--- title: "Port of Hampton Roads Ila Credit Union Rates: Mortgage 6.54%" description: "Port of Hampton Roads Ila 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 Port of Hampton Roads Ila Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/virginia/port-of-hampton-roads-ila" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Port of Hampton Roads Ila Credit Union Rates: 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 | Port of Hampton Roads Ila Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Port of Hampton Roads Ila Credit Union offers a 30-year fixed mortgage at 6.535% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/virginia/port-of-hampton-roads-ila) , verified from [Port of Hampton Roads Ila Credit Union's official website](https://www.ilafcu.org/) Best product position **Better than the Virginia median** 30-year fixed mortgage Gap to state best **23 bp** 23 bp from state best Vs. state median **41 bp better than 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 | 6.54% | Better than the Virginia median | 23 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 Port of Hampton Roads Ila 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=port-of-hampton-roads-ila&state=virginia&code=VA&name=Port%20of%20Hampton%20Roads%20Ila%20Credit%20Union) Loading branch locator… ## About Port of Hampton Roads Ila Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.5K Assets $9.1M Founded 1975 Locations reported 2 NCUA charter 22049 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile payments - Financial counseling - Payday Alternative Loans II 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. [**Navy Federal Credit Union** NH18-NSA Hampton Roads VA · Norfolk · VA · 23551 About 0.8 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Abnb** Wards Corner Branch · Norfolk · VA · 23505-2512 About 1.4 miles away](https://rateapi.dev/credit-unions/virginia/abnb) [**Langley FCU** Wards Corner Branch · Norfolk · VA · 23505 About 1.5 miles away](https://rateapi.dev/credit-unions/virginia/langley-fcu) [**Chartway** C-9 · Norfolk · VA · 23511-2976 About 1.8 miles away](https://rateapi.dev/credit-unions/virginia/chartway) [**Bayport** Granby Street Branch · Norfolk · VA · 23517-2308 About 3.3 miles away](https://rateapi.dev/credit-unions/virginia/bayport) [**Healthcare Systems** Norfolk General Hospital · Norfolk · VA · 23507 About 3.5 miles away](https://rateapi.dev/credit-unions/virginia/healthcare-systems) 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 Port of Hampton Roads Ila Credit Union Membership eligibility from Port of Hampton Roads Ila Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Port of Hampton Roads Ila Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Port of Hampton Roads Ila Credit Union's membership page](https://www.ilafcu.org/) . Final membership determination is always made by the credit union. ## Work at Port of Hampton Roads Ila 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 Port of Hampton Roads Ila Credit Union ranks against Virginia peers. - See which AI assistants fetched Port of Hampton Roads Ila 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=port-of-hampton-roads-ila&state=virginia&code=VA&name=Port%20of%20Hampton%20Roads%20Ila%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Port of Hampton Roads Ila Credit Union offer? Port of Hampton Roads Ila 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 Port of Hampton Roads Ila Credit Union rates updated? RateAPI verifies Port of Hampton Roads Ila 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 Port of Hampton Roads Ila Credit Union's rate data? Rate data is collected directly from Port of Hampton Roads Ila 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 Port of Hampton Roads Ila Credit Union's mortgage rate? As of November 12, 2026, Port of Hampton Roads Ila Credit Union offers a 30-year fixed mortgage at 6.535% APR. ### Who can join Port of Hampton Roads Ila Credit Union? Port of Hampton Roads Ila Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Port of Hampton Roads Ila 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.ilafcu.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 Port of Hampton Roads Ila 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 Port of Hampton Roads Ila Credit Union curl "https://api.rateapi.dev/credit-unions/virginia /port-of-hampton-roads-ila " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Port of Hampton Roads Ila 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/port-of-hampton-roads-ila Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp