--- title: "Mortgage Rates in Utah: Credit Union 30-Year from 6.250% APR" description: "7 Utah credit unions compared, November 2026: 30-year fixed mortgages from 6.250% APR at Wasatch Peaks. Verified from real credit union rate sheets — no paid ranking, no affiliate links." canonical: "https://rateapi.dev/mortgage-rates/utah" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Utah Credit Union Mortgage Rates Compare local 30-year fixed, first-mortgage rates from credit unions in Utah. Today's best 30-year rate: 6.250% APR at Wasatch Peaks. Zero affiliate bias - rates ranked by true cost. Updated November 2026 28 Credit Unions [Home](https://rateapi.dev/) / [Mortgage Rates](https://rateapi.dev/mortgage-rates) / Utah **Quick answer:** As of November 13, 2026, 30-year fixed mortgage rates from credit unions in Utah range from **6.250% to 8.997% APR** , with a median of 7.134% APR across 7 institutions. The lowest rate currently comes from Wasatch Peaks. Rates below are ranked by true cost with no affiliate bias. ## Shop mortgage rates locally in Utah 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 Utah credit unions](https://rateapi.dev/credit-unions/utah) [See who can join in Utah](https://rateapi.dev/who-can-join/utah) [Compare mortgage rates near Salt Lake City](https://rateapi.dev/mortgage-rates/utah/salt-lake-city) [Compare mortgage rates near Ogden](https://rateapi.dev/mortgage-rates/utah/ogden) [Compare mortgage rates near Provo](https://rateapi.dev/mortgage-rates/utah/provo) [Compare mortgage rates near Brigham City](https://rateapi.dev/mortgage-rates/utah/brigham-city) Latest underlying 30-year rate observation: November 13, 2026. See [how RateAPI verifies published rates](https://rateapi.dev/methodology) . 6.250% Lowest 30yr APR Wasatch Peaks 7.134% Median APR 8.997% Highest APR 7 Institutions Utah mortgage rates range from 6.250% to 8.997% APR for 30-year fixed loans. Data from 28 credit unions, updated November 2026. > Source: [RateAPI.dev](https://rateapi.dev/mortgage-rates/utah) ## Top Utah Credit Unions for Mortgages Ranked by lowest APR. Based on a $400,000 loan over 30 years. | Credit Union | Rate | APR | Est. Payment | | Wasatch Peaks Credit Union 30-Yr Fixed Long Term | 6.24% | 6.25% | $2,463/mo | [Visit Site](https://www.wasatchpeaks.com/) | Deseret First Credit Union 30-Year Fixed | 7% | 7% | $2,661/mo | [Visit Site](https://www.dfcu.com/) | Goldenwest Credit Union 30-Year Fixed | 6.99% | 6.99% | $2,659/mo | [Visit Site](https://www.gwcu.org/locations/branches/corporate-branch-ogden-utah) | America First Credit Union 30-Year Fixed | 7% | 7% | $2,661/mo | [Visit Site](https://www.americafirst.com/) | Utah Power Credit Union 30-Year Fixed | 7.125% | 7.281% | $2,737/mo | [Visit Site](https://www.utahpowercu.org/) | ## 15-Year Fixed Rates in Utah Lowest APR 6.748% Median APR 6.669% Institutions 3 ## How to Get the Best Mortgage Rate in Utah Credit unions in Utah 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 Utah 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 Utah [Salt Lake City Mortgage Rates](https://rateapi.dev/mortgage-rates/utah/salt-lake-city) [Ogden Mortgage Rates](https://rateapi.dev/mortgage-rates/utah/ogden) [Provo Mortgage Rates](https://rateapi.dev/mortgage-rates/utah/provo) [Brigham City Mortgage Rates](https://rateapi.dev/mortgage-rates/utah/brigham-city) [Logan Mortgage Rates](https://rateapi.dev/mortgage-rates/utah/logan) [Orem Mortgage Rates](https://rateapi.dev/mortgage-rates/utah/orem) [Springville Mortgage Rates](https://rateapi.dev/mortgage-rates/utah/springville) [West Jordan Mortgage Rates](https://rateapi.dev/mortgage-rates/utah/west-jordan) [West Valley City Mortgage Rates](https://rateapi.dev/mortgage-rates/utah/west-valley-city) [Sandy Mortgage Rates](https://rateapi.dev/mortgage-rates/utah/sandy) [Layton Mortgage Rates](https://rateapi.dev/mortgage-rates/utah/layton) ### Mortgage Rates in Nearby States [Arizona](https://rateapi.dev/mortgage-rates/arizona) [Colorado](https://rateapi.dev/mortgage-rates/colorado) [Idaho](https://rateapi.dev/mortgage-rates/idaho) [Nevada](https://rateapi.dev/mortgage-rates/nevada) [New Mexico](https://rateapi.dev/mortgage-rates/new-mexico) [Wyoming](https://rateapi.dev/mortgage-rates/wyoming) ### Other Loan Products in Utah [Utah Credit Unions](https://rateapi.dev/credit-unions/utah) [Utah Mortgage Refinance Rates](https://rateapi.dev/refinance-rates/utah) [Home Equity Line (HELOC) Rates in Utah](https://rateapi.dev/heloc-rates/utah) [Utah Auto Loan Rates](https://rateapi.dev/auto-loan-rates/utah) [Utah Personal Loan Rates](https://rateapi.dev/personal-loan-rates/utah) ### 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 Utah As of November 2026, 30-year fixed mortgage rates in Utah range from 6.250% to 8.997% APR across credit unions. The median rate is 7.134% APR. What are the current mortgage rates in Utah? To get the best mortgage rate in Utah: 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 Utah? Yes, credit unions in Utah 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 Utah? For the best mortgage rates in Utah, 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 Utah? RateAPI updates credit union mortgage rates for Utah daily by scraping lender websites directly. The rates on this page reflect the most recent collection, last refreshed in November 2026. How often are Utah mortgage rates updated? Yes. RateAPI provides daily-updated Utah 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. Can I get Utah mortgage rate data through an API? ### 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) National context ## National mortgage rate context Zoom out from state-level data to the national picture and our cross-product benchmark. 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