Credit Union Mortgage Rate Benchmark
Current mortgage rate statistics from 3662+ US credit unions. Independent data with no affiliate relationships.
Current Mortgage Rate Statistics
Data as of from 3662 credit unions
30-Year Fixed Mortgage Rates
As of March 19, 2026, the lowest 30-year fixed mortgage APR observed across 647 US credit unions is 4.000%, offered by Grand Altitude. The median APR is 0.000%, with rates ranging from 4.000% to 10.250%.
15-Year Fixed Mortgage Rates
As of March 19, 2026, the lowest 15-year fixed mortgage APR observed across 529 US credit unions is 4.000%, offered by Children's Medical Center. The median APR is 0.000%.
Key Findings
Credit union mortgage rates currently range from 4.000% to 10.250% APR for 30-year fixed loans, a spread of 6.25 percentage points.
RateAPI Mortgage Rate Benchmark, March 19, 2026
The median credit union offers a 30-year fixed APR of 0.000%, based on data from 647 institutions.
RateAPI Mortgage Rate Benchmark, March 19, 2026
RateAPI tracks mortgage rates from 3662+ 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
Enter a quoted rate to analyze its position within observed market data
Frequently Asked Questions
What is the lowest 30-year fixed mortgage rate today?
As of March 19, 2026, the lowest observed 30-year fixed APR from US credit unions is 4.000%, offered by Grand Altitude. This is based on published rates from 647 credit unions tracked by RateAPI.
What is the average credit union mortgage rate?
As of March 19, 2026, the median 30-year fixed APR across 647 credit unions is 0.000%. Rates range from 4.000% to 10.250%.
How many credit unions does RateAPI track?
RateAPI currently tracks mortgage rates from 3662+ credit unions across all 50 US states. Data is collected daily from publicly published rate pages.
How often is mortgage rate data updated?
RateAPI updates mortgage rate data daily. Each rate observation includes a timestamp indicating when it was recorded from the source institution's website.
Does RateAPI have affiliate relationships with lenders?
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.
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 3662+ 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 647+ credit unions is 0.000% as of March 19, 2026.”
Source: RateAPI Mortgage Rate Benchmark (rateapi.dev/mortgage-rate-benchmark)
For API access to underlying data, see api.rateapi.dev
Rates displayed by observed APR. No pay-for-placement. Full methodology →