? Rate data is collected directly from Guthrie Community 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 Guthrie Community Credit Union's mortgage rate? As of November 12, 2026, Guthrie Community Credit Union offers a 30-year fixed mortgage at 6.535% APR. ### Who can join Guthrie Community Credit Union? Guthrie Community Credit Union publishes its membership criteria on its own website. RateAPI tracks 29 published membership paths covering 7 counties for Guthrie Community Credit Union, each quoted from Guthrie Community Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Guthrie Community Credit Union's rates against national credit-union benchmarks. [More Pennsylvania credit unions](https://rateapi.dev/credit-unions/pennsylvania) [Pennsylvania mortgage rate leaders](https://rateapi.dev/mortgage-rates/pennsylvania) [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://guthriefcu.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 Guthrie Community Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Pennsylvania 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 Guthrie Community Credit Union curl "https://api.rateapi.dev/credit-unions/pennsylvania /guthrie-community " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Guthrie Community 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/pennsylvania/guthrie-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp