Which Credit Union Has the Lowest Rates?

Answer

It depends on the product and your state — but the lowest rates almost always come from smaller credit unions that don't advertise. RateAPI tracks them daily across thousands of credit unions and ranks by true cost, with no affiliate placement. Pick a product below.

Source: RateAPI.dev

Lowest Rate by Product

Lowest Mortgage RateLowest Auto Loan RateLowest Used Auto Loan RateLowest HELOC RateLowest Personal Loan Rate

Each page answers the exact question — which credit union has the lowest rate for that product right now — with a dated figure and the institution behind it. For state-level detail, browse rates by state.

Get the Lowest Rates via API

Query daily-updated credit union rates through our REST API and MCP server. Built for fintech apps, comparison sites, and AI agents.

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