--- title: "Ingersoll-Rand Credit Union: #1 Mortgage in Pennsylvania" description: "Ingersoll-Rand Credit Union has the lowest tracked 30-year fixed mortgage rate in Pennsylvania (6.54% APR) among 12 credit unions we verify. Ingersoll-Rand 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 Ingersoll-Rand Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/pennsylvania/ingersoll-rand" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Ingersoll-Rand Credit Union: #1 Mortgage in Pennsylvania ### Mortgage rates 7 offers | Product | Published | Rate | Term / condition | Status | | **VA 30 Year Fixed - Conforming** 30 year fixed | 6.535% APR | 6.375% | — | 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 | 6.765% APR | 6.500% | — | Standard | | **Jumbo 15-Year Fixed** 15 year fixed | 7.663% APR | 7.500% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.965% APR | 6.750% | — | Standard | Ingersoll-Rand Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Ingersoll-Rand Credit Union offers a 30-year fixed mortgage at 6.535% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/pennsylvania/ingersoll-rand) , verified from [Ingersoll-Rand Credit Union's official website](https://ingersollrandfcu.com/) 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 Ingersoll-Rand 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=ingersoll-rand&state=pennsylvania&code=PA&name=Ingersoll-Rand%20Credit%20Union) Loading branch locator… ## About Ingersoll-Rand Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 8.2K Assets $125M Founded 1961 Locations reported 2 NCUA charter 14425 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 - 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. [**Visions** Sayre · Sayre · PA · 18840-2658 About 0.8 miles away](https://rateapi.dev/credit-unions/new-york/visions) [**Guthrie Community** Elmer Ave Office · Sayre · PA · 18840 About 1.0 miles away](https://rateapi.dev/credit-unions/pennsylvania/guthrie-community) [**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 Ingersoll-Rand Credit Union Membership eligibility from Ingersoll-Rand Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Ingersoll-Rand Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Community Partner List, Animal Care Sanctuary, Athens Borough, Athens Health and Rehabilitation Center, Athens Township, Athens Township Planning and Park Commissions, Athens Township Sewer Authority, Avery-Dennison, BLAM Inc., Bradford Recovery Center, Bradford County Humane Society, Camco Manufacturing Inc., Curione Dental Laboratory, Flowserve, Flynn Energy, Friedman Electric Supply Company, Greater Valley Emergency Medical Services, Henry Dunn Incorporated, Hoffman Health Partners, Ingersoll-Rand Company, Jeld-Wen, Joe Murrelle Press, Leprino Foods, Martha Lloyd Community Services, Maximum Mobility, Middendorf Contracting, Milan Veterinary Clinic, M.R. Dirt Contracting, N/C Industries Inc, Oil States Energy/ Falcon Flowback, Old Glory Forest Products, Ottaviani Optometry, Penn-York Opportunities Inc, Rail House Restaurant & Taproom, Rynone Manufacturing Corporation, Sayre Blast Intermediate Unit 17, Serve Inc, Sopranos Italian Market, State Line Auto Auction, Towanda Borough, Valley Joint Sewer Authority, Williams Auto Plaza Inc - Association Craftmaster FCU, Greater Valley Chamber of Commerce, Sayre Elks Lodge #1148, Spaulding Memorial Library, Susquehanna River Archaeological Center (S.R.A.C.) - Place of worship Athens United Methodist Church, Church of the Redeemer Sayre, Sayre Christian Church - School Athens Area School District, Canton Area School District, Sayre Area School District, Towanda School District, Waverly Central School District, Wyalusing Area School District Verified from [Ingersoll-Rand Credit Union's membership page](https://ingersollrandfcu.com/member-benefits/) . Final membership determination is always made by the credit union. ## Membership rules for Ingersoll-Rand Credit Union Employers 42 · Associations 5 · Schools 6 · Places of worship 3 · Family 57 published paths to membership, last verified August 21, 2026, quoted from Ingersoll-Rand Credit Union’s own published criteria. ### Employers 42 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Community Partner List “Employees of our partner companies and organizations” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Community Partner List - Employee of Animal Care Sanctuary “Animal Care Sanctuary employees and volunteers” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Animal Care Sanctuary - Employee of Athens Borough “Athens Borough employees and elected or appointed officials” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Athens Borough - Employee of Athens Health and Rehabilitation Center “Athens Health and Rehabilitation Center” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Athens Health and Rehabilitation Center - Employee of Athens Township “Athens Township employees and supervisors” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Athens Township - Employee of Athens Township Planning and Park Commissions “Athens Township Planning and Park Commissions” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Athens Township Planning and Park Commissions - Employee of Athens Township Sewer Authority “Athens Township Sewer Authority” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Athens Township Sewer Authority - Employee of Avery Dennison Corporation “Avery-Dennison Employees (formerly Paxar)” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Avery Dennison Corporation - Employee of BLAM Inc. “BLAM Inc. (McDonalds)” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of BLAM Inc. - Employee of Bradford Recovery Center “Bradford Recovery Center employees” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Bradford Recovery Center - Employee of Bradford County Humane Society “Bradford County Humane Society employees and volunteers” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Bradford County Humane Society - Employee of Camco Manufacturing Inc. “Camco Manufacturing Inc. employees” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Camco Manufacturing Inc. - Employee of Curione Dental Laboratory “Curione Dental Laboratory employees who work in, are paid or supervised from Elmira location” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Curione Dental Laboratory - Employee of Flowserve “Flowserve employees working at Moosic location” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Flowserve - Employee of Flynn Energy “Flynn Energy employees” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Flynn Energy - Employee of Friedman Electric Supply Company “Friedman Electric Supply Company employees” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Friedman Electric Supply Company - Employee of Greater Valley Emergency Medical Services “Greater Valley Emergency Medical Services employees and volunteers” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Greater Valley Emergency Medical Services - Employee of Henry Dunn Incorporated “Henry Dunn Incorporated who work in, are paid or supervised from Towanda Pa location” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Henry Dunn Incorporated - Employee of Hoffman Health Partners “Hoffman Health Partners” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Hoffman Health Partners - Retired employee of Ingersoll-Rand Company “Ingersoll-Rand Company retirees or former employees” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Retiree of Ingersoll-Rand Company - Employee of Jeld-Wen “Jeld-Wen employees and retirees” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Jeld-Wen - Employee of Joe Murrelle Press “Joe Murrelle Press employees” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Joe Murrelle Press - Employee of Leprino Foods “Leprino Foods employees of the Waverly NY location” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Leprino Foods - Employee of Martha Lloyd Community Services “Martha Lloyd Community Services employees and volunteers” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Martha Lloyd Community Services - Employee of Maximum Mobility “Maximum Mobility employees” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Maximum Mobility - Employee of Middendorf Contracting “Middendorf Contracting employees” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Middendorf Contracting - Employee of Milan Veterinary Clinic “Milan Veterinary Clinic employees” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Milan Veterinary Clinic - Employee of M.R. Dirt Contracting “M.R. Dirt Contracting employees” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of M.R. Dirt Contracting - Employee of N/C Industries Inc “N/C Industries Inc employees” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of N/C Industries Inc - Employee of Oil States Energy/ Falcon Flowback “Oil States Energy/ Falcon Flowback Employees” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Oil States Energy/ Falcon Flowback - Employee of Old Glory Forest Products “Old Glory Forest Products” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Old Glory Forest Products - Employee of Ottaviani Optometry “Ottaviani Optometry” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Ottaviani Optometry - Employee of Penn-York Opportunities Inc “Penn-York Opportunities Inc employees and board of directors” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Penn-York Opportunities Inc - Employee of Rail House Restaurant & Taproom “Rail House Restaurant & Taproom employees” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Rail House Restaurant & Taproom - Employee of Rynone Manufacturing Corporation “Rynone Manufacturing Corporation employees” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Rynone Manufacturing Corporation - Employee of Sayre Blast Intermediate Unit 17 “Sayre Blast Intermediate Unit 17 employees” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Sayre Blast Intermediate Unit 17 - Employee of Serve Inc “Serve Inc students, employees, board of directors, and volunteers” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Serve Inc - Employee of Sopranos Italian Market “Sopranos Italian Market employees” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Sopranos Italian Market - Employee of State Line Auto Auction “State Line Auto Auction employees” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of State Line Auto Auction - Employee of Towanda Borough “Towanda Borough Employees & Volunteers” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Towanda Borough - Employee of Valley Joint Sewer Authority “Valley Joint Sewer Authority employees and board of directors” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Valley Joint Sewer Authority - Employee of Williams Auto Plaza Inc “Williams Auto Plaza Inc employees who work in, are paid or supervised from Sayre location” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Employee of Williams Auto Plaza Inc ### Associations 5 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Craftmaster FCU (as written on the source page) “Craftmaster FCU employees, members, & retirees” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Member of Craftmaster FCU - Member of Greater Valley Chamber of Commerce (as written on the source page) “Greater Valley Chamber of Commerce employees, board of directors, and volunteers” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Member of Greater Valley Chamber of Commerce - Member of Sayre Elks Lodge #1148 (as written on the source page) “Sayre Elks Lodge #1148 employees” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Member of Sayre Elks Lodge #1148 - Member of Spaulding Memorial Library (as written on the source page) “Spaulding Memorial Library employees and members” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Member of Spaulding Memorial Library - Member of Susquehanna River Archaeological Center (S.R.A.C.) (as written on the source page) “Susquehanna River Archaeological Center (S.R.A.C.) employees and members” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Member of Susquehanna River Archaeological Center (S.R.A.C.) ### Schools 6 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Student of Athens Area School District (as written on the source page) “Athens Area School District students, employees, and board of directors” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Student at Athens Area School District - Student of Canton Area School District (as written on the source page) “Canton Area School District students, employees, and board of directors” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Student at Canton Area School District - Student of Sayre Area School District (as written on the source page) “Sayre Area School District employees, board of directors, and students” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Student at Sayre Area School District - Student of Towanda School District (as written on the source page) “Towanda School District Employees and Board” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Student at Towanda School District - Student of Waverly Central School District (as written on the source page) “Waverly Central School District students, employees, and board of directors” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Student at Waverly Central School District - Student of Wyalusing Area School District (as written on the source page) “Wyalusing Area School District employees and board of directors” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Student at Wyalusing Area School District ### Places of worship 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Athens United Methodist Church “Athens United Methodist Church members” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Member of Athens United Methodist Church - Member of Church of the Redeemer Sayre “Church of the Redeemer Sayre members” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Member of Church of the Redeemer Sayre - Member of Sayre Christian Church “Sayre Christian Church members” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Member of Sayre Christian Church ### 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, household members “Immediate family or household members of existing members” > [source ↗](https://ingersollrandfcu.com/member-benefits/) - Family member (immediate family, household members) 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 Ingersoll-Rand Credit Union? Yes No ## Work at Ingersoll-Rand 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 Ingersoll-Rand Credit Union ranks against Pennsylvania peers. - See which AI assistants fetched Ingersoll-Rand 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=ingersoll-rand&state=pennsylvania&code=PA&name=Ingersoll-Rand%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Ingersoll-Rand Credit Union offer? Ingersoll-Rand 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 Ingersoll-Rand Credit Union rates updated? RateAPI verifies Ingersoll-Rand 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 Ingersoll-Rand Credit Union's rate data? Rate data is collected directly from Ingersoll-Rand 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 Ingersoll-Rand Credit Union's mortgage rate? As of November 12, 2026, Ingersoll-Rand Credit Union offers a 30-year fixed mortgage at 6.535% APR. ### Who can join Ingersoll-Rand Credit Union? Ingersoll-Rand Credit Union publishes its membership criteria on its own website. RateAPI tracks 57 published membership paths covering 42 employers, 5 associations, 6 schools and 3 places of worship for Ingersoll-Rand Credit Union, each quoted from Ingersoll-Rand Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Ingersoll-Rand 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://ingersollrandfcu.com/) ### 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 Ingersoll-Rand 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 Ingersoll-Rand Credit Union curl "https://api.rateapi.dev/credit-unions/pennsylvania /ingersoll-rand " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Ingersoll-Rand 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/ingersoll-rand Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp