--- title: "Best Credit Union Mortgage Rates in Richmond" description: "Richmond credit union mortgage rates, November 2026: 30-year fixed from 6.302% APR at Strategic, 15-year from 7.510% APR. 21 Virginia lenders compared from real rate sheets — no paid ranking." canonical: "https://rateapi.dev/mortgage-rates/virginia/richmond" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Mortgage Rates in Richmond Richmond credit union mortgage rates, November 2026: 30-year fixed from 6.302% APR at Strategic, 15-year fixed from 7.510% APR. 21 Virginia lenders compared from real rate sheets — no paid ranking. Updated November 2026 Virginia Credit Unions **Key takeaways:** 30-year fixed mortgage rates for Richmond credit unions range from **6.302%** to **8.505% APR** (median 6.948%) across 21 Virginia 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) / [Virginia](https://rateapi.dev/mortgage-rates/virginia) / Richmond 6.302% Lowest 30yr APR Strategic 6.948% Median APR 8.505% Highest APR 21 Virginia Lenders Richmond mortgage rates range from 6.302% to 8.505% APR for 30-year fixed loans. Data from 62 credit unions in Virginia, updated November 2026. > Source: [RateAPI.dev](https://rateapi.dev/mortgage-rates/virginia/richmond) ## Top Credit Unions for Richmond Mortgages Ranked by lowest APR. Based on a $400,000 loan over 30 years. | Credit Union | Rate | APR | Est. Payment | | Langley Credit Union 30-Year Fixed | 7% | 7.125% | $2,695/mo | [Visit Site](https://langleyfcu.org) | Dominion Energy Credit Union 30-Year Fixed | 7.75% | 7.75% | $2,866/mo | [Visit Site](https://www.dominionenergycu.org/) | Bronco Credit Union 30-Year Fixed | 8.25% | 8.505% | $3,077/mo | [Visit Site](https://www.broncofcu.com/) | ## 30-Year vs 15-Year Fixed in Richmond The lowest 15-year fixed APR from credit unions serving Richmond is 7.510%, versus 6.302% for a 30-year — a 1.208-point spread. Credit union medians: 7.510% (15-year) and 6.948% (30-year). | Term | Lowest APR | Lowest-rate credit union | Credit union median | Lenders | | 30-Year Fixed | 6.302% | Strategic | 6.948% | 21 | | 15-Year Fixed | 7.510% | Bronco | 7.510% | 1 | Rates as of November 13, 2026, from published Virginia credit union rate sheets. ## How to Get the Best Mortgage Rate in Richmond Credit unions serving Richmond 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 Richmond. Most credit unions require a minimum of 620-680 for mortgages. 2 #### Join a Credit Union Many credit unions serving Richmond have flexible membership requirements. Some are open to anyone who lives, works, or worships in Virginia. 3 #### Compare Multiple Lenders Even a 0.25% difference in APR can save you thousands over the life of your Richmond 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 Richmond home long-term. ## Credit Unions Based in Richmond 6 credit unions are headquartered in Richmond. Local membership is often the easiest to qualify for — many accept anyone who lives or works in the area. [Call Credit Union rates](https://rateapi.dev/credit-unions/virginia/call) [Connects Credit Union rates](https://rateapi.dev/credit-unions/virginia/connects) [Credit Union of Richmond Incorporat Credit Union rates](https://rateapi.dev/credit-unions/virginia/credit-union-of-richmond-incorporat) [Richmond Heritage Credit Union rates](https://rateapi.dev/credit-unions/virginia/richmond-heritage) [Richmond Virginia Fire Police Credi Credit Union rates](https://rateapi.dev/credit-unions/virginia/richmond-virginia-fire-police-credi) [Rva Financial Credit Union rates](https://rateapi.dev/credit-unions/virginia/rva-financial) ### Mortgage Rates in Virginia [All Virginia Rates](https://rateapi.dev/mortgage-rates/virginia) [Virginia Beach](https://rateapi.dev/mortgage-rates/virginia/virginia-beach) [Alexandria](https://rateapi.dev/mortgage-rates/virginia/alexandria) [Newport News](https://rateapi.dev/mortgage-rates/virginia/newport-news) [Hopewell](https://rateapi.dev/mortgage-rates/virginia/hopewell) [Lynchburg](https://rateapi.dev/mortgage-rates/virginia/lynchburg) ### Other Loan Products [Virginia Credit Unions](https://rateapi.dev/credit-unions/virginia) [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 Richmond As of November 2026, 30-year fixed mortgage rates in the Richmond metro area range from 6.302% to 8.505% APR across credit unions serving Virginia. The median rate is 6.948% APR. What are the current mortgage rates in Richmond? To get the best mortgage rate in Richmond: 1) Compare rates from multiple credit unions serving the Richmond 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 Richmond? Yes, credit unions serving Richmond, Virginia 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 Richmond? For the best mortgage rates in Richmond, 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 Virginia have varying requirements, so compare options even with lower scores. What credit score do I need for the best mortgage rates in Richmond? How much house you can afford in Richmond 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 Richmond rates to calculate your maximum affordable home price. How much house can I afford in Richmond? ### Mortgage Rates in Other Virginia Cities [Virginia Beach](https://rateapi.dev/mortgage-rates/virginia/virginia-beach) [Alexandria](https://rateapi.dev/mortgage-rates/virginia/alexandria) [Newport News](https://rateapi.dev/mortgage-rates/virginia/newport-news) [Hopewell](https://rateapi.dev/mortgage-rates/virginia/hopewell) [Lynchburg](https://rateapi.dev/mortgage-rates/virginia/lynchburg) [Norfolk](https://rateapi.dev/mortgage-rates/virginia/norfolk) [Roanoke](https://rateapi.dev/mortgage-rates/virginia/roanoke) [Arlington](https://rateapi.dev/mortgage-rates/virginia/arlington) [Bristol](https://rateapi.dev/mortgage-rates/virginia/bristol) [Chesapeake](https://rateapi.dev/mortgage-rates/virginia/chesapeake) [Harrisonburg](https://rateapi.dev/mortgage-rates/virginia/harrisonburg) [North Chesterfi](https://rateapi.dev/mortgage-rates/virginia/north-chesterfi) [Hampton](https://rateapi.dev/mortgage-rates/virginia/hampton) [Portsmouth](https://rateapi.dev/mortgage-rates/virginia/portsmouth) [Suffolk](https://rateapi.dev/mortgage-rates/virginia/suffolk) ### 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 Virginia via our REST API. 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