--- title: "Mortgage Rates in Knoxville: From 6.535% APR" description: "Knoxville mortgage rates from 6.535% APR across 5 Tennessee credit unions. Local access: City Employees. Verified statewide rates and local locations; no paid ranking." canonical: "https://rateapi.dev/mortgage-rates/tennessee/knoxville" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Credit Union Mortgage Rates in Knoxville Compare published 30-year and 15-year mortgage rates across Tennessee, then use verified local locations to find credit unions accessible in Knoxville. The rate sample is statewide; the access list is local. Updated November 2026 Tennessee Credit Unions **Key takeaways:** 30-year fixed mortgage rates for Knoxville credit unions range from **6.535%** to **7.730% APR** (median 6.997%) across 5 Tennessee 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) / [Tennessee](https://rateapi.dev/mortgage-rates/tennessee) / Knoxville Local market context ## What is local to Knoxville—and what is statewide RateAPI compares published mortgages rates across Tennessee. 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. - [City Employees](https://rateapi.dev/credit-unions/tennessee/city-employees) - [First Choice Community](https://rateapi.dev/credit-unions/tennessee/first-choice-community) - [Knox Co. Employees](https://rateapi.dev/credit-unions/tennessee/knox-co-employees) - [Knox County Teachers](https://rateapi.dev/credit-unions/tennessee/knox-county-teachers) - [Knoxville Firefighters](https://rateapi.dev/credit-unions/tennessee/knoxville-firefighters) - [Knoxville Law Enforcement](https://rateapi.dev/credit-unions/tennessee/knoxville-law-enforcement) [Check Tennessee membership paths](https://rateapi.dev/who-can-join/tennessee) Tennessee rate benchmark 6.535%–7.730% APR Published 30-year fixed APR range across 5 credit unions in the statewide comparison. Latest underlying observation: November 12, 2026. [View the full Tennessee comparison](https://rateapi.dev/mortgage-rates/tennessee) [How RateAPI verifies rates](https://rateapi.dev/methodology) 6.535% Lowest Tennessee 30yr APR F A A 6.997% Tennessee Median APR 7.730% Highest APR 5 Tennessee Lenders Knoxville mortgage rates range from 6.535% to 7.730% APR for 30-year fixed loans. Data from 69 credit unions in Tennessee, updated November 2026. > Source: [RateAPI.dev](https://rateapi.dev/mortgage-rates/tennessee/knoxville) ## Tennessee Credit Union Mortgage Rates Available to Knoxville 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 Knoxville. | Credit Union | Rate | APR | Est. Payment | | Cornerstone Financial Credit Union 30-Year Fixed | 6.5% | 6.588% | $2,551/mo | [Visit Site](https://www.bankcfcu.org/) | Ascend Credit Union 30-Year Fixed | 7% | 7% | $2,661/mo | [Visit Site](https://ascend.org/) | Us Community Credit Union 30 Year Fixed - Conv | 7.375% | 7.375% | $2,763/mo | [Visit Site](https://usccu.org/) | ## 30-Year vs 15-Year Fixed in Knoxville Credit unions serving Knoxville publish a 30-year fixed benchmark; 15-year figures appear here as soon as enough Tennessee lenders post them. | Term | Lowest APR | Lowest-rate credit union | Credit union median | Lenders | | 30-Year Fixed | 6.535% | F A A | 6.997% | 5 | Rates as of November 12, 2026, from published Tennessee credit union rate sheets. ## How to Get the Best Mortgage Rate in Knoxville Credit unions serving Knoxville 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 Knoxville. Most credit unions require a minimum of 620-680 for mortgages. 2 #### Join a Credit Union Many credit unions serving Knoxville have flexible membership requirements. Some are open to anyone who lives, works, or worships in Tennessee. 3 #### Compare Multiple Lenders Even a 0.25% difference in APR can save you thousands over the life of your Knoxville 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 Knoxville home long-term. ### Mortgage Rates in Tennessee [All Tennessee Rates](https://rateapi.dev/mortgage-rates/tennessee) [Nashville](https://rateapi.dev/mortgage-rates/tennessee/nashville) [Memphis](https://rateapi.dev/mortgage-rates/tennessee/memphis) [Chattanooga](https://rateapi.dev/mortgage-rates/tennessee/chattanooga) [Oak Ridge](https://rateapi.dev/mortgage-rates/tennessee/oak-ridge) [Cleveland](https://rateapi.dev/mortgage-rates/tennessee/cleveland) ### Other Loan Products [Tennessee Credit Unions](https://rateapi.dev/credit-unions/tennessee) [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 Knoxville As of November 2026, 30-year fixed mortgage rates in the Knoxville metro area range from 6.535% to 7.730% APR across credit unions serving Tennessee. The median rate is 6.997% APR. What are the current mortgage rates in Knoxville? To get the best mortgage rate in Knoxville: 1) Compare rates from multiple credit unions serving the Knoxville 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 Knoxville? Yes, credit unions serving Knoxville, Tennessee 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 Knoxville? For the best mortgage rates in Knoxville, 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 Tennessee have varying requirements, so compare options even with lower scores. What credit score do I need for the best mortgage rates in Knoxville? How much house you can afford in Knoxville 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 Knoxville rates to calculate your maximum affordable home price. How much house can I afford in Knoxville? ### Mortgage Rates in Other Tennessee Cities [Nashville](https://rateapi.dev/mortgage-rates/tennessee/nashville) [Memphis](https://rateapi.dev/mortgage-rates/tennessee/memphis) [Chattanooga](https://rateapi.dev/mortgage-rates/tennessee/chattanooga) [Oak Ridge](https://rateapi.dev/mortgage-rates/tennessee/oak-ridge) [Cleveland](https://rateapi.dev/mortgage-rates/tennessee/cleveland) [Jackson](https://rateapi.dev/mortgage-rates/tennessee/jackson) [Johnson City](https://rateapi.dev/mortgage-rates/tennessee/johnson-city) [Kingsport](https://rateapi.dev/mortgage-rates/tennessee/kingsport) [Alcoa](https://rateapi.dev/mortgage-rates/tennessee/alcoa) [Bartlett](https://rateapi.dev/mortgage-rates/tennessee/bartlett) [Brentwood](https://rateapi.dev/mortgage-rates/tennessee/brentwood) [Clarksville](https://rateapi.dev/mortgage-rates/tennessee/clarksville) [Cordova](https://rateapi.dev/mortgage-rates/tennessee/cordova) [Murfreesboro](https://rateapi.dev/mortgage-rates/tennessee/murfreesboro) [Franklin](https://rateapi.dev/mortgage-rates/tennessee/franklin) ### 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 Tennessee via our REST API. 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