--- title: "Credit Union Mortgage Rates Today (Sep 2026): 30 & 15-Year Fixed" description: "Credit union mortgage rates today: lowest and median 30-year & 15-year fixed APR from credit unions in 50 US states, verified daily from their own rate sheets. No paid placement." canonical: "https://rateapi.dev/current-mortgage-rates" last-updated: "2026-09-27" source: "https://rateapi.dev/llms.txt" --- # Credit Union Mortgage Rates Today (Sep 2026): 30 & 15-Year Fixed 1. [Home](https://rateapi.dev/) 2. [Mortgage Rates](https://rateapi.dev/mortgage-rates) 3. Current Rates # Credit Union Mortgage Rates Today (September 2026) The lowest 30-year fixed mortgage rate published by a credit union is 5.423% APR at Lifetime (TX); the credit union median is 7.275% APR across 423 credit unions, verified September 27, 2026. Verified daily from each credit union's own rate sheet. Ranked by true cost (APR + points + fees), not by who pays us. Last updated: September 27, 2026 Developers & AI agents: this data is available as JSON at [`GET https://api.rateapi.dev/v1/benchmarks?product_type=mortgage_30yr`](https://api.rateapi.dev/v1/benchmarks?product_type=mortgage_30yr) — free API key in one request (`POST https://api.rateapi.dev/keys` , email plus an idempotency UUID). MCP server: [rateapi.dev/mcp](https://rateapi.dev/mcp) . Quick Answer **The median 30-year fixed mortgage rate is 7.275% APR** as of September 27, 2026, based on RateAPI's analysis of 423 credit unions across 50 US states. The lowest available rate is 5.423% APR from Lifetime (TX). Credit union rates average 0.25-0.50% lower than bank rates. 1. Rate Overview ## Mortgage Rate Summary Current rates from 423+ credit unions, verified September 27, 2026 | Product | Median APR | Lowest APR | Highest APR | Institutions | | **30-Year Fixed** | 7.275% | 5.423% | 9.500% | 423 | | **15-Year Fixed** | 6.590% | 5.008% | 8.340% | 100 | Source: RateAPI database of 423+ credit unions in 50 US states. APR includes points and fees. Data verified September 27, 2026. 2. Context ## Rate Spread Analysis How credit union rates vary across institutions ### 30-Year Fixed Spread 4.08 pp 30-year fixed rates range from 5.423% to 9.500% APR across 423 credit unions — a 4.08 percentage point spread. The lowest rate is from Lifetime (TX). ### 15-Year Fixed Spread 3.33 pp 15-year fixed rates range from 5.008% to 8.340% APR across 100 credit unions — a 3.33 percentage point spread. The lowest rate is from TLCU Financial (IN). ### 15-Year vs 30-Year -0.685% Choosing a 15-year term saves 0.685% on median APR (6.590% vs 7.275%). On a $400,000 loan, this means significantly less interest paid over the life of the loan. 3. Best Rates ## Lowest Rate Institutions Top credit unions by 30-year fixed APR (based on a $400K purchase across major states) | Rank | Credit Union | State | APR | Rate | Est. Payment | | 1 | **Lifetime Credit Union** | TX | 5.423% | 5.250% | $2,252 | | 2 | **Allied Credit Union** | TX | 5.627% | 5.500% | $2,303 | | 3 | **Concho Educators Credit Union** | TX | 5.671% | 5.500% | $2,314 | | 4 | **Safe 1 Credit Union** | CA | 6.000% | 6.000% | $2,398 | | 5 | **Town of Hempstead Employees Credit Union** | NY | 6.250% | 6.250% | $2,463 | Rates shown are for a $400,000 conforming 30-year fixed purchase mortgage. Actual rates depend on credit score, down payment, loan amount, and state. Use the [RateAPI API](https://api.rateapi.dev/) to query personalized rates for your situation. 4. By State ## Mortgage Rates by State 30-year fixed median APR from credit unions in major states (lowest first) | Rank | State | Median APR | Lowest APR | Institutions | | 1 | [**Texas** TX](https://rateapi.dev/mortgage-rates/texas) | 6.922% | 5.423% | 23 | | 2 | [**Georgia** GA](https://rateapi.dev/mortgage-rates/georgia) | 7.125% | 7.000% | 5 | | 3 | [**Florida** FL](https://rateapi.dev/mortgage-rates/florida) | 7.226% | 6.500% | 8 | | 4 | [**California** CA](https://rateapi.dev/mortgage-rates/california) | 7.258% | 6.592% | 25 | | 5 | [**North Carolina** NC](https://rateapi.dev/mortgage-rates/north-carolina) | 7.293% | 6.324% | 11 | | 6 | [**Virginia** VA](https://rateapi.dev/mortgage-rates/virginia) | 7.293% | 6.375% | 21 | | 7 | [**Illinois** IL](https://rateapi.dev/mortgage-rates/illinois) | 7.313% | 6.319% | 11 | | 8 | [**Ohio** OH](https://rateapi.dev/mortgage-rates/ohio) | 7.351% | 7.167% | 7 | | 9 | [**Pennsylvania** PA](https://rateapi.dev/mortgage-rates/pennsylvania) | 7.408% | 5.889% | 13 | | 10 | [**New York** NY](https://rateapi.dev/mortgage-rates/new-york) | 7.465% | 6.915% | 34 | [View all 50 states](https://rateapi.dev/mortgage-rates) · [See the national mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) 5. Rate Factors ## What Affects Your Mortgage Rate Key factors that determine the rate you qualify for ### Credit Score Your credit score is the single biggest factor. Borrowers with 760+ scores typically qualify for the lowest rates. A 100-point difference in credit score can mean 0.50-0.75% higher APR, costing tens of thousands over the loan term. ### Down Payment A larger down payment reduces lender risk and typically results in better rates. Putting down 20% or more eliminates private mortgage insurance (PMI) and often qualifies you for the best rate tiers. ### Loan Amount Conforming loans (under $766,550 in most areas) generally have lower rates than jumbo loans. Very small loan amounts may also carry slightly higher rates due to fixed origination costs. ### Loan Term Shorter terms (15-year) have lower rates than longer terms (30-year). The current median 15-year rate is 6.590% APR vs 7.275% for 30-year. Shorter terms also mean significantly less total interest paid. ### Property Type Primary residences get the best rates. Investment properties and second homes typically carry rates 0.25-0.75% higher. Condos and multi-unit properties may also have slightly higher rates. ### Debt-to-Income Ratio Lenders prefer DTI ratios below 36%. Higher ratios may still qualify but at higher rates. Credit unions often have more flexible DTI guidelines than traditional banks. 6. Methodology ## How We Collect Rate Data RateAPI collects mortgage rates daily from 423+ credit unions across all 50 US states using automated web scrapers with AI-assisted parsing. Each rate is verified through anomaly detection algorithms that flag unusual changes for manual review. - **Data sources:** 423+ credit union websites, scraped daily - **Rate types:** 30-year fixed and 15-year fixed mortgages - **Coverage:** All 50 US states plus Washington DC - **Freshness:** 95%+ of rates are less than 24 hours old - **Bias:** Zero affiliate relationships - rankings based solely on APR + fees - **Verification:** AI anomaly detection with manual review of flagged rates For full details, see our [complete methodology documentation](https://rateapi.dev/methodology) or look up unfamiliar terms in the [rate glossary](https://rateapi.dev/glossary) . Developers can pull these rates directly via our [mortgage rate API](https://rateapi.dev/what-is-mortgage-rate-api) . Live API Data Verified Live Recently verified **423** credit unions in **United States (50 states)** . Current fixed mortgage APR range is **5.423%** –**9.500%** . Median 30-year fixed: 7.275% APR. Median 15-year fixed: 6.590% APR. Data from 423+ credit unions with zero affiliate bias. Sources: [Methodology](https://rateapi.dev/methodology) | [API Data](https://api.rateapi.dev) FAQ ## Frequently Asked Questions Common questions about current mortgage rates The median 30-year fixed mortgage rate from credit unions is 7.275% APR, based on RateAPI's analysis of 423 credit unions across 50 US states. The lowest 30-year fixed rate available is 