Which Credit Union Has the Lowest Mortgage Rate?
As of October 17, 2026, the lowest 30-year fixed mortgage rate tracked across 423 credit unions is 5.423% APR at Lifetime. The median is 7.477% APR. Rates are collected daily and ranked by true cost, with no affiliate placement.
Source: RateAPI.devDevelopers & AI agents: this data is available as JSON at GET 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.
How we find the lowest 30-year fixed mortgage rate
RateAPI scrapes 30-year fixed mortgage rates directly from credit union websites every day — thousands of them, most with no API and no advertising budget. We normalize every rate, rank by true cost (APR, not teaser rate), and surface the lowest. The cheapest rate is rarely from a big advertiser; it's usually a smaller credit union you'd never find on a comparison site.
Rates vary by state, credit score, and term. To see the lowest 30-year fixed mortgage rate near you, browse mortgage rates by state, or query the data directly through the API.
Frequently Asked Questions
As of October 17, 2026, the lowest 30-year fixed mortgage rate tracked across 423 credit unions is 5.423% APR at Lifetime. The median is 7.477% APR. Rates are collected daily and ranked by true cost, with no affiliate placement.
Credit unions are member-owned non-profits, so they frequently offer lower 30-year fixed mortgage rates than traditional banks — often by 0.25–0.50%. The lowest rates usually sit at smaller credit unions that don't advertise, which is exactly the long tail RateAPI tracks.
RateAPI collects 30-year fixed mortgage rates daily by scraping lender websites directly. This page reflects the most recent collection, last refreshed October 17, 2026.
Yes. RateAPI exposes daily-updated 30-year fixed mortgage rates from credit unions through a REST API and MCP server, so apps and AI agents can query the lowest current rate programmatically.
Get the Lowest Mortgage Rate via API
Query daily-updated 30-year fixed mortgage rates from credit unions through our REST API and MCP server. Built for fintech apps, comparison sites, and AI agents.