---
title: "Credit Union Mortgage Rates"
description: "Mortgage rate data: 30-year fixed averages 7.3% APR, 15-year 6.88% (September 2026) across 446+ credit unions. Free state summary (CC BY 4.0); full dataset via the API."
canonical: "https://rateapi.dev/mortgage-data"
last-updated: "2026-10-10"
source: "https://rateapi.dev/llms.txt"
---

# Credit Union Mortgage Rates

Data period: 2026-09-01 to 2026-09-30

1

## National Rate Overview

Average mortgage APR across all credit unions in the dataset, broken down by product type (30-year, 15-year, 20-year, and 10-year fixed). State averages for 30-year fixed range from **6.27%** (HI) to **7.98%** (NE).

Average APR by Product Type

2

## Loan Program Comparison

Compare average mortgage APR across loan programs — conventional, jumbo, FHA, VA, and USDA. Program availability varies by credit union.

Average APR by Loan Program

3

## State Comparison

Compare average mortgage APR across US states. Use the dropdowns to filter by product type and loan program. States with fewer than 2 data points are excluded.

Average APR by State

10-Year Fixed 15-Year Fixed 20-Year Fixed 30-Year Fixed All Programs Conventional FHA Jumbo USDA VA

4

## Data Coverage

Breakdown by product type showing the average, minimum, and maximum APR along with the number of rate observations.

| Product Type |  Avg APR |  Min |  Max |  Count |
| 30-Year Fixed |  7.30% |  5.25% |  9.63% |  1,087 |
| 15-Year Fixed |  6.88% |  5.00% |  10.65% |  737 |
| 20-Year Fixed |  7.20% |  5.04% |  8.75% |  393 |
| 10-Year Fixed |  6.64% |  4.50% |  10.76% |  337 |

### By Loan Program

| Loan Program |  Avg APR |  Min |  Max |  Count |
| Conventional |  6.99% |  4.50% |  10.76% |  1,943 |
| Jumbo |  7.37% |  5.50% |  8.28% |  266 |
| FHA |  7.45% |  5.25% |  8.61% |  178 |
| VA |  7.13% |  5.75% |  7.94% |  142 |
| USDA |  7.29% |  5.38% |  7.81% |  25 |
5

## Get the Data

The state-level summary is free to download under CC BY 4.0 — cite RateAPI and use it for research, journalism, or apps. The full rate-level dataset — every credit union, every product, refreshed daily — is served through the REST API, which starts with a free key.

📋

#### Summary JSON (free)

Pre-aggregated by state, product type, and loan program. CC BY 4.0.

⚡

#### Full dataset via API

Every rate record, refreshed daily, filterable by state, product, and program.

[application/json](https://rateapi.dev/data/mortgage-rates/mortgage-rates-summary.json) [free API key](https://rateapi.dev/rates-api)

```
# Full rate-level data via the API
curl "https://api.rateapi.dev/v1/rates?category=mortgage&state=TX" \
  -H "Authorization: Bearer YOUR_API_KEY"
```

6

## Schema

Each record in the JSON file contains the following fields:

`credit_union_name` Name of the credit union (string)

`credit_union_state` Two-letter US state code, e.g. "CA"

`credit_union_city` City of the credit union (string or null)

`product_name` Original product name from the source website

`display_name` Readable product label (e.g. "48-Month Certificate"); product_name is the raw source name

`product_type` Normalized type: "30-year-fixed", "15-year-fixed", "20-year-fixed", or "10-year-fixed"

`loan_program` Loan program: "conventional", "jumbo", "fha", "va", "usda", or null

`rate` Base interest rate before fees (number, e.g. 6.25)

`apr` Annual Percentage Rate including fees (number, e.g. 6.375)

`points` Discount points (number, e.g. 0 or 0.5, or null)

`source_url` URL of the credit union rate page (string or null)

`scraped_at` ISO 8601 timestamp of when rate was collected

7

## Frequently Asked Questions

### What is the average credit union mortgage rate?

In September 2026, the average 30-year fixed mortgage APR across 446+ US credit unions was 7.3%, and the average 15-year fixed APR was 6.88%. See the [latest credit union mortgage rates](https://rateapi.dev/mortgage-rates) for current figures.

### Is this mortgage rate dataset free to use?

Yes. The dataset is published under the Creative Commons CC BY 4.0 license, so you can use it for research, apps, journalism, or commercial products as long as you attribute RateAPI.

### How do I download credit union mortgage rate data?

Download the full dataset above as JSON or CSV, or grab the pre-aggregated summary JSON grouped by state, product type, and loan program. For live rates updated daily, use the [RateAPI mortgage rates API](https://rateapi.dev/mortgage-rates) .

### How often is the mortgage rate dataset updated?

This open dataset is refreshed monthly as a snapshot. The current release covers 2026-09-01 to 2026-09-30. Real-time rates are available through the API and the [data methodology](https://rateapi.dev/methodology) explains how rates are collected.

## Need Real-Time Data?

This open dataset is a monthly snapshot. For live rates updated daily from 3,700+ credit unions with personalized recommendations, use the RateAPI.

[Explore API Docs](https://api.rateapi.dev/) [Auto Loan Dataset](https://rateapi.dev/auto-loan-data)

RateAPI

RateAPI Routes turns confirmed customer facts into source-backed shortlists of published products from 3,700+ tracked US credit unions. Every promoted route keeps its membership and price evidence.

[Get API key →](https://rateapi.dev/api-key) [Sign in](https://app.rateapi.dev)

### Build

- [RateAPI Routes →](https://rateapi.dev/routes)
- [Product Matching API](https://rateapi.dev/financial-product-eligibility-api)
- [Membership Eligibility API](https://rateapi.dev/api/eligibility)
- [Rate Query API](https://rateapi.dev/rates-api)
- [Decision API](https://rateapi.dev/api/reference)
- [Batch Decisions API](https://rateapi.dev/api/batch-decisions)

### Deliver

- [Developer Portal →](https://rateapi.dev/developers)
- [Create a free API key](https://rateapi.dev/api-key)
- [REST API docs](https://api.rateapi.dev/)
- [OpenAPI spec](https://api.rateapi.dev/openapi.json)
- [MCP Server](https://rateapi.dev/mcp)
- [Widget builder](https://rateapi.dev/widget-builder)
- [RateAPI Routes widget](https://rateapi.dev/widget-docs/routes)
- [Market Rates widget](https://rateapi.dev/widget-docs/rates)
- [Webhooks](https://api.rateapi.dev/webhooks)
- [Versioning & deprecation](https://rateapi.dev/deprecation-policy)
- [GitHub](https://github.com/rate-api)

### Solutions

- [Personal finance apps](https://rateapi.dev/use-cases/personal-finance-apps)
- [AI purchase advisors](https://rateapi.dev/use-cases/ai-purchasing-tools)
- [AI agents](https://rateapi.dev/use-cases/ai-agents)
- [Car buying platforms](https://rateapi.dev/use-cases/car-buying-platforms)
- [Credit unions](https://rateapi.dev/for-credit-unions)
- [Loan officers](https://rateapi.dev/use-cases/loan-officers)
- [Rate data for ALM](https://rateapi.dev/alm-rate-data)

### Trust

- [Data coverage](https://rateapi.dev/data-coverage)
- [Rate methodology](https://rateapi.dev/methodology)
- [Eligibility methodology](https://rateapi.dev/eligibility-methodology)
- [Transparency](https://rateapi.dev/transparency)
- [Independence](https://rateapi.dev/independence)
- [Corrections](https://rateapi.dev/corrections)
- [Pricing](https://rateapi.dev/pricing)
- [About](https://rateapi.dev/about)
- [Contact](https://rateapi.dev/contact)
- Talk to a human

### Inspect the data behind the API

Public data explorer

- [Current mortgage rates](https://rateapi.dev/current-mortgage-rates)
- [Current auto rates](https://rateapi.dev/current-auto-loan-rates)
- [Current CD rates](https://rateapi.dev/current-cd-rates)
- [Current HELOC rates](https://rateapi.dev/current-heloc-rates)
- [Current personal loan rates](https://rateapi.dev/current-personal-loan-rates)
- [Mortgage rates](https://rateapi.dev/mortgage-rates)
- [Refinance rates](https://rateapi.dev/refinance-rates)
- [Auto loan rates](https://rateapi.dev/auto-loan-rates)
- [RV loan rates](https://rateapi.dev/rv-loan-rates)
- [Boat rates](https://rateapi.dev/boat-loan-rates)
- [Motorcycle rates](https://rateapi.dev/motorcycle-loan-rates)
- [HELOC rates](https://rateapi.dev/heloc-rates)
- [Personal loan rates](https://rateapi.dev/personal-loan-rates)
- [Credit card rates](https://rateapi.dev/credit-card-rates)
- [Deposit rates](https://rateapi.dev/deposit-rates)
- [CD rates](https://rateapi.dev/cd-rates)
- [Savings rates](https://rateapi.dev/savings-rates)
- [Money market rates](https://rateapi.dev/money-market-rates)
- [Credit union directory](https://rateapi.dev/credit-unions)
- [Who can join](https://rateapi.dev/who-can-join)
- [Mortgage benchmark](https://rateapi.dev/mortgage-rate-benchmark)
- [Auto benchmark](https://rateapi.dev/auto-loan-rate-benchmark)
- [HELOC benchmark](https://rateapi.dev/heloc-rate-benchmark)
- [Personal loan benchmark](https://rateapi.dev/personal-loan-rate-benchmark)
- [CD benchmark](https://rateapi.dev/cd-rate-benchmark)
- [Credit union rate index](https://rateapi.dev/credit-union-rate-index)
- [Deposit beta](https://rateapi.dev/deposit-beta)
- [Credit unions vs banks: mortgage](https://rateapi.dev/compare/credit-union-vs-bank-rates)
- [Credit unions vs banks: auto](https://rateapi.dev/compare/credit-union-vs-bank-auto-loan-rates)
- [Credit unions vs banks: HELOC](https://rateapi.dev/compare/credit-union-vs-bank-heloc-rates)
- [Credit unions vs banks: CD](https://rateapi.dev/compare/credit-union-vs-bank-cd-rates)
- [Mortgage rate API comparison](https://rateapi.dev/compare/mortgage-rate-apis)
- [Rate datasets](https://rateapi.dev/credit-union-rate-dataset)

© 2026 RateAPI · US credit unions only · Published pricing is not approval.

[Privacy](https://rateapi.dev/privacy) [Terms](https://rateapi.dev/terms) [llms.txt](https://rateapi.dev/llms.txt)

---

Source: https://rateapi.dev/mortgage-data
Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp