---
title: "Mortgage Rate Benchmark: Credit Union Rates"
description: "Live 30- and 15-year fixed mortgage rate benchmark from 3,700+ US credit unions: lowest APR, median APR, and full rate range. Updated daily, no affiliates."
canonical: "https://rateapi.dev/mortgage-rate-benchmark"
last-updated: "2026-10-09"
source: "https://rateapi.dev/llms.txt"
---

# Mortgage Rate Benchmark: Credit Union Rates

Updated October 9, 2026

Last updated: October 9, 2026

# Credit Union Mortgage Rate Benchmark

Current mortgage rate statistics from 2521+ US credit unions. Independent data with no affiliate relationships.

**In short:** as of October 9, 2026, the lowest observed 30-year fixed APR across 423 US credit unions is 5.423%, the median is 7.478%, and rates range up to 9.625%. See the [auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) for vehicle financing, the live [mortgage rates dataset](https://rateapi.dev/mortgage-rates) , or pull this data into your own app with the [mortgage rate API](https://rateapi.dev/what-is-mortgage-rate-api) .

[Open the benchmark explorer in the dashboard →](https://app.rateapi.dev/benchmarks)

## Current Mortgage Rate Statistics

Data as of October 9, 2026 from 2521 credit unions

### 30-Year Fixed Mortgage Rates

5.423% Lowest APR Lifetime

7.478% Median APR 423 institutions

9.625% Highest APR Full range observed

As of October 9, 2026, the lowest 30-year fixed mortgage APR observed across 423 US credit unions is **5.423%** , offered by Lifetime. The median APR is **7.478%** , with rates ranging from 5.423% to 9.625%.

### 15-Year Fixed Mortgage Rates

5.008% Lowest APR TLCU Financial

6.871% Median APR 100 institutions

8.867% Highest APR Full range observed

As of October 9, 2026, the lowest 15-year fixed mortgage APR observed across 100 US credit unions is **5.008%** , offered by TLCU Financial. The median APR is **6.871%** .

## Key Findings

Credit union mortgage rates currently range from 5.423% to 9.625% APR for 30-year fixed loans, a spread of 4.20 percentage points.

> RateAPI Mortgage Rate Benchmark, October 9, 2026

The median credit union offers a 30-year fixed APR of 7.478%, based on data from 423 institutions.

> RateAPI Mortgage Rate Benchmark, October 9, 2026

RateAPI tracks mortgage rates from 2521+ credit unions across all 50 US states, updated daily from published rate pages with no affiliate relationships.

> RateAPI Data Methodology

## Rate Variance Explorer

Compare a quoted rate against current market observations

rate-benchmark.sh

Provide a rate to see how it compares to observed market data

% APR

$ quoted_rate

30-Year Fixed 15-Year Fixed

$ product_type

$ state_scope (optional) Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming District of Columbia Puerto Rico Guam Virgin Islands

▶ Run Analysis

READY

⚙

Enter a quoted rate to analyze its position within observed market data

## Frequently Asked Questions

As of October 9, 2026, the lowest observed 30-year fixed APR from US credit unions is 5.423%, offered by Lifetime. This is based on published rates from 423 credit unions tracked by RateAPI.

As of October 9, 2026, the median 30-year fixed APR across 423 credit unions is 7.478%. Rates range from 5.423% to 9.625%.

RateAPI currently tracks mortgage rates from 2521+ credit unions across all 50 US states. Data is collected daily from publicly published rate pages.

RateAPI updates mortgage rate data daily. Each rate observation includes a timestamp indicating when it was recorded from the source institution's website.

Compare your quoted APR to the credit union benchmark. As of October 9, 2026, the median 30-year fixed APR is 7.478% and the lowest is 5.423%. Use the Rate Variance Explorer above to see how your quote ranks against current observations.

All rates are collected directly from publicly published rate pages on US credit union websites. No aggregator, broker, or affiliate-sourced data is included. See the full [methodology](https://rateapi.dev/methodology) for details.

No. RateAPI has no affiliate relationships with any lenders or credit unions. Rates are displayed by APR, not by payment. This data is for research purposes only.

What is the lowest 30-year fixed mortgage rate today? What is the average credit union mortgage rate? How many credit unions does RateAPI track? How often is mortgage rate data updated? How do I check if my quoted mortgage rate is competitive? Where does RateAPI get its mortgage rate data? Does RateAPI have affiliate relationships with lenders?

## Data Collection Methodology

### Sources

Rate observations are collected from publicly available rate pages published by US credit unions. No aggregator or broker data is included.

### Frequency

Data is refreshed daily. Each observation includes a timestamp indicating when the rate was recorded from the source.

### Coverage

Currently tracking 2521+ credit unions across all 50 states. Coverage varies by state and product type.

### Limitations

Rates shown are published rates and may not reflect final pricing after individual qualification. This tool is for research purposes only.

## How to Cite This Data

“According to RateAPI's mortgage rate benchmark, the median 30-year fixed APR across 423+ credit unions is 7.478% as of October 9, 2026.”

Source: RateAPI Mortgage Rate Benchmark (rateapi.dev/mortgage-rate-benchmark)

For API access to underlying data, see [api.rateapi.dev](https://api.rateapi.dev)

★ No affiliate relationships

↻ Updated daily

🔒 No user data collected

Rates displayed by observed APR. No pay-for-placement. [Full methodology →](https://rateapi.dev/methodology)

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- [Current mortgage rates](https://rateapi.dev/current-mortgage-rates)
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- [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)
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© 2026 RateAPI · US credit unions only · Published pricing is not approval.

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---

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