--- title: "Best Credit Union Mortgage Rates in Southaven" description: "Southaven credit union mortgage rates, November 2026: 30-year fixed from 6.535% APR at Treasury Employees. 2 Mississippi lenders compared from real rate sheets — no paid ranking." canonical: "https://rateapi.dev/mortgage-rates/mississippi/southaven" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Mortgage Rates in Southaven Southaven credit union mortgage rates, November 2026: 30-year fixed from 6.535% APR at Treasury Employees. 2 Mississippi lenders compared from real rate sheets — no paid ranking. Updated November 2026 Mississippi Credit Unions **Key takeaways:** 30-year fixed mortgage rates for Southaven credit unions range from **6.535%** to **7.225% APR** (median 6.931%) across 2 Mississippi 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) / [Mississippi](https://rateapi.dev/mortgage-rates/mississippi) / Southaven 6.535% Lowest 30yr APR Treasury Employees 6.931% Median APR 7.225% Highest APR 2 Mississippi Lenders Southaven mortgage rates range from 6.535% to 7.225% APR for 30-year fixed loans. Data from 19 credit unions in Mississippi, updated November 2026. > Source: [RateAPI.dev](https://rateapi.dev/mortgage-rates/mississippi/southaven) ## Top Credit Unions for Southaven Mortgages Ranked by lowest APR. Based on a $400,000 loan over 30 years. | Credit Union | Rate | APR | Est. Payment | | Rivertrust Credit Union 30-Year Fixed | 6.5% | 6.5% | $2,528/mo | [Visit Site](https://www.rivertrustfcu.com/) | ## 30-Year vs 15-Year Fixed in Southaven Credit unions serving Southaven publish a 30-year fixed benchmark; 15-year figures appear here as soon as enough Mississippi lenders post them. | Term | Lowest APR | Lowest-rate credit union | Credit union median | Lenders | | 30-Year Fixed | 6.535% | Treasury Employees | 6.931% | 2 | Rates as of November 12, 2026, from published Mississippi credit union rate sheets. ## How to Get the Best Mortgage Rate in Southaven Credit unions serving Southaven 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 Southaven. Most credit unions require a minimum of 620-680 for mortgages. 2 #### Join a Credit Union Many credit unions serving Southaven have flexible membership requirements. Some are open to anyone who lives, works, or worships in Mississippi. 3 #### Compare Multiple Lenders Even a 0.25% difference in APR can save you thousands over the life of your Southaven 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 Southaven home long-term. ## Credit Unions With Branches in Southaven 5 credit unions have branches in Southaven. Local membership is often the easiest to qualify for — many accept anyone who lives or works in the area. [Navy Federal Credit Union Credit Union rates](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [First South Financial Credit Union rates](https://rateapi.dev/credit-unions/tennessee/first-south-financial) [Healthnet Credit Union rates](https://rateapi.dev/credit-unions/tennessee/healthnet) [Southern Security Credit Union rates](https://rateapi.dev/credit-unions/tennessee/southern-security) [Centuryfirst Credit Union rates](https://rateapi.dev/credit-unions/mississippi/centuryfirst) ### Mortgage Rates in Mississippi [All Mississippi Rates](https://rateapi.dev/mortgage-rates/mississippi) [Jackson](https://rateapi.dev/mortgage-rates/mississippi/jackson) [Biloxi](https://rateapi.dev/mortgage-rates/mississippi/biloxi) [Hattiesburg](https://rateapi.dev/mortgage-rates/mississippi/hattiesburg) [Meridian](https://rateapi.dev/mortgage-rates/mississippi/meridian) [Vicksburg](https://rateapi.dev/mortgage-rates/mississippi/vicksburg) ### Other Loan Products [Mississippi Credit Unions](https://rateapi.dev/credit-unions/mississippi) [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 Southaven As of November 2026, 30-year fixed mortgage rates in the Southaven metro area range from 6.535% to 7.225% APR across credit unions serving Mississippi. The median rate is 6.931% APR. What are the current mortgage rates in Southaven? To get the best mortgage rate in Southaven: 1) Compare rates from multiple credit unions serving the Southaven 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 Southaven? Yes, credit unions serving Southaven, Mississippi 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 Southaven? For the best mortgage rates in Southaven, 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 Mississippi have varying requirements, so compare options even with lower scores. What credit score do I need for the best mortgage rates in Southaven? How much house you can afford in Southaven 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 Southaven rates to calculate your maximum affordable home price. 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