--- title: "Best Credit Union Mortgage Rates in Montgomery" description: "Montgomery credit union mortgage rates, November 2026: 30-year fixed from 6.619% APR at Winsouth, 15-year from 6.261% APR. 6 Alabama lenders compared from real rate sheets — no paid ranking." canonical: "https://rateapi.dev/mortgage-rates/alabama/montgomery" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Mortgage Rates in Montgomery Montgomery credit union mortgage rates, November 2026: 30-year fixed from 6.619% APR at Winsouth, 15-year fixed from 6.261% APR. 6 Alabama lenders compared from real rate sheets — no paid ranking. Updated November 2026 Alabama Credit Unions **Key takeaways:** 30-year fixed mortgage rates for Montgomery credit unions range from **6.619%** to **7.389% APR** (median 6.885%) across 6 Alabama lenders, as of November 2026. Rates are ranked by true cost with zero affiliate bias. See our [methodology](https://rateapi.dev/methodology) for how these figures are collected. [Home](https://rateapi.dev/) / [Mortgage Rates](https://rateapi.dev/mortgage-rates) / [Alabama](https://rateapi.dev/mortgage-rates/alabama) / Montgomery 6.619% Lowest 30yr APR Winsouth 6.885% Median APR 7.389% Highest APR 6 Alabama Lenders Montgomery mortgage rates range from 6.619% to 7.389% APR for 30-year fixed loans. Data from 46 credit unions in Alabama, updated November 2026. > Source: [RateAPI.dev](https://rateapi.dev/mortgage-rates/alabama/montgomery) ## Top Credit Unions for Montgomery Mortgages Ranked by lowest APR. Based on a $400,000 loan over 30 years. | Credit Union | Rate | APR | Est. Payment | | Demopolis Credit Union 30-Year Fixed | 6.375% | 6.375% | $2,495/mo | [Visit Site](https://demopolisfcu.com/) | Family Security Credit Union 30-Year Fixed | 6.75% | 6.75% | $2,594/mo | [Visit Site](https://www.myfscu.com/) | America's First Credit Union 30-Year Fixed | 7% | 7% | $2,661/mo | [Visit Site](https://www.americafirst.com/accounts/certificate-accounts/regular-cd.html) | Alabama One Credit Union 30-Year Fixed | 7.25% | 7.25% | $2,729/mo | [Visit Site](https://www.alabamaone.org/) | ## 30-Year vs 15-Year Fixed in Montgomery The lowest 15-year fixed APR from credit unions serving Montgomery is 6.261%, versus 6.619% for a 30-year — a 0.358-point spread. Credit union medians: 6.261% (15-year) and 6.885% (30-year). | Term | Lowest APR | Lowest-rate credit union | Credit union median | Lenders | | 30-Year Fixed | 6.619% | Winsouth | 6.885% | 6 | | 15-Year Fixed | 6.261% | Fireman's | 6.261% | 5 | Rates as of November 13, 2026, from published Alabama credit union rate sheets. ## How to Get the Best Mortgage Rate in Montgomery Credit unions serving Montgomery often offer lower mortgage rates than traditional banks because they're member-owned non-profits. Here's how to qualify for the best rates: 1 #### Check Your Credit Score Scores above 740 typically qualify for the best rates in Montgomery. Most credit unions require a minimum of 620-680 for mortgages. 2 #### Join a Credit Union Many credit unions serving Montgomery have flexible membership requirements. Some are open to anyone who lives, works, or worships in Alabama. 3 #### Compare Multiple Lenders Even a 0.25% difference in APR can save you thousands over the life of your Montgomery home loan. Compare at least 3-5 lenders. 