--- title: "Wisconsin Credit Union Mortgage Rates" description: "12 Wisconsin credit unions compared, November 2026: 30-year fixed mortgages from 7.040% APR at Evergreen. Verified from real credit union rate sheets — no paid ranking, no affiliate links." canonical: "https://rateapi.dev/mortgage-rates/wisconsin" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Wisconsin Credit Union Mortgage Rates Compare local 30-year fixed, first-mortgage rates from credit unions in Wisconsin. Today's best 30-year rate: 7.040% APR at Evergreen. Zero affiliate bias - rates ranked by true cost. Updated November 2026 59 Credit Unions [Home](https://rateapi.dev/) / [Mortgage Rates](https://rateapi.dev/mortgage-rates) / Wisconsin **Quick answer:** As of November 2026, 30-year fixed mortgage rates from credit unions in Wisconsin range from **7.040% to 7.750% APR** , with a median of 7.208% APR across 12 institutions. The lowest rate currently comes from Evergreen. Rates below are ranked by true cost with no affiliate bias. 7.040% Lowest 30yr APR Evergreen 7.208% Median APR 7.750% Highest APR 12 Institutions Wisconsin mortgage rates range from 7.040% to 7.750% APR for 30-year fixed loans. Data from 59 credit unions, updated November 2026. > Source: [RateAPI.dev](https://rateapi.dev/mortgage-rates/wisconsin) ## Top Wisconsin Credit Unions for Mortgages Ranked by lowest APR. Based on a $400,000 loan over 30 years. | Credit Union | Rate | APR | Est. Payment | | Co-Op Credit Union 30 Year Fixed Rate (Secondary Market) 3 | 6.875% | 6.875% | $2,628/mo | [Visit Site](https://www.coopcu.com/) | Evergreen Credit Union Primary Home-First Mortgage (30 Year Fixed) | 7% | 7% | $2,661/mo | [Visit Site](https://www.evergreencu.com/) | Community First Credit Union Fixed Rate Mortgages 3 (30 Year Fixed Rate) | 7% | 7% | $2,661/mo | [Visit Site](https://www.communityfirstcu.org/) | Unitedone Credit Union 30 Year Fixed (360 months) | 7% | 7.08% | $2,683/mo | [Visit Site](https://www.unitedone.org/) | Educators Credit Union 30-Year Fixed | 7.125% | 7.125% | $2,695/mo | [Visit Site](https://www.ecu.com/) | ## 15-Year Fixed Rates in Wisconsin Lowest APR % Median APR 6.745% Institutions 3 ## How to Get the Best Mortgage Rate in Wisconsin Credit unions in Wisconsin 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 Wisconsin 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 Wisconsin [Milwaukee Mortgage Rates](https://rateapi.dev/mortgage-rates/wisconsin/milwaukee) [Madison Mortgage Rates](https://rateapi.dev/mortgage-rates/wisconsin/madison) [Green Bay Mortgage Rates](https://rateapi.dev/mortgage-rates/wisconsin/green-bay) [La Crosse Mortgage Rates](https://rateapi.dev/mortgage-rates/wisconsin/la-crosse) [Oshkosh Mortgage Rates](https://rateapi.dev/mortgage-rates/wisconsin/oshkosh) [Wausau Mortgage Rates](https://rateapi.dev/mortgage-rates/wisconsin/wausau) [Appleton Mortgage Rates](https://rateapi.dev/mortgage-rates/wisconsin/appleton) [Marshfield Mortgage Rates](https://rateapi.dev/mortgage-rates/wisconsin/marshfield) [Racine Mortgage Rates](https://rateapi.dev/mortgage-rates/wisconsin/racine) [Beloit Mortgage Rates](https://rateapi.dev/mortgage-rates/wisconsin/beloit) [Manitowoc Mortgage Rates](https://rateapi.dev/mortgage-rates/wisconsin/manitowoc) [Marinette Mortgage Rates](https://rateapi.dev/mortgage-rates/wisconsin/marinette) [Neenah Mortgage Rates](https://rateapi.dev/mortgage-rates/wisconsin/neenah) [Onalaska Mortgage Rates](https://rateapi.dev/mortgage-rates/wisconsin/onalaska) [Sheboygan Mortgage Rates](https://rateapi.dev/mortgage-rates/wisconsin/sheboygan) [Kenosha Mortgage Rates](https://rateapi.dev/mortgage-rates/wisconsin/kenosha) [Waukesha Mortgage Rates](https://rateapi.dev/mortgage-rates/wisconsin/waukesha) [Eau Claire Mortgage Rates](https://rateapi.dev/mortgage-rates/wisconsin/eau-claire) ### Mortgage Rates in Nearby States [Illinois](https://rateapi.dev/mortgage-rates/illinois) [Iowa](https://rateapi.dev/mortgage-rates/iowa) [Michigan](https://rateapi.dev/mortgage-rates/michigan) [Minnesota](https://rateapi.dev/mortgage-rates/minnesota) ### Other Loan Products in Wisconsin [Wisconsin Credit Unions](https://rateapi.dev/credit-unions/wisconsin) [Wisconsin Mortgage Refinance Rates](https://rateapi.dev/refinance-rates/wisconsin) [Home Equity Line (HELOC) Rates in Wisconsin](https://rateapi.dev/heloc-rates/wisconsin) [Wisconsin Auto Loan Rates](https://rateapi.dev/auto-loan-rates/wisconsin) [Wisconsin Personal Loan Rates](https://rateapi.dev/personal-loan-rates/wisconsin) ### 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 Wisconsin As of November 2026, 30-year fixed mortgage rates in Wisconsin range from 7.040% to 7.750% APR across credit unions. The median rate is 7.208% APR. What are the current mortgage rates in Wisconsin? To get the best mortgage rate in Wisconsin: 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 Wisconsin? Yes, credit unions in Wisconsin 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 Wisconsin? For the best mortgage rates in Wisconsin, 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 Wisconsin? RateAPI updates credit union mortgage rates for Wisconsin daily by scraping lender websites directly. The rates on this page reflect the most recent collection, last refreshed in November 2026. How often are Wisconsin mortgage rates updated? Yes. RateAPI provides daily-updated Wisconsin 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 Wisconsin 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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