--- title: "Mortgage Rates in Boston: From 6.069% APR" description: "Boston mortgage rates from 6.069% APR across 16 Massachusetts credit unions. Local access: 600 Atlantic. Verified statewide rates and local locations; no paid ranking." canonical: "https://rateapi.dev/mortgage-rates/massachusetts/boston" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Credit Union Mortgage Rates in Boston Compare published 30-year and 15-year mortgage rates across Massachusetts, then use verified local locations to find credit unions accessible in Boston. The rate sample is statewide; the access list is local. Updated November 2026 Massachusetts Credit Unions **Key takeaways:** 30-year fixed mortgage rates for Boston credit unions range from **6.069%** to **7.703% APR** (median 7.060%) across 16 Massachusetts 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) / [Massachusetts](https://rateapi.dev/mortgage-rates/massachusetts) / Boston Local market context ## What is local to Boston—and what is statewide RateAPI compares published mortgages rates across Massachusetts. Local access is established separately using verified credit-union locations, so a statewide benchmark is never presented as a city-only sample. Local access 6 credit unions The institutions below have headquarters in the city. Location can make membership easier, but it does not by itself prove that each institution currently offers mortgages. - [600 Atlantic](https://rateapi.dev/credit-unions/massachusetts/600-atlantic) - [Alpha](https://rateapi.dev/credit-unions/massachusetts/alpha) - [Boston Customs](https://rateapi.dev/credit-unions/massachusetts/boston-customs) - [First Priority](https://rateapi.dev/credit-unions/massachusetts/first-priority) - [M.o.s.e.s.](https://rateapi.dev/credit-unions/massachusetts/moses) - [Tremont](https://rateapi.dev/credit-unions/massachusetts/tremont) [Check Massachusetts membership paths](https://rateapi.dev/who-can-join/massachusetts) Massachusetts rate benchmark 6.069%–7.703% APR Published 30-year fixed APR range across 16 credit unions in the statewide comparison. Latest underlying observation: November 13, 2026. [View the full Massachusetts comparison](https://rateapi.dev/mortgage-rates/massachusetts) [How RateAPI verifies rates](https://rateapi.dev/methodology) 6.069% Lowest Massachusetts 30yr APR First Citizens' 7.060% Massachusetts Median APR 7.703% Highest APR 16 Massachusetts Lenders Boston mortgage rates range from 6.069% to 7.703% APR for 30-year fixed loans. Data from 77 credit unions in Massachusetts, updated November 2026. > Source: [RateAPI.dev](https://rateapi.dev/mortgage-rates/massachusetts/boston) ## Massachusetts Credit Union Mortgage Rates Available to Boston Borrowers Ranked by lowest APR. Based on a $400,000 loan over 30 years. This is the statewide comparison; use the local access section above to evaluate membership near Boston. | 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/) | ## 30-Year vs 15-Year Fixed in Boston The lowest 15-year fixed APR from credit unions serving Boston is 6.116%, versus 6.069% for a 30-year — a 0.047-point spread. Credit union medians: 6.590% (15-year) and 7.060% (30-year). | Term | Lowest APR | Lowest-rate credit union | Credit union median | Lenders | | 30-Year Fixed | 6.069% | First Citizens' | 7.060% | 16 | | 15-Year Fixed | 6.116% | First Citizens' | 6.590% | 2 | Rates as of November 13, 2026, from published Massachusetts credit union rate sheets. ## How to Get the Best Mortgage Rate in Boston Credit unions serving Boston 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 Boston. Most credit unions require a minimum of 620-680 for mortgages. 2 #### Join a Credit Union Many credit unions serving Boston have flexible membership requirements. Some are open to anyone who lives, works, or worships in Massachusetts. 3 #### Compare Multiple Lenders Even a 0.25% difference in APR can save you thousands over the life of your Boston 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 Boston home long-term. ### Mortgage Rates in Massachusetts [All Massachusetts Rates](https://rateapi.dev/mortgage-rates/massachusetts) [Lynn](https://rateapi.dev/mortgage-rates/massachusetts/lynn) [Springfield](https://rateapi.dev/mortgage-rates/massachusetts/springfield) [Fall River](https://rateapi.dev/mortgage-rates/massachusetts/fall-river) [Lowell](https://rateapi.dev/mortgage-rates/massachusetts/lowell) [Worcester](https://rateapi.dev/mortgage-rates/massachusetts/worcester) ### Other Loan Products [Massachusetts Credit Unions](https://rateapi.dev/credit-unions/massachusetts) [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 Boston As of November 2026, 30-year fixed mortgage rates in the Boston metro area range from 6.069% to 7.703% APR across credit unions serving Massachusetts. The median rate is 7.060% APR. What are the current mortgage rates in Boston? To get the best mortgage rate in Boston: 1) Compare rates from multiple credit unions serving the Boston 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 Boston? Yes, credit unions serving Boston, 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 Boston? For the best mortgage rates in Boston, 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 Massachusetts have varying requirements, so compare options even with lower scores. What credit score do I need for the best mortgage rates in Boston? How much house you can afford in Boston 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 Boston rates to calculate your maximum affordable home price. How much house can I afford in Boston? ### Mortgage Rates in Other Massachusetts Cities [Lynn](https://rateapi.dev/mortgage-rates/massachusetts/lynn) [Springfield](https://rateapi.dev/mortgage-rates/massachusetts/springfield) [Fall River](https://rateapi.dev/mortgage-rates/massachusetts/fall-river) [Lowell](https://rateapi.dev/mortgage-rates/massachusetts/lowell) [Worcester](https://rateapi.dev/mortgage-rates/massachusetts/worcester) [Cambridge](https://rateapi.dev/mortgage-rates/massachusetts/cambridge) [Somerville](https://rateapi.dev/mortgage-rates/massachusetts/somerville) [Attleboro](https://rateapi.dev/mortgage-rates/massachusetts/attleboro) [Chicopee](https://rateapi.dev/mortgage-rates/massachusetts/chicopee) [Fairhaven](https://rateapi.dev/mortgage-rates/massachusetts/fairhaven) [Leominster](https://rateapi.dev/mortgage-rates/massachusetts/leominster) [Methuen](https://rateapi.dev/mortgage-rates/massachusetts/methuen) [New Bedford](https://rateapi.dev/mortgage-rates/massachusetts/new-bedford) [Pittsfield](https://rateapi.dev/mortgage-rates/massachusetts/pittsfield) [Shrewsbury](https://rateapi.dev/mortgage-rates/massachusetts/shrewsbury) [South Boston](https://rateapi.dev/mortgage-rates/massachusetts/south-boston) [Taunton](https://rateapi.dev/mortgage-rates/massachusetts/taunton) [Brockton](https://rateapi.dev/mortgage-rates/massachusetts/brockton) [Quincy](https://rateapi.dev/mortgage-rates/massachusetts/quincy) ### 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 Massachusetts via our REST API. 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