--- title: "Best Credit Union Mortgage Rates in Washington" description: "Washington credit union mortgage rates, November 2026: 30-year fixed from 6.535% APR at Treasury Department. 6 District of Columbia lenders compared from real rate sheets — no paid ranking." canonical: "https://rateapi.dev/mortgage-rates/district-of-columbia/washington-dc" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Mortgage Rates in Washington Washington credit union mortgage rates, November 2026: 30-year fixed from 6.535% APR at Treasury Department. 6 District of Columbia lenders compared from real rate sheets — no paid ranking. Updated November 2026 District of Columbia Credit Unions **Key takeaways:** 30-year fixed mortgage rates for Washington credit unions range from **6.535%** to **7.225% APR** (median 6.994%) across 6 District of Columbia 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) / [District of Columbia](https://rateapi.dev/mortgage-rates/district-of-columbia) / Washington 6.535% Lowest 30yr APR Treasury Department 6.994% Median APR 7.225% Highest APR 6 District of Columbia Lenders Washington mortgage rates range from 6.535% to 7.225% APR for 30-year fixed loans. Data from 13 credit unions in District of Columbia, updated November 2026. > Source: [RateAPI.dev](https://rateapi.dev/mortgage-rates/district-of-columbia/washington-dc) ## Top Credit Unions for Washington Mortgages Ranked by lowest APR. Based on a $400,000 loan over 30 years. ### Rate Data Coming Soon We're actively collecting mortgage rates from credit unions serving Washington. Check back soon! ## 30-Year vs 15-Year Fixed in Washington Credit unions serving Washington publish a 30-year fixed benchmark; 15-year figures appear here as soon as enough District of Columbia lenders post them. | Term | Lowest APR | Lowest-rate credit union | Credit union median | Lenders | | 30-Year Fixed | 6.535% | Treasury Department | 6.994% | 6 | Rates as of November 12, 2026, from published District of Columbia credit union rate sheets. ## How to Get the Best Mortgage Rate in Washington Credit unions serving Washington 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 Washington. Most credit unions require a minimum of 620-680 for mortgages. 2 #### Join a Credit Union Many credit unions serving Washington have flexible membership requirements. Some are open to anyone who lives, works, or worships in District of Columbia. 3 #### Compare Multiple Lenders Even a 0.25% difference in APR can save you thousands over the life of your Washington 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 Washington home long-term. ## Credit Unions Based in Washington 6 credit unions are headquartered in Washington. Local membership is often the easiest to qualify for — many accept anyone who lives or works in the area. [Advantage Financial Credit Union rates](https://rateapi.dev/credit-unions/district-of-columbia/advantage-financial) [Afl Cio Employees Credit Union rates](https://rateapi.dev/credit-unions/district-of-columbia/afl-cio-employees) [Bank Fund Staff Credit Union rates](https://rateapi.dev/credit-unions/district-of-columbia/bank-fund-staff) [DC Credit Union rates](https://rateapi.dev/credit-unions/district-of-columbia/dc) [Department of Commerce Credit Union rates](https://rateapi.dev/credit-unions/district-of-columbia/department-of-commerce) [Department of the Interior Credit Union rates](https://rateapi.dev/credit-unions/district-of-columbia/department-of-the-interior) ### Mortgage Rates in District of Columbia [All District of Columbia Rates](https://rateapi.dev/mortgage-rates/district-of-columbia) [Washington](https://rateapi.dev/mortgage-rates/district-of-columbia/washington) ### Other Loan Products [District of Columbia Credit Unions](https://rateapi.dev/credit-unions/district-of-columbia) [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 Washington As of November 2026, 30-year fixed mortgage rates in the Washington metro area range from 6.535% to 7.225% APR across credit unions serving District of Columbia. The median rate is 6.994% APR. What are the current mortgage rates in Washington? To get the best mortgage rate in Washington: 1) Compare rates from multiple credit unions serving the Washington 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 Washington? Yes, credit unions serving Washington, District of Columbia 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 Washington? For the best mortgage rates in Washington, 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 District of Columbia have varying requirements, so compare options even with lower scores. What credit score do I need for the best mortgage rates in Washington? How much house you can afford in Washington 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 Washington rates to calculate your maximum affordable home price. How much house can I afford in Washington? ### Mortgage Rates in Other District of Columbia Cities [Washington](https://rateapi.dev/mortgage-rates/district-of-columbia/washington) ### 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 District of Columbia via our REST API. 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