--- title: "Red Canoe Credit Union: #1 15-Yr Mortgage in Washington" description: "Red Canoe Credit Union has the lowest tracked 15-year fixed mortgage rate in Washington (6.39% APR) among 5 credit unions we verify. Red Canoe Credit Union rates today: 30 year fixed mortgage 7.28% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Red Canoe Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/washington/red-canoe" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Red Canoe Credit Union: #1 15-Yr Mortgage in Washington ### Mortgage rates 16 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.275% APR | 7.250% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.500% APR | 7.500% | — | Standard | | **Non-agency 30 Year Fixed** 30 year fixed | 8.388% APR | 8.375% | — | Standard | | **Non-agency 30 Year Fixed** 30 year fixed | 8.625% APR | 8.625% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.395% APR | 6.375% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.625% APR | 6.625% | — | Standard | | **Non-agency 15 Year Fixed** 15 year fixed | 7.395% APR | 7.375% | — | Standard | | **Non-agency 15 Year Fixed** 15 year fixed | 7.625% APR | 7.625% | — | Standard | | **10-Year Fixed** 10 year fixed | 5.805% APR | 5.750% | — | Standard | | **10-Year Fixed** 10 year fixed | 5.875% APR | 5.875% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.266% APR | 6.250% | — | Standard | | **Non-agency 20 Year Fixed** 20 year fixed | 6.740% APR | 6.740% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.907% APR | 6.875% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.125% APR | 7.125% | — | Standard | | **Non-agency 5 Year Fixed** other | 6.240% APR | 6.240% | — | Standard | | **Agency 25 Year Fixed** other | 6.750% APR | 6.750% | — | Standard | Red Canoe Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Red Canoe Credit Union offers a 30-year fixed mortgage at 7.275% APR (0.25 points). > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/washington/red-canoe) , verified from [Red Canoe Credit Union's official website](https://www.redcanoecu.com/) Best product position **#1 of 5** 15-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **15 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 | 7.28% | Room to improve vs. the Washington median | 14 bp from state best | 3 bp behind median | | 15-year fixed mortgage | 6.39% | #1 of 5 · lowest in Washington | State market leader | 15 bp better than median | Published rate position by product as of November 12, 2026 This is the public snapshot. Claim Red Canoe 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=red-canoe&state=washington&code=WA&name=Red%20Canoe%20Credit%20Union) Loading branch locator… ## About Red Canoe Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 60.5K Assets $1.2B Founded 1937 Locations reported 12 NCUA charter 68196 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial education - Bilingual services - 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. [**Fibre** Ocean Beach Branch · Longview · WA · 98632-4296 About 6.1 miles away](https://rateapi.dev/credit-unions/washington/fibre) [**Mint Valley** Mint Valley FCU · Longview · WA · 98632 About 6.6 miles away](https://rateapi.dev/credit-unions/washington/mint-valley) [**Pud** PUD Federal Credit Union · Longview · WA · 98632 About 7.9 miles away](https://rateapi.dev/credit-unions/washington/pud) [**Lower Columbia Longshoremen** Lower Columbia Longshoremen FCU · Longview · WA · 98632-1603 About 8.0 miles away](https://rateapi.dev/credit-unions/washington/lower-columbia-longshoremen) [**Wauna** Corporate · Clatskanie · OR · 97016-7454 About 9.8 miles away](https://rateapi.dev/credit-unions/oregon/wauna) [**Inroads** Rainier Branch · Rainier · OR · 97048 About 10.0 miles away](https://rateapi.dev/credit-unions/oregon/inroads) 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 Red Canoe Credit Union Membership eligibility from Red Canoe Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Red Canoe Credit Union's website. Check the membership page below to confirm whether you qualify. - Location linn, benton, lane, marion, polk — WA, OR Verified from [Red Canoe Credit Union's membership page](https://www.redcanoecu.com/about/membership-benefits) . Final membership determination is always made by the credit union. ## Membership rules for Red Canoe Credit Union Geography 5 counties · Family 2 16 published paths to membership, last verified August 27, 2026, quoted from Red Canoe Credit Union’s own published criteria. ### Geography 6 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Benton County, OR - Lane County, OR - Linn County, OR - Marion County, OR - Polk County, OR - WA “Lives, works, worships, or attends school in the State of Washington” > [source ↗](https://www.redcanoecu.com/about/membership-benefits) ### 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 “Is a family member of someone meeting one of the requirements listed above” > [source ↗](https://www.redcanoecu.com/about/membership-benefits) - Family member of a member - Family of a member family “Is a family member of someone meeting one of the requirements listed above” > [source ↗](https://www.redcanoecu.com/about/membership-benefits) - Family member (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 Red Canoe Credit Union? Yes No ## Work at Red Canoe 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 Red Canoe Credit Union ranks against Washington peers. - See which AI assistants fetched Red Canoe 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=red-canoe&state=washington&code=WA&name=Red%20Canoe%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Red Canoe Credit Union offer? Red Canoe 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 Red Canoe Credit Union rates updated? RateAPI verifies Red Canoe 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 Red Canoe Credit Union's rate data? Rate data is collected directly from Red Canoe 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 Red Canoe Credit Union's mortgage rate? As of November 12, 2026, Red Canoe Credit Union offers a 30-year fixed mortgage at 7.275% APR. ### Who can join Red Canoe Credit Union? Red Canoe Credit Union publishes its membership criteria on its own website. RateAPI tracks 16 published membership paths covering 5 counties for Red Canoe Credit Union, each quoted from Red Canoe Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Red Canoe 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.redcanoecu.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 Red Canoe 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 Red Canoe Credit Union curl "https://api.rateapi.dev/credit-unions/washington /red-canoe " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Red Canoe Credit Union locations Search, filter, and browse all 12 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/red-canoe Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp