Credit Union Mortgage Rates — Free Open Dataset

Data period: 2026-06-01 to 2026-06-30

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 5.87% (HI) to 8.31% (WY).

Average APR by Product Type

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

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

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	6.40%	4.00%	10.25%	1,087
15-Year Fixed	6.32%	4.86%	9.75%	529
20-Year Fixed	6.26%	5.11%	8.83%	269
10-Year Fixed	6.04%	4.15%	8.54%	142

By Loan Program

Loan Program	Avg APR	Min	Max	Count
Conventional	6.17%	4.00%	10.25%	1,418
Jumbo	7.11%	5.46%	7.66%	255
FHA	6.58%	5.77%	7.50%	162
VA	6.23%	5.59%	7.50%	168
USDA	6.70%	6.16%	6.78%	24

Download the Dataset

Download the full dataset under the CC BY 4.0 license. Use it for research, apps, journalism, or anything else — just provide attribution.

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JSON

Full dataset with all fields. Best for programmatic access.

application/json

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CSV

Tabular format. Great for Excel, Google Sheets, pandas.

text/csv

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Summary JSON

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

application/json

# Quick start with Python
import pandas as pd
import requests
from io import StringIO

url = "https://rateapi.dev/data/mortgage-rates/mortgage-rates.csv"
df = pd.read_csv(StringIO(requests.get(url).text))

# Average APR by product type
print(df.groupby("product_type")["apr"].mean())

# 30-year fixed by state
fixed_30 = df[df["product_type"] == "30-year-fixed"]
print(fixed_30.groupby("credit_union_state")["apr"].mean().sort_values())

Schema

Each record in the JSON file contains the following fields:

credit_union_nameName of the credit union (string)

credit_union_stateTwo-letter US state code, e.g. "CA"

credit_union_cityCity of the credit union (string or null)

product_nameOriginal product name from the source website

product_typeNormalized type: "30-year-fixed", "15-year-fixed", "20-year-fixed", or "10-year-fixed"

loan_programLoan program: "conventional", "jumbo", "fha", "va", "usda", or null

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

aprAnnual Percentage Rate including fees (number, e.g. 6.375)

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

source_urlURL of the credit union rate page (string or null)

scraped_atISO 8601 timestamp of when rate was collected

Frequently Asked Questions

What is the average credit union mortgage rate?

In June 2026, the average 30-year fixed mortgage APR across 452+ US credit unions was 6.4%, and the average 15-year fixed APR was 6.32%. See the latest credit union 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.

How often is the mortgage rate dataset updated?

This open dataset is refreshed monthly as a snapshot. The current release covers 2026-06-01 to 2026-06-30. Real-time rates are available through the API and the data methodology explains how rates are collected.

US Credit Union Mortgage Rates