--- title: "Paho/Who Credit Union Rates (Nov 2026): Mortgage 6.95%" description: "Paho/Who Credit Union rates today: 30 year fixed mortgage 6.95% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Paho/Who Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/virginia/pahowho" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Paho/Who Credit Union Rates (Nov 2026): Mortgage 6.95% ### Mortgage rates 10 offers | Product | Published | Rate | Term / condition | Status | | **FHA 30-Year Fixed - Conforming** 30 year fixed | 6.948% APR | 6.250% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.167% APR | 7.000% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.765% APR | 6.500% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.965% APR | 6.750% | — | Standard | | **5/1 ARM** 5 1 arm | 7.034% APR | 6.500% | — | Standard | | **3/1 ARM** 3 1 arm | 7.055% APR | 6.250% | — | Standard | | **7/1 ARM** 7 1 arm | 7.091% APR | 6.750% | — | Standard | | **10/1 ARM** 10 1 arm | 7.207% APR | 7.000% | — | Standard | | **5/5 ARM** 5 5 arm | 7.232% APR | 6.625% | — | Standard | | **15/15 ARM - Conforming** arm | 7.400% APR | 7.250% | — | Standard | Paho/Who Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Paho/Who Credit Union offers a 30-year fixed mortgage at 6.948% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/virginia/pahowho) , verified from [Paho/Who Credit Union's official website](https://www.pahofcu.org/contact-us/) Best product position **Around the Virginia median** 30-year fixed mortgage Gap to state best **65 bp** 65 bp from state best Vs. state median **Matches state median** 30-year fixed mortgage Products ranked **1** across tracked Virginia markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.95% | Around the Virginia median | 65 bp from state best | Matches state median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Paho/Who 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=pahowho&state=virginia&code=VA&name=Paho%2FWho%20Credit%20Union) Loading branch locator… ## About Paho/Who Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 7K Assets $325.8M Founded 1949 Locations reported 2 NCUA charter 6464 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 - Bilingual services 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. [**State Department FCU** SDFCU Clarendon Branch · Arlington · VA · 22201 Branch in the same ZIP](https://rateapi.dev/credit-unions/virginia/state-department-fcu) [**Nasa** Arlington Branch · Arlington · VA · 22201 About 0.4 miles away](https://rateapi.dev/credit-unions/maryland/nasa) [**Navy Federal Credit Union** Ballston VA · Arlington · VA · 22203 About 0.9 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Northwest** Ballston Branch · Arlington · VA · 22201-4799 About 1.2 miles away](https://rateapi.dev/credit-unions/virginia/northwest) [**Arlington Community** Glebe Road Branch · Arlington · VA · 22207 About 1.6 miles away](https://rateapi.dev/credit-unions/virginia/arlington-community) [**Georgetown University Alumni and ST** GUASFCU · Washington · DC · 20057-0001 About 1.9 miles away](https://rateapi.dev/credit-unions/district-of-columbia/georgetown-university-alumni-and-st) 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 Paho/Who Credit Union Membership eligibility from Paho/Who Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Paho/Who Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Pan American Health Organization (PAHO), World Health Organization (WHO), MedStar Georgetown University Hospital, MedStar Health Faculty Practice Group, MedStar Community Practice Network, Columbia Plaza Limited Partnership, The Fruit Tree Planting Foundation - Association DC Public Health Association - School The George Washington University, Georgetown University, Georgetown Visitation Preparatory School Verified from [Paho/Who Credit Union's membership page](https://www.pahofcu.org/en/about-us/become-a-member/become-a-strategic-partner/) . Final membership determination is always made by the credit union. ## Membership rules for Paho/Who Credit Union Employers 11 · Associations · Schools 3 · Family 2 17 published paths to membership, last verified August 27, 2026, quoted from Paho/Who Credit Union’s own published criteria. ### Employers 11 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Pan American Health Organization (PAHO) “Pan American Health Organization (PAHO) employees, retirees and contractors” > [source ↗](https://www.pahofcu.org/en/about-us/become-a-member/who-can-join/) - Employee of Pan American Health Organization (PAHO) - Retired employee of Pan American Health Organization (PAHO) “Pan American Health Organization (PAHO) employees, retirees and contractors” > [source ↗](https://www.pahofcu.org/en/about-us/become-a-member/who-can-join/) - Retiree of Pan American Health Organization (PAHO) - Contractor of Pan American Health Organization (PAHO) “Pan American Health Organization (PAHO) employees, retirees and contractors” > [source ↗](https://www.pahofcu.org/en/about-us/become-a-member/who-can-join/) - Contractor for Pan American Health Organization (PAHO) - Employee of World Health Organization (WHO) “World Health Organization (WHO) employees, retirees and contractors” > [source ↗](https://www.pahofcu.org/en/about-us/become-a-member/who-can-join/) - Employee of World Health Organization (WHO) - Retired employee of