---
title: "Georgia Credit Union Mortgage Rates"
description: "6 Georgia credit unions compared, November 2026: 30-year fixed mortgages from 6.645% APR at Family First. Verified from real credit union rate sheets — no paid ranking, no affiliate links."
canonical: "https://rateapi.dev/mortgage-rates/georgia"
last-updated: "2026-11-13"
source: "https://rateapi.dev/llms.txt"
---

# Georgia Credit Union Mortgage Rates

Compare local 30-year fixed, first-mortgage rates from credit unions in Georgia. Today's best 30-year rate: 6.645% APR at Family First. Zero affiliate bias - rates ranked by true cost.

Updated November 2026 37 Credit Unions

[Home](https://rateapi.dev/) / [Mortgage Rates](https://rateapi.dev/mortgage-rates) / Georgia

**Quick answer:** As of November 2026, 30-year fixed mortgage rates from credit unions in Georgia range from **6.645% to 7.544% APR** , with a median of 6.995% APR across 6 institutions. The lowest rate currently comes from Family First. Rates below are ranked by true cost with no affiliate bias.

6.645%

Lowest 30yr APR

Family First

6.995%

Median APR

7.544%

Highest APR

6

Institutions

Georgia mortgage rates range from 6.645% to 7.544% APR for 30-year fixed loans. Data from 37 credit unions, updated November 2026.

> Source: [RateAPI.dev](https://rateapi.dev/mortgage-rates/georgia)

## Top Georgia Credit Unions for Mortgages

Ranked by lowest APR. Based on a $400,000 loan over 30 years.

| Credit Union |  Rate |  APR |  Est. Payment |   |
Family First Credit Union

30-Year Fixed

|  6.49% |  6.645% |  $2,567/mo |  [Visit Site](https://ffcuga.org/) |
Mercy Credit Union

30-Year Fixed

|  6.99% |  6.99% |  $2,659/mo |  [Visit Site](https://www.mercyfcu.org/) |
Mygeorgia Credit Union

30-Year Fixed

|  6.99% |  6.99% |  $2,659/mo |  [Visit Site](https://www.mygacu.com/) |
North Georgia Credit Union

First Mortgage – 30 Years Fixed Rate with 5-Year Balloon**

|  6.9% |  7% |  $2,661/mo |  [Visit Site](https://ngcu.org/) |
Southern Pine Credit Union

30-Year Fixed

|  7% |  7% |  $2,661/mo |  [Visit Site](https://www.southernpinecu.org/) |

## How to Get the Best Mortgage Rate in Georgia

Credit unions in Georgia 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. Most credit unions require a minimum of 620-680 for mortgages.

2

#### Join a Credit Union

Many Georgia credit unions have flexible membership requirements. Some are open to anyone who lives, works, or worships in the area.

3

#### Compare Multiple Lenders

Even a 0.25% difference in APR can save you thousands over the life of your 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 home long-term.

## Mortgage Rates by City in Georgia

[Atlanta Mortgage Rates](https://rateapi.dev/mortgage-rates/georgia/atlanta) [Macon Mortgage Rates](https://rateapi.dev/mortgage-rates/georgia/macon) [Savannah Mortgage Rates](https://rateapi.dev/mortgage-rates/georgia/savannah) [Valdosta Mortgage Rates](https://rateapi.dev/mortgage-rates/georgia/valdosta) [Columbus Mortgage Rates](https://rateapi.dev/mortgage-rates/georgia/columbus) [Norcross Mortgage Rates](https://rateapi.dev/mortgage-rates/georgia/norcross) [Duluth Mortgage Rates](https://rateapi.dev/mortgage-rates/georgia/duluth) [Jesup Mortgage Rates](https://rateapi.dev/mortgage-rates/georgia/jesup) [Toccoa Mortgage Rates](https://rateapi.dev/mortgage-rates/georgia/toccoa) [Augusta Mortgage Rates](https://rateapi.dev/mortgage-rates/georgia/augusta) [Athens Mortgage Rates](https://rateapi.dev/mortgage-rates/georgia/athens) [Sandy Springs Mortgage Rates](https://rateapi.dev/mortgage-rates/georgia/sandy-springs) [Roswell Mortgage Rates](https://rateapi.dev/mortgage-rates/georgia/roswell) [Albany Mortgage Rates](https://rateapi.dev/mortgage-rates/georgia/albany) [Marietta Mortgage Rates](https://rateapi.dev/mortgage-rates/georgia/marietta) [Warner Robins Mortgage Rates](https://rateapi.dev/mortgage-rates/georgia/warner-robins)

### Mortgage Rates in Nearby States

[Alabama](https://rateapi.dev/mortgage-rates/alabama) [Florida](https://rateapi.dev/mortgage-rates/florida) [North Carolina](https://rateapi.dev/mortgage-rates/north-carolina) [South Carolina](https://rateapi.dev/mortgage-rates/south-carolina) [Tennessee](https://rateapi.dev/mortgage-rates/tennessee)

### Other Loan Products in Georgia

[Georgia Credit Unions](https://rateapi.dev/credit-unions/georgia) [Georgia Mortgage Refinance Rates](https://rateapi.dev/refinance-rates/georgia) [Home Equity Line (HELOC) Rates in Georgia](https://rateapi.dev/heloc-rates/georgia) [Georgia Auto Loan Rates](https://rateapi.dev/auto-loan-rates/georgia) [Georgia Personal Loan Rates](https://rateapi.dev/personal-loan-rates/georgia)

### Mortgage Rate Tools & Data

[National Mortgage Rate Benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Which Credit Union Has the Lowest Mortgage Rate?](https://rateapi.dev/lowest-rates/mortgage) [How We Collect & Rank Rates](https://rateapi.dev/methodology) [All Mortgage Rates](https://rateapi.dev/mortgage-rates)

## Frequently Asked Questions

Common questions about mortgage rates in Georgia

As of November 2026, 30-year fixed mortgage rates in Georgia range from 6.645% to 7.544% APR across credit unions. The median rate is 6.995% APR.

What are the current mortgage rates in Georgia?

To get the best mortgage rate in Georgia: 1) Compare rates from multiple credit unions (they often beat bank rates by 0.25-0.50%), 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.

How do I get the best mortgage rate in Georgia?

Yes, credit unions in Georgia 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 Georgia?

For the best mortgage rates in Georgia, aim for a credit score of 740 or higher. Scores between 700-739 qualify for good rates, while 620-699 may face higher rates. Each credit union has different requirements, so compare options even with lower scores.

What credit score do I need for the best mortgage rates in Georgia?

RateAPI updates credit union mortgage rates for Georgia daily by scraping lender websites directly. The rates on this page reflect the most recent collection, last refreshed in November 2026.

How often are Georgia mortgage rates updated?

Yes. RateAPI provides daily-updated Georgia mortgage rates through a REST API and MCP server, so fintech apps, comparison sites, and AI agents can query credit union rates programmatically. See the methodology page for how rates are collected and ranked.

Can I get Georgia mortgage rate data through an API?

### 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)

National context

## National mortgage rate context

Zoom out from state-level data to the national picture and our cross-product benchmark.

Current Mortgage Rates →

Today's 30- and 15-year mortgage rates across US credit unions, refreshed daily.

Credit Union Rate Index →

The national benchmark tracking credit union rates across every product we cover.

Credit Union vs Bank Mortgage Rates →

Live credit union medians against Freddie Mac PMMS bank averages.

## Build With RateAPI

Access daily-updated mortgage rate data from 37+ credit unions via our REST API. Perfect for fintech apps, comparison sites, and AI agents.

Get API Access [View Documentation](https://api.rateapi.dev/)

RateAPI

RateAPI Routes turns confirmed customer facts into source-backed shortlists of published products from 3,700+ tracked US credit unions. Every promoted route keeps its membership and price evidence.

[Get API key →](https://rateapi.dev/api-key) [Sign in](https://app.rateapi.dev)

### Build

- [RateAPI Routes →](https://rateapi.dev/routes)
- [Product Matching API](https://rateapi.dev/financial-product-eligibility-api)
- [Membership Eligibility API](https://rateapi.dev/api/eligibility)
- [Rate Query API](https://rateapi.dev/rates-api)
- [Decision API](https://rateapi.dev/api/reference)
- [Batch Decisions API](https://rateapi.dev/api/batch-decisions)

### Deliver

- [Developer Portal →](https://rateapi.dev/developers)
- [Create a free API key](https://rateapi.dev/api-key)
- [REST API docs](https://api.rateapi.dev/)
- [OpenAPI spec](https://api.rateapi.dev/openapi.json)
- [MCP Server](https://rateapi.dev/mcp)
- [Widget builder](https://rateapi.dev/widget-builder)
- [RateAPI Routes widget](https://rateapi.dev/widget-docs/routes)
- [Market Rates widget](https://rateapi.dev/widget-docs/rates)
- [Webhooks](https://api.rateapi.dev/webhooks)
- [Versioning & deprecation](https://rateapi.dev/deprecation-policy)
- [GitHub](https://github.com/rate-api)

### Solutions

- [Personal finance apps](https://rateapi.dev/use-cases/personal-finance-apps)
- [AI purchase advisors](https://rateapi.dev/use-cases/ai-purchasing-tools)
- [AI agents](https://rateapi.dev/use-cases/ai-agents)
- [Car buying platforms](https://rateapi.dev/use-cases/car-buying-platforms)
- [Credit unions](https://rateapi.dev/for-credit-unions)
- [Loan officers](https://rateapi.dev/use-cases/loan-officers)
- [Rate data for ALM](https://rateapi.dev/alm-rate-data)

### Trust

- [Data coverage](https://rateapi.dev/data-coverage)
- [Rate methodology](https://rateapi.dev/methodology)
- [Eligibility methodology](https://rateapi.dev/eligibility-methodology)
- [Transparency](https://rateapi.dev/transparency)
- [Independence](https://rateapi.dev/independence)
- [Corrections](https://rateapi.dev/corrections)
- [Pricing](https://rateapi.dev/pricing)
- [About](https://rateapi.dev/about)
- [Contact](https://rateapi.dev/contact)
- Talk to a human

### Inspect the data behind the API

Public data explorer

- [Current mortgage rates](https://rateapi.dev/current-mortgage-rates)
- [Current auto rates](https://rateapi.dev/current-auto-loan-rates)
- [Current CD rates](https://rateapi.dev/current-cd-rates)
- [Current HELOC rates](https://rateapi.dev/current-heloc-rates)
- [Current personal loan rates](https://rateapi.dev/current-personal-loan-rates)
- [Mortgage rates](https://rateapi.dev/mortgage-rates)
- [Refinance rates](https://rateapi.dev/refinance-rates)
- [Auto loan rates](https://rateapi.dev/auto-loan-rates)
- [RV loan rates](https://rateapi.dev/rv-loan-rates)
- [Boat rates](https://rateapi.dev/boat-loan-rates)
- [Motorcycle rates](https://rateapi.dev/motorcycle-loan-rates)
- [HELOC rates](https://rateapi.dev/heloc-rates)
- [Personal loan rates](https://rateapi.dev/personal-loan-rates)
- [Credit card rates](https://rateapi.dev/credit-card-rates)
- [Deposit rates](https://rateapi.dev/deposit-rates)
- [CD rates](https://rateapi.dev/cd-rates)
- [Savings rates](https://rateapi.dev/savings-rates)
- [Money market rates](https://rateapi.dev/money-market-rates)
- [Credit union directory](https://rateapi.dev/credit-unions)
- [Who can join](https://rateapi.dev/who-can-join)
- [Mortgage benchmark](https://rateapi.dev/mortgage-rate-benchmark)
- [Auto benchmark](https://rateapi.dev/auto-loan-rate-benchmark)
- [HELOC benchmark](https://rateapi.dev/heloc-rate-benchmark)
- [Personal loan benchmark](https://rateapi.dev/personal-loan-rate-benchmark)
- [CD benchmark](https://rateapi.dev/cd-rate-benchmark)
- [Credit union rate index](https://rateapi.dev/credit-union-rate-index)
- [Deposit beta](https://rateapi.dev/deposit-beta)
- [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)
- [Rate datasets](https://rateapi.dev/credit-union-rate-dataset)

© 2026 RateAPI · US credit unions only · Published pricing is not approval.

[Privacy](https://rateapi.dev/privacy) [Terms](https://rateapi.dev/terms) [llms.txt](https://rateapi.dev/llms.txt)

---

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