--- title: "Mortgage Rates in Massachusetts: Credit Union 30-Year from 6.069% APR" description: "16 Massachusetts credit unions compared, November 2026: 30-year fixed mortgages from 6.069% APR at First Citizens'. Verified from real credit union rate sheets — no paid ranking, no affiliate links." canonical: "https://rateapi.dev/mortgage-rates/massachusetts" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Massachusetts Credit Union Mortgage Rates Compare local 30-year fixed, first-mortgage rates from credit unions in Massachusetts. Today's best 30-year rate: 6.069% APR at First Citizens'. Zero affiliate bias - rates ranked by true cost. Updated November 2026 77 Credit Unions [Home](https://rateapi.dev/) / [Mortgage Rates](https://rateapi.dev/mortgage-rates) / Massachusetts **Quick answer:** As of November 13, 2026, 30-year fixed mortgage rates from credit unions in Massachusetts range from **6.069% to 7.703% APR** , with a median of 7.060% APR across 16 institutions. The lowest rate currently comes from First Citizens'. Rates below are ranked by true cost with no affiliate bias. ## Shop mortgage rates locally in Massachusetts Start with the verified statewide comparison above, then check local membership options before applying. A credit union's location can help establish eligibility, but the published rate and membership requirements should each be confirmed. [Browse Massachusetts credit unions](https://rateapi.dev/credit-unions/massachusetts) [See who can join in Massachusetts](https://rateapi.dev/who-can-join/massachusetts) [Compare mortgage rates near Boston](https://rateapi.dev/mortgage-rates/massachusetts/boston) [Compare mortgage rates near Lynn](https://rateapi.dev/mortgage-rates/massachusetts/lynn) [Compare mortgage rates near Springfield](https://rateapi.dev/mortgage-rates/massachusetts/springfield) [Compare mortgage rates near Fall River](https://rateapi.dev/mortgage-rates/massachusetts/fall-river) Latest underlying 30-year rate observation: November 13, 2026. See [how RateAPI verifies published rates](https://rateapi.dev/methodology) . 6.069% Lowest 30yr APR First Citizens' 7.060% Median APR 7.703% Highest APR 16 Institutions Massachusetts mortgage rates range from 6.069% to 7.703% APR for 30-year fixed loans. Data from 77 credit unions, updated November 2026. > Source: [RateAPI.dev](https://rateapi.dev/mortgage-rates/massachusetts) ## Top Massachusetts Credit Unions for Mortgages Ranked by lowest APR. Based on a $400,000 loan over 30 years. | Credit Union | Rate | APR | Est. Payment | | First Citizens' Credit Union 30-Year Fixed | 6% | 6.069% | $2,416/mo | [Visit Site](https://www.firstcitizens.org/) | Notre Dame Community Credit Union 30-Year Fixed | 6.16% | 6.16% | $2,440/mo | [Visit Site](https://ndcfcu.com/) | St. Anne's Credit Union 30-Year Fixed Rate Mortgage 1 | 6.625% | 6.625% | $2,561/mo | [Visit Site](https://www.stannes.com/) | Luso Credit Union 30-Year Fixed | 6.625% | 6.625% | $2,561/mo | [Visit Site](https://www.lusofederal.com/) | Holyoke Credit Union 30 Year Fixed Rate (1) | 6.876% | 6.876% | $2,628/mo | [Visit Site](https://www.holyokecu.com/) | ## 15-Year Fixed Rates in Massachusetts Lowest APR 6.116% Median APR 6.590% Institutions 2 ## How to Get the Best Mortgage Rate in Massachusetts Credit unions in Massachusetts 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 Massachusetts 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 Massachusetts [Boston Mortgage Rates](https://rateapi.dev/mortgage-rates/massachusetts/boston) [Lynn Mortgage Rates](https://rateapi.dev/mortgage-rates/massachusetts/lynn) [Springfield Mortgage Rates](https://rateapi.dev/mortgage-rates/massachusetts/springfield) [Fall River Mortgage Rates](https://rateapi.dev/mortgage-rates/massachusetts/fall-river) [Lowell Mortgage Rates](https://rateapi.dev/mortgage-rates/massachusetts/lowell) [Worcester Mortgage Rates](https://rateapi.dev/mortgage-rates/massachusetts/worcester) [Cambridge Mortgage Rates](https://rateapi.dev/mortgage-rates/massachusetts/cambridge) [Somerville Mortgage Rates](https://rateapi.dev/mortgage-rates/massachusetts/somerville) [Attleboro Mortgage Rates](https://rateapi.dev/mortgage-rates/massachusetts/attleboro) [Chicopee Mortgage Rates](https://rateapi.dev/mortgage-rates/massachusetts/chicopee) [Fairhaven Mortgage Rates](https://rateapi.dev/mortgage-rates/massachusetts/fairhaven) [Leominster Mortgage Rates](https://rateapi.dev/mortgage-rates/massachusetts/leominster) [Methuen Mortgage Rates](https://rateapi.dev/mortgage-rates/massachusetts/methuen) [New Bedford Mortgage Rates](https://rateapi.dev/mortgage-rates/massachusetts/new-bedford) [Pittsfield Mortgage Rates](https://rateapi.dev/mortgage-rates/massachusetts/pittsfield) [Shrewsbury Mortgage Rates](https://rateapi.dev/mortgage-rates/massachusetts/shrewsbury) [South Boston Mortgage Rates](https://rateapi.dev/mortgage-rates/massachusetts/south-boston) [Taunton Mortgage Rates](https://rateapi.dev/mortgage-rates/massachusetts/taunton) [Brockton Mortgage Rates](https://rateapi.dev/mortgage-rates/massachusetts/brockton) [Quincy Mortgage Rates](https://rateapi.dev/mortgage-rates/massachusetts/quincy) ### Mortgage Rates in Nearby States [Connecticut](https://rateapi.dev/mortgage-rates/connecticut) [New Hampshire](https://rateapi.dev/mortgage-rates/new-hampshire) [New York](https://rateapi.dev/mortgage-rates/new-york) [Rhode Island](https://rateapi.dev/mortgage-rates/rhode-island) [Vermont](https://rateapi.dev/mortgage-rates/vermont) ### Other Loan Products in Massachusetts [Massachusetts Credit Unions](https://rateapi.dev/credit-unions/massachusetts) [Massachusetts Mortgage Refinance Rates](https://rateapi.dev/refinance-rates/massachusetts) [Home Equity Line (HELOC) Rates in Massachusetts](https://rateapi.dev/heloc-rates/massachusetts) [Massachusetts Auto Loan Rates](https://rateapi.dev/auto-loan-rates/massachusetts) [Massachusetts Personal Loan Rates](https://rateapi.dev/personal-loan-rates/massachusetts) ### 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 Massachusetts As of November 2026, 30-year fixed mortgage rates in Massachusetts range from 6.069% to 7.703% APR across credit unions. The median rate is 7.060% APR. What are the current mortgage rates in Massachusetts? To get the best mortgage rate in Massachusetts: 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 Massachusetts? Yes, credit unions in Massachusetts 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 Massachusetts? For the best mortgage rates in Massachusetts, 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 Massachusetts? RateAPI updates credit union mortgage rates for Massachusetts daily by scraping lender websites directly. The rates on this page reflect the most recent collection, last refreshed in November 2026. How often are Massachusetts mortgage rates updated? Yes. RateAPI provides daily-updated Massachusetts 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. 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