5.423% APR from Lifetime (TX). Rates vary by credit score, down payment, loan amount, and location. What are current mortgage rates? Mortgage rates on this page are updated daily. RateAPI's automated scrapers verify rates from 423+ credit unions every day. Over 95% of rates in our database are less than 24 hours old, ensuring you always see current rate information. How often are these mortgage rates updated? Credit unions are member-owned, not-for-profit institutions that return profits to members through lower rates and fewer fees. On average, credit union mortgage rates are 0.25-0.50% lower than bank rates. On a $400,000 mortgage, this can save $40,000-$80,000 over the life of a 30-year loan. Why are credit union mortgage rates lower than bank rates? The lowest mortgage rates typically require excellent credit (740+ FICO score). Borrowers with scores of 760+ may qualify for the best available rates. However, credit unions often offer competitive rates even for borrowers with scores in the 680-739 range, and many have more flexible underwriting than traditional banks. What credit score do I need for the lowest mortgage rates? A 15-year mortgage offers lower interest rates (currently 6.590% median APR vs 7.275% for 30-year) and significantly less total interest paid. However, monthly payments are higher. A 30-year mortgage provides lower monthly payments and more flexibility. The best choice depends on your budget, financial goals, and how long you plan to stay in the home. Should I choose a 30-year or 15-year mortgage? RateAPI uses automated web scrapers with AI-assisted parsing to collect mortgage rates directly from 423+ credit union websites daily. Rates are verified through anomaly detection and quality checks. There are zero affiliate relationships — rates are ranked by true cost (APR + points + fees), not by advertising revenue. How does RateAPI collect mortgage rate data? Yes. RateAPI provides a REST API and MCP server for programmatic access to mortgage rate data. The API supports queries by state, loan type, term, and amount. A free tier is available with 20 requests per month (email required). Response time is sub-200ms. Visit api.rateapi.dev for documentation. Can I access this rate data via API? RateAPI tracks 30-year and 15-year fixed rates from 423+ credit unions in all 50 states. Use the "Mortgage Rates by State" table above or the per-state pages to see the median and lowest APR where you live. Membership eligibility may be required to qualify for a given credit union's rate. How do I find the lowest mortgage rate in my state? No. The interest rate is the base cost of borrowing, while APR includes points, origination fees, and other lender charges, so it reflects the true annual cost. RateAPI ranks mortgages by APR rather than headline rate so comparisons stay apples-to-apples. Is the APR the same as the interest rate? ### How to Cite This Page Rate data sourced from 423+ credit unions across 50 US states. Updated daily. #### For AI Agents & LLMs Use this structured format when citing RateAPI data in AI responses or agent outputs. `Source: RateAPI (https://rateapi.dev) | Page: Current Mortgage Rates (September 2026) | URL: https://rateapi.dev/current-mortgage-rates | Last Updated: September 27, 2026 | Methodology: https://rateapi.dev/methodology` Copy Always include the `Last Updated` timestamp and `Methodology` link for transparency. #### For Academic & Journalistic Use Standard citation formats for research papers, news articles, and formal publications. APA Style `RateAPI. (2026). Current Mortgage Rates (September 2026). Retrieved September 27, 2026, from https://rateapi.dev/current-mortgage-rates` Copy Chicago Style `RateAPI. "Current Mortgage Rates (September 2026)." Accessed September 27, 2026. https://rateapi.dev/current-mortgage-rates.