--- title: "Best Credit Union Mortgage Rates in Des Moines" description: "Compare 30-year and 15-year fixed mortgage rates from credit unions serving Des Moines, Iowa. Verified from real credit union rate sheets — no paid ranking." canonical: "https://rateapi.dev/mortgage-rates/iowa/des-moines" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Mortgage Rates in Des Moines Compare 30-year and 15-year fixed mortgage rates from credit unions serving Des Moines, Iowa. Verified from real credit union rate sheets — no paid ranking. Updated November 2026 Iowa Credit Unions **Key takeaways:** 30-year fixed mortgage rates for Des Moines credit unions range from **%** to **7.000% APR** (median 6.938%) across 2 Iowa 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) / [Iowa](https://rateapi.dev/mortgage-rates/iowa) / Des Moines % Lowest 30yr APR 6.938% Median APR 7.000% Highest APR 2 Iowa Lenders Des Moines mortgage rates range from undefined% to 7.000% APR for 30-year fixed loans. Data from 30 credit unions in Iowa, updated November 2026. > Source: [RateAPI.dev](https://rateapi.dev/mortgage-rates/iowa/des-moines) ## Top Credit Unions for Des Moines Mortgages Ranked by lowest APR. Based on a $400,000 loan over 30 years. | Credit Union | Rate | APR | Est. Payment | | Aim Credit Union 30-Year Fixed | 6.875% | 6.875% | $2,628/mo | [Visit Site](https://aimcreditunion.com/) | Ascentra Credit Union 30-Year Fixed | 7% | 7% | $2,661/mo | [Visit Site](https://www.ascentra.org/) | ## 30-Year vs 15-Year Fixed in Des Moines Credit unions serving Des Moines publish a 30-year fixed benchmark; 15-year figures appear here as soon as enough Iowa lenders post them. | Term | Lowest APR | Lowest-rate credit union | Credit union median | Lenders | | 30-Year Fixed | — | — | 6.938% | 2 | | 15-Year Fixed | — | — | 6.625% | 1 | Rates as of November 12, 2026, from published Iowa credit union rate sheets. ## How to Get the Best Mortgage Rate in Des Moines Credit unions serving Des Moines 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 Des Moines. Most credit unions require a minimum of 620-680 for mortgages. 2 #### Join a Credit Union Many credit unions serving Des Moines have flexible membership requirements. Some are open to anyone who lives, works, or worships in Iowa. 3 #### Compare Multiple Lenders Even a 0.25% difference in APR can save you thousands over the life of your Des Moines 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 Des Moines home long-term. ## Credit Unions Based in Des Moines 6 credit unions are headquartered in Des Moines. Local membership is often the easiest to qualify for — many accept anyone who lives or works in the area. [Affinity Credit Union rates](https://rateapi.dev/credit-unions/iowa/affinity) [Capitol View Credit Union rates](https://rateapi.dev/credit-unions/iowa/capitol-view) [Des Moines Fire Department Credit Union rates](https://rateapi.dev/credit-unions/iowa/des-moines-fire-department) [Des Moines Metro Credit Union rates](https://rateapi.dev/credit-unions/iowa/des-moines-metro) [Journey Credit Union rates](https://rateapi.dev/credit-unions/iowa/journey) [Polk County Credit Union rates](https://rateapi.dev/credit-unions/iowa/polk-county) ### Mortgage Rates in Iowa [All Iowa Rates](https://rateapi.dev/mortgage-rates/iowa) [Cedar Rapids](https://rateapi.dev/mortgage-rates/iowa/cedar-rapids) [Dubuque](https://rateapi.dev/mortgage-rates/iowa/dubuque) [Mason City](https://rateapi.dev/mortgage-rates/iowa/mason-city) [Ottumwa](https://rateapi.dev/mortgage-rates/iowa/ottumwa) [Ames](https://rateapi.dev/mortgage-rates/iowa/ames) ### Other Loan Products [Iowa Credit Unions](https://rateapi.dev/credit-unions/iowa) [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 Des Moines As of November 2026, 30-year fixed mortgage rates in the Des Moines metro area range from undefined% to 7.000% APR across credit unions serving Iowa. The median rate is 6.938% APR. What are the current mortgage rates in Des Moines? To get the best mortgage rate in Des Moines: 1) Compare rates from multiple credit unions serving the Des Moines 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 Des Moines? Yes, credit unions serving Des Moines, Iowa 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 Des Moines? For the best mortgage rates in Des Moines, 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 Iowa have varying requirements, so compare options even with lower scores. What credit score do I need for the best mortgage rates in Des Moines? How much house you can afford in Des Moines 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 Des Moines rates to calculate your maximum affordable home price. How much house can I afford in Des Moines? ### Mortgage Rates in Other Iowa Cities [Cedar Rapids](https://rateapi.dev/mortgage-rates/iowa/cedar-rapids) [Dubuque](https://rateapi.dev/mortgage-rates/iowa/dubuque) [Mason City](https://rateapi.dev/mortgage-rates/iowa/mason-city) [Ottumwa](https://rateapi.dev/mortgage-rates/iowa/ottumwa) [Ames](https://rateapi.dev/mortgage-rates/iowa/ames) [Cedar Falls](https://rateapi.dev/mortgage-rates/iowa/cedar-falls) [Fort Dodge](https://rateapi.dev/mortgage-rates/iowa/fort-dodge) [Marshalltown](https://rateapi.dev/mortgage-rates/iowa/marshalltown) [Sioux City](https://rateapi.dev/mortgage-rates/iowa/sioux-city) [West Des Moines](https://rateapi.dev/mortgage-rates/iowa/west-des-moines) [Davenport](https://rateapi.dev/mortgage-rates/iowa/davenport) [Waterloo](https://rateapi.dev/mortgage-rates/iowa/waterloo) ### 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 Iowa via our REST API. 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