4 #### Consider Points Paying points upfront can lower your rate. This makes sense if you plan to stay in your Montgomery home long-term. ## Credit Unions Based in Montgomery 4 credit unions are headquartered in Montgomery. Local membership is often the easiest to qualify for — many accept anyone who lives or works in the area. [Alabama State Employees Credit Union rates](https://rateapi.dev/credit-unions/alabama/alabama-state-employees) [Fedmont Credit Union rates](https://rateapi.dev/credit-unions/alabama/fedmont) [Max Credit Union rates](https://rateapi.dev/credit-unions/alabama/max) [Montgomery Va Credit Union rates](https://rateapi.dev/credit-unions/alabama/montgomery-va) ### Mortgage Rates in Alabama [All Alabama Rates](https://rateapi.dev/mortgage-rates/alabama) [Birmingham](https://rateapi.dev/mortgage-rates/alabama/birmingham) [Tuscaloosa](https://rateapi.dev/mortgage-rates/alabama/tuscaloosa) [Mobile](https://rateapi.dev/mortgage-rates/alabama/mobile) [Huntsville](https://rateapi.dev/mortgage-rates/alabama/huntsville) [Anniston](https://rateapi.dev/mortgage-rates/alabama/anniston) ### Other Loan Products [Alabama Credit Unions](https://rateapi.dev/credit-unions/alabama) [National Mortgage Benchmark](https://rateapi.dev/mortgage-rate-benchmark) [HELOC Rates](https://rateapi.dev/heloc-rates) [Auto Loan Rates](https://rateapi.dev/auto-loan-rates) [Personal Loan Rates](https://rateapi.dev/personal-loan-rates) ## Frequently Asked Questions Common questions about mortgage rates in Montgomery As of November 2026, 30-year fixed mortgage rates in the Montgomery metro area range from 6.619% to 7.389% APR across credit unions serving Alabama. The median rate is 6.885% APR. What are the current mortgage rates in Montgomery? To get the best mortgage rate in Montgomery: 1) Compare rates from multiple credit unions serving the Montgomery metro area, 2) Improve your credit score above 740, 3) Consider paying points upfront for a lower rate, 4) Shop within a 14-day window to minimize credit score impact, 5) Get pre-approved before house hunting. How do I get the best mortgage rate in Montgomery? Yes, credit unions serving Montgomery, Alabama typically offer lower mortgage rates than traditional banks. Because credit unions are member-owned non-profits, they return savings to members through lower rates and fees. On a $400,000 mortgage, this can save $50,000-$100,000 over 30 years. Are credit union mortgage rates lower in Montgomery? For the best mortgage rates in Montgomery, aim for a credit score of 740 or higher. Scores between 700-739 qualify for good rates, while 620-699 may face higher rates. Credit unions in Alabama have varying requirements, so compare options even with lower scores. What credit score do I need for the best mortgage rates in Montgomery? How much house you can afford in Montgomery depends on your income, debts, down payment, and current mortgage rates. Most lenders prefer your total housing costs (including taxes and insurance) to be below 28% of gross income. Use current Montgomery rates to calculate your maximum affordable home price. How much house can I afford in Montgomery? ### Mortgage Rates in Other Alabama Cities [Birmingham](https://rateapi.dev/mortgage-rates/alabama/birmingham) [Tuscaloosa](https://rateapi.dev/mortgage-rates/alabama/tuscaloosa) [Mobile](https://rateapi.dev/mortgage-rates/alabama/mobile) [Huntsville](https://rateapi.dev/mortgage-rates/alabama/huntsville) [Anniston](https://rateapi.dev/mortgage-rates/alabama/anniston) [Decatur](https://rateapi.dev/mortgage-rates/alabama/decatur) [Florence](https://rateapi.dev/mortgage-rates/alabama/florence) [Gadsden](https://rateapi.dev/mortgage-rates/alabama/gadsden) [Hoover](https://rateapi.dev/mortgage-rates/alabama/hoover) [Sheffield](https://rateapi.dev/mortgage-rates/alabama/sheffield) [Dothan](https://rateapi.dev/mortgage-rates/alabama/dothan) ### Mortgage Rates by State [Alabama](https://rateapi.dev/mortgage-rates/alabama) [Alaska](https://rateapi.dev/mortgage-rates/alaska) [Arizona](https://rateapi.dev/mortgage-rates/arizona) [Arkansas](https://rateapi.dev/mortgage-rates/arkansas) [California](https://rateapi.dev/mortgage-rates/california) [Colorado](https://rateapi.dev/mortgage-rates/colorado) [Connecticut](https://rateapi.dev/mortgage-rates/connecticut) [Delaware](https://rateapi.dev/mortgage-rates/delaware) [Florida](https://rateapi.dev/mortgage-rates/florida) [Georgia](https://rateapi.dev/mortgage-rates/georgia) [Hawaii](https://rateapi.dev/mortgage-rates/hawaii) [Idaho](https://rateapi.dev/mortgage-rates/idaho) [Illinois](https://rateapi.dev/mortgage-rates/illinois) [Indiana](https://rateapi.dev/mortgage-rates/indiana) [Iowa](https://rateapi.dev/mortgage-rates/iowa) [Kansas](https://rateapi.dev/mortgage-rates/kansas) [Kentucky](https://rateapi.dev/mortgage-rates/kentucky) [Louisiana](https://rateapi.dev/mortgage-rates/louisiana) [Maine](https://rateapi.dev/mortgage-rates/maine) [Maryland](https://rateapi.dev/mortgage-rates/maryland) [Massachusetts](https://rateapi.dev/mortgage-rates/massachusetts) [Michigan](https://rateapi.dev/mortgage-rates/michigan) [Minnesota](https://rateapi.dev/mortgage-rates/minnesota) [Mississippi](https://rateapi.dev/mortgage-rates/mississippi) [Missouri](https://rateapi.dev/mortgage-rates/missouri) [Montana](https://rateapi.dev/mortgage-rates/montana) [Nebraska](https://rateapi.dev/mortgage-rates/nebraska) [Nevada](https://rateapi.dev/mortgage-rates/nevada) [New Hampshire](https://rateapi.dev/mortgage-rates/new-hampshire) [New Jersey](https://rateapi.dev/mortgage-rates/new-jersey) [New Mexico](https://rateapi.dev/mortgage-rates/new-mexico) [New York](https://rateapi.dev/mortgage-rates/new-york) [North Carolina](https://rateapi.dev/mortgage-rates/north-carolina) [North Dakota](https://rateapi.dev/mortgage-rates/north-dakota) [Ohio](https://rateapi.dev/mortgage-rates/ohio) [Oklahoma](https://rateapi.dev/mortgage-rates/oklahoma) [Oregon](https://rateapi.dev/mortgage-rates/oregon) [Pennsylvania](https://rateapi.dev/mortgage-rates/pennsylvania) [Rhode Island](https://rateapi.dev/mortgage-rates/rhode-island) [South Carolina](https://rateapi.dev/mortgage-rates/south-carolina) [South Dakota](https://rateapi.dev/mortgage-rates/south-dakota) [Tennessee](https://rateapi.dev/mortgage-rates/tennessee) [Texas](https://rateapi.dev/mortgage-rates/texas) [Utah](https://rateapi.dev/mortgage-rates/utah) [Vermont](https://rateapi.dev/mortgage-rates/vermont) [Virginia](https://rateapi.dev/mortgage-rates/virginia) [Washington](https://rateapi.dev/mortgage-rates/washington) [West Virginia](https://rateapi.dev/mortgage-rates/west-virginia) [Wisconsin](https://rateapi.dev/mortgage-rates/wisconsin) [Wyoming](https://rateapi.dev/mortgage-rates/wyoming) [District of Columbia](https://rateapi.dev/mortgage-rates/district-of-columbia) ## Build With RateAPI Access real-time mortgage rate data from credit unions across Alabama via our REST API. 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