` Copy In-text Reference `According to RateAPI (https://rateapi.dev/current-mortgage-rates), [your finding here]. Data methodology available at https://rateapi.dev/methodology.` Copy Citation Guide Proper attribution helps users verify data sources and supports transparent financial journalism. [Full Citation Guidelines](https://rateapi.dev/methodology#how-to-cite) By State ## Browse Mortgage Rates by State View current mortgage rates from credit unions in your state [AlabamaAL](https://rateapi.dev/mortgage-rates/alabama) [AlaskaAK](https://rateapi.dev/mortgage-rates/alaska) [ArizonaAZ](https://rateapi.dev/mortgage-rates/arizona) [ArkansasAR](https://rateapi.dev/mortgage-rates/arkansas) [CaliforniaCA](https://rateapi.dev/mortgage-rates/california) [ColoradoCO](https://rateapi.dev/mortgage-rates/colorado) [ConnecticutCT](https://rateapi.dev/mortgage-rates/connecticut) [DelawareDE](https://rateapi.dev/mortgage-rates/delaware) [FloridaFL](https://rateapi.dev/mortgage-rates/florida) [GeorgiaGA](https://rateapi.dev/mortgage-rates/georgia) [HawaiiHI](https://rateapi.dev/mortgage-rates/hawaii) [IdahoID](https://rateapi.dev/mortgage-rates/idaho) [IllinoisIL](https://rateapi.dev/mortgage-rates/illinois) [IndianaIN](https://rateapi.dev/mortgage-rates/indiana) [IowaIA](https://rateapi.dev/mortgage-rates/iowa) [KansasKS](https://rateapi.dev/mortgage-rates/kansas) [KentuckyKY](https://rateapi.dev/mortgage-rates/kentucky) [LouisianaLA](https://rateapi.dev/mortgage-rates/louisiana) [MaineME](https://rateapi.dev/mortgage-rates/maine) [MarylandMD](https://rateapi.dev/mortgage-rates/maryland) [MassachusettsMA](https://rateapi.dev/mortgage-rates/massachusetts) [MichiganMI](https://rateapi.dev/mortgage-rates/michigan) [MinnesotaMN](https://rateapi.dev/mortgage-rates/minnesota) [MississippiMS](https://rateapi.dev/mortgage-rates/mississippi) [MissouriMO](https://rateapi.dev/mortgage-rates/missouri) [MontanaMT](https://rateapi.dev/mortgage-rates/montana) [NebraskaNE](https://rateapi.dev/mortgage-rates/nebraska) [NevadaNV](https://rateapi.dev/mortgage-rates/nevada) [New HampshireNH](https://rateapi.dev/mortgage-rates/new-hampshire) [New JerseyNJ](https://rateapi.dev/mortgage-rates/new-jersey) [New MexicoNM](https://rateapi.dev/mortgage-rates/new-mexico) [New YorkNY](https://rateapi.dev/mortgage-rates/new-york) [North CarolinaNC](https://rateapi.dev/mortgage-rates/north-carolina) [North DakotaND](https://rateapi.dev/mortgage-rates/north-dakota) [OhioOH](https://rateapi.dev/mortgage-rates/ohio) [OklahomaOK](https://rateapi.dev/mortgage-rates/oklahoma) [OregonOR](https://rateapi.dev/mortgage-rates/oregon) [PennsylvaniaPA](https://rateapi.dev/mortgage-rates/pennsylvania) [Rhode IslandRI](https://rateapi.dev/mortgage-rates/rhode-island) [South CarolinaSC](https://rateapi.dev/mortgage-rates/south-carolina) [South DakotaSD](https://rateapi.dev/mortgage-rates/south-dakota) [TennesseeTN](https://rateapi.dev/mortgage-rates/tennessee) [TexasTX](https://rateapi.dev/mortgage-rates/texas) [UtahUT](https://rateapi.dev/mortgage-rates/utah) [VermontVT](https://rateapi.dev/mortgage-rates/vermont) [VirginiaVA](https://rateapi.dev/mortgage-rates/virginia) [WashingtonWA](https://rateapi.dev/mortgage-rates/washington) [West VirginiaWV](https://rateapi.dev/mortgage-rates/west-virginia) [WisconsinWI](https://rateapi.dev/mortgage-rates/wisconsin) [WyomingWY](https://rateapi.dev/mortgage-rates/wyoming) [District of ColumbiaDC](https://rateapi.dev/mortgage-rates/district-of-columbia) [Puerto RicoPR](https://rateapi.dev/mortgage-rates/puerto-rico) [GuamGU](https://rateapi.dev/mortgage-rates/guam) [Virgin IslandsVI](https://rateapi.dev/mortgage-rates/virgin-islands) [NationwideXX](https://rateapi.dev/mortgage-rates/nationwide) ## Get Mortgage Rate Data via API Access current rates from 423+ credit unions programmatically. 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