--- title: "Canopy Credit Union: #1 15-Yr Mortgage in Washington" description: "Canopy Credit Union has the lowest tracked 15-year fixed mortgage rate in Washington (6.39% APR) among 5 credit unions we verify. Canopy Credit Union rates today: 30 year fixed mortgage 7.27% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Canopy Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/washington/canopy" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Canopy Credit Union: #1 15-Yr Mortgage in Washington ### Mortgage rates 16 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.273% APR | 7.250% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.500% APR | 7.500% | — | 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 | 7.015% APR | 7.000% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.375% APR | 7.375% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.380% APR | 7.375% | — | Standard | | **Agency 25 Year Fixed** other | 7.379% APR | 7.375% | — | Standard | | **Agency 25 Year Fixed** other | 7.380% APR | 7.375% | — | Standard | | **Agency 25 Year Fixed** other | 7.383% APR | 7.375% | — | Standard | | **Agency 25 Year Fixed** other | 7.625% APR | 7.625% | — | Standard | Canopy Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Canopy Credit Union offers a 30-year fixed mortgage at 7.273% APR (0.228 points). > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/washington/canopy) , verified from [Canopy Credit Union's official website](https://www.canopycu.com/) Best product position **#1 of 5** 15-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **16 bp better than median** 15-year fixed mortgage Products ranked **2** across tracked Washington markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.27% | Room to improve vs. the Washington median | 14 bp from state best | 2 bp behind median | | 15-year fixed mortgage | 6.39% | #1 of 5 · lowest in Washington | State market leader | 16 bp better than median | Published rate position by product as of November 12, 2026 This is the public snapshot. Claim Canopy 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=canopy&state=washington&code=WA&name=Canopy%20Credit%20Union) Loading branch locator… ## About Canopy Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 13.4K Assets $222.2M Founded 1956 Locations reported 4 NCUA charter 11162 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 - Bilingual services - Credit-builder products - Payday Alternative Loans I 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. [**Global** 4th Avenue Branch · Spokane · WA · 99201-7257 About 0.7 miles away](https://rateapi.dev/credit-unions/alaska/global) [**Spokane Teachers** Spokane Teachers Credit Union - Downtown Spokane Branch · Spokane · WA · 99201 About 0.7 miles away](https://rateapi.dev/credit-unions/washington/spokane-teachers) [**Responders Emergency Services** Responders Emergency Services Credit Union · Spokane · WA · 99201-2531 About 0.7 miles away](https://rateapi.dev/credit-unions/washington/responders-emergency-services) [**Numerica** Downtown · Spokane · WA · 99201 About 0.9 miles away](https://rateapi.dev/credit-unions/washington/numerica) [**Spokane City** Spokane City Credit Union Annex · Spokane · WA · 99205-4538 About 1.0 miles away](https://rateapi.dev/credit-unions/washington/spokane-city) [**Boeing Employees** Spokane Division · Spokane · WA · 99202 About 1.2 miles away](https://rateapi.dev/credit-unions/washington/boeing-employees) 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 Canopy Credit Union Membership eligibility from Canopy Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Canopy Credit Union's website. Check the membership page below to confirm whether you qualify. - Location Spokane — WA Verified from [Canopy Credit Union's membership page](https://www.canopycu.com/) . Final membership determination is always made by the credit union. ## Membership rules for Canopy Credit Union Geography 1 county 1 published path to membership, last verified August 5, 2026, from NCUA regulator charter records. ### Geography 1 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Spokane County, WA “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Spokane County, WA” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) 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 Canopy Credit Union? Yes No ## Work at Canopy 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 Canopy Credit Union ranks against Washington peers. - See which AI assistants fetched Canopy Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Washington - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=canopy&state=washington&code=WA&name=Canopy%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Canopy Credit Union offer? Canopy 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 Canopy Credit Union rates updated? RateAPI verifies Canopy 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 Canopy Credit Union's rate data? Rate data is collected directly from Canopy 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 Canopy Credit Union's mortgage rate? As of November 12, 2026, Canopy Credit Union offers a 30-year fixed mortgage at 7.273% APR. ### Who can join Canopy Credit Union? Canopy Credit Union publishes its membership criteria on its own website. RateAPI tracks 1 published membership path covering 1 county for Canopy Credit Union, each quoted from NCUA charter records. ## Related Rate Data Compare Canopy Credit Union's rates against national credit-union benchmarks. [More Washington credit unions](https://rateapi.dev/credit-unions/washington) [Washington mortgage rate leaders](https://rateapi.dev/mortgage-rates/washington) [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.canopycu.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 Canopy Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Washington 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 Canopy Credit Union curl "https://api.rateapi.dev/credit-unions/washington /canopy " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Canopy Credit Union locations Search, filter, and browse all 4 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/washington/canopy Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp