---
title: "Illinois Credit Union Mortgage Rates"
description: "11 Illinois credit unions compared, November 2026: 30-year fixed mortgages from 6.783% APR at Central Credit Union of Illinois. Verified from real credit union rate sheets — no paid ranking, no affiliate links."
canonical: "https://rateapi.dev/mortgage-rates/illinois"
last-updated: "2026-11-13"
source: "https://rateapi.dev/llms.txt"
---

# Illinois Credit Union Mortgage Rates

Compare local 30-year fixed, first-mortgage rates from credit unions in Illinois. Today's best 30-year rate: 6.783% APR at Central Credit Union of Illinois. Zero affiliate bias - rates ranked by true cost.

Updated November 2026 88 Credit Unions

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

**Quick answer:** As of November 2026, 30-year fixed mortgage rates from credit unions in Illinois range from **6.783% to 7.653% APR** , with a median of 7.375% APR across 11 institutions. The lowest rate currently comes from Central Credit Union of Illinois. Rates below are ranked by true cost with no affiliate bias.

6.783%

Lowest 30yr APR

Central Credit Union of Illinois

7.375%

Median APR

7.653%

Highest APR

11

Institutions

Illinois mortgage rates range from 6.783% to 7.653% APR for 30-year fixed loans. Data from 88 credit unions, updated November 2026.

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

## Top Illinois Credit Unions for Mortgages

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

| Credit Union |  Rate |  APR |  Est. Payment |   |
University of Illinois Community Credit Union

30-Year Fixed

|  6.75% |  6.75% |  $2,594/mo |  [Visit Site](https://www.uoficreditunion.org/) |
Central Credit Union of Illinois

30-Year Fixed

|  6.5% |  6.783% |  $2,603/mo |  [Visit Site](https://www.centralcu.org/) |
Quincy Postal Employees Credit Union

30-Year Fixed

|  7% |  7% |  $2,661/mo |  [Visit Site](https://www.qcu.org/) |
R.i.a. Credit Union

30-Year Fixed

|  7.25% |  7.25% |  $2,729/mo |  [Visit Site](https://www.riafcu.com/) |
Citizens Equity First Credit Union

30-Year Fixed

|  7.25% |  7.25% |  $2,729/mo |  [Visit Site](https://www.cefcu.com/) |

## 15-Year Fixed Rates in Illinois

Lowest APR

5.783%

Median APR

6.261%

Institutions

3

## How to Get the Best Mortgage Rate in Illinois

Credit unions in Illinois 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 Illinois 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 Illinois

[Chicago Mortgage Rates](https://rateapi.dev/mortgage-rates/illinois/chicago) [Bloomington Mortgage Rates](https://rateapi.dev/mortgage-rates/illinois/bloomington) [Moline Mortgage Rates](https://rateapi.dev/mortgage-rates/illinois/moline) [Springfield Mortgage Rates](https://rateapi.dev/mortgage-rates/illinois/springfield) [Joliet Mortgage Rates](https://rateapi.dev/mortgage-rates/illinois/joliet) [Peoria Mortgage Rates](https://rateapi.dev/mortgage-rates/illinois/peoria) [Quincy Mortgage Rates](https://rateapi.dev/mortgage-rates/illinois/quincy) [Alton Mortgage Rates](https://rateapi.dev/mortgage-rates/illinois/alton) [Aurora Mortgage Rates](https://rateapi.dev/mortgage-rates/illinois/aurora) [Danville Mortgage Rates](https://rateapi.dev/mortgage-rates/illinois/danville) [Decatur Mortgage Rates](https://rateapi.dev/mortgage-rates/illinois/decatur) [Kankakee Mortgage Rates](https://rateapi.dev/mortgage-rates/illinois/kankakee) [Arlington Heigh Mortgage Rates](https://rateapi.dev/mortgage-rates/illinois/arlington-heigh) [Bethalto Mortgage Rates](https://rateapi.dev/mortgage-rates/illinois/bethalto) [Carbondale Mortgage Rates](https://rateapi.dev/mortgage-rates/illinois/carbondale) [Edwardsville Mortgage Rates](https://rateapi.dev/mortgage-rates/illinois/edwardsville) [Galesburg Mortgage Rates](https://rateapi.dev/mortgage-rates/illinois/galesburg) [Lisle Mortgage Rates](https://rateapi.dev/mortgage-rates/illinois/lisle) [Normal Mortgage Rates](https://rateapi.dev/mortgage-rates/illinois/normal) [Ottawa Mortgage Rates](https://rateapi.dev/mortgage-rates/illinois/ottawa) [Rock Island Mortgage Rates](https://rateapi.dev/mortgage-rates/illinois/rock-island) [Streator Mortgage Rates](https://rateapi.dev/mortgage-rates/illinois/streator) [Taylorville Mortgage Rates](https://rateapi.dev/mortgage-rates/illinois/taylorville) [Naperville Mortgage Rates](https://rateapi.dev/mortgage-rates/illinois/naperville) [Rockford Mortgage Rates](https://rateapi.dev/mortgage-rates/illinois/rockford)

### Mortgage Rates in Nearby States

[Indiana](https://rateapi.dev/mortgage-rates/indiana) [Iowa](https://rateapi.dev/mortgage-rates/iowa) [Kentucky](https://rateapi.dev/mortgage-rates/kentucky) [Missouri](https://rateapi.dev/mortgage-rates/missouri) [Wisconsin](https://rateapi.dev/mortgage-rates/wisconsin)

### Other Loan Products in Illinois

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

### 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 Illinois

As of November 2026, 30-year fixed mortgage rates in Illinois range from 6.783% to 7.653% APR across credit unions. The median rate is 7.375% APR.

What are the current mortgage rates in Illinois?

To get the best mortgage rate in Illinois: 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 Illinois?

Yes, credit unions in Illinois 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 Illinois?

For the best mortgage rates in Illinois, 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 Illinois?

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

How often are Illinois mortgage rates updated?

Yes. RateAPI provides daily-updated Illinois 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 Illinois 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

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

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---

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