World Health Organization (WHO) “World Health Organization (WHO) employees, retirees and contractors” > [source ↗](https://www.pahofcu.org/en/about-us/become-a-member/who-can-join/) - Retiree of World Health Organization (WHO) - Contractor of World Health Organization (WHO) “World Health Organization (WHO) employees, retirees and contractors” > [source ↗](https://www.pahofcu.org/en/about-us/become-a-member/who-can-join/) - Contractor for World Health Organization (WHO) - Employee of MedStar Georgetown University Hospital “MedStar Georgetown University Hospital employees” > [source ↗](https://www.pahofcu.org/en/about-us/become-a-member/who-can-join/) - Employee of MedStar Georgetown University Hospital - Employee of MedStar Health Faculty Practice Group “MedStar Health Faculty Practice Group employees” > [source ↗](https://www.pahofcu.org/en/about-us/become-a-member/who-can-join/) - Employee of MedStar Health Faculty Practice Group - Employee of MedStar Community Practice Network “MedStar Community Practice Network employees” > [source ↗](https://www.pahofcu.org/en/about-us/become-a-member/who-can-join/) - Employee of MedStar Community Practice Network - Employee of Columbia Plaza Limited Partnership “Columbia Plaza Limited Partnership employees” > [source ↗](https://www.pahofcu.org/en/about-us/become-a-member/who-can-join/) - Employee of Columbia Plaza Limited Partnership - Employee of The Fruit Tree Planting Foundation “The Fruit Tree Planting Foundation employees and volunteers” > [source ↗](https://www.pahofcu.org/en/about-us/become-a-member/who-can-join/) - Employee of The Fruit Tree Planting Foundation ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of DC Public Health Association “DC Public Health Association members” > [source ↗](https://www.pahofcu.org/en/about-us/become-a-member/who-can-join/) - Member of DC Public Health Association ### Schools 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - School employee of The George Washington University (as written on the source page) “The George Washington University faculty and staff” > [source ↗](https://www.pahofcu.org/en/about-us/become-a-member/who-can-join/) - Employee of The George Washington University - School employee of Georgetown University (as written on the source page) “Georgetown University faculty and staff” > [source ↗](https://www.pahofcu.org/en/about-us/become-a-member/who-can-join/) - Employee of Georgetown University - School employee of Georgetown Visitation Preparatory School (as written on the source page) “Georgetown Visitation Preparatory School employees” > [source ↗](https://www.pahofcu.org/en/about-us/become-a-member/who-can-join/) - Employee of Georgetown Visitation Preparatory School ### 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 member, household member “Immediate family members and household members of current PAHO/WHO FCU members” > [source ↗](https://www.pahofcu.org/en/about-us/become-a-member/who-can-join/) - Family member (immediate family member, household member) of a member - Family of a member grandparent, child, household member “Immediate family members of current PAHO/WHO FCU members such as grandparents, children, and members of the same household.” > [source ↗](https://www.pahofcu.org/en/about-us/become-a-member/become-a-strategic-partner/) - Family member (grandparent, child, household member) 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 Paho/Who Credit Union? Yes No ## Work at Paho/Who 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 Paho/Who Credit Union ranks against Virginia peers. - See which AI assistants fetched Paho/Who Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Virginia - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=pahowho&state=virginia&code=VA&name=Paho%2FWho%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Paho/Who Credit Union offer? Paho/Who 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 Paho/Who Credit Union rates updated? RateAPI verifies Paho/Who 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 Paho/Who Credit Union's rate data? Rate data is collected directly from Paho/Who 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 Paho/Who Credit Union's mortgage rate? As of November 12, 2026, Paho/Who Credit Union offers a 30-year fixed mortgage at 6.948% APR. ### Who can join Paho/Who Credit Union? Paho/Who Credit Union publishes its membership criteria on its own website. RateAPI tracks 17 published membership paths covering 11 employers, 1 association and 3 schools for Paho/Who Credit Union, each quoted from Paho/Who Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Paho/Who Credit Union's rates against national credit-union benchmarks. [More Virginia credit unions](https://rateapi.dev/credit-unions/virginia) [Virginia mortgage rate leaders](https://rateapi.dev/mortgage-rates/virginia) [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.pahofcu.org/contact-us/) ### 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 Paho/Who Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Virginia 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 Paho/Who Credit Union curl "https://api.rateapi.dev/credit-unions/virginia /pahowho " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Paho/Who 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/virginia/pahowho Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp