--- title: "Mortgage Rates in Madison: From 7.040% APR" description: "Madison mortgage rates from 7.040% APR across 12 Wisconsin credit unions. Local access: Heartland. Verified statewide rates and local locations; no paid ranking." canonical: "https://rateapi.dev/mortgage-rates/wisconsin/madison" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Credit Union Mortgage Rates in Madison Compare published 30-year and 15-year mortgage rates across Wisconsin, then use verified local locations to find credit unions accessible in Madison. The rate sample is statewide; the access list is local. Updated November 2026 Wisconsin Credit Unions **Key takeaways:** 30-year fixed mortgage rates for Madison credit unions range from **7.040%** to **7.750% APR** (median 7.208%) across 12 Wisconsin 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) / [Wisconsin](https://rateapi.dev/mortgage-rates/wisconsin) / Madison Local market context ## What is local to Madison—and what is statewide RateAPI compares published mortgages rates across Wisconsin. Local access is established separately using verified credit-union locations, so a statewide benchmark is never presented as a city-only sample. Local access 5 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. - [Heartland](https://rateapi.dev/credit-unions/wisconsin/heartland) - [Madison](https://rateapi.dev/credit-unions/wisconsin/madison) - [Madison Fire Department](https://rateapi.dev/credit-unions/wisconsin/madison-fire-department) - [University of Wisconsin](https://rateapi.dev/credit-unions/wisconsin/university-of-wisconsin) - [Wea](https://rateapi.dev/credit-unions/wisconsin/wea) [Check Wisconsin membership paths](https://rateapi.dev/who-can-join/wisconsin) Wisconsin rate benchmark 7.040%–7.750% APR Published 30-year fixed APR range across 12 credit unions in the statewide comparison. Latest underlying observation: November 13, 2026. [View the full Wisconsin comparison](https://rateapi.dev/mortgage-rates/wisconsin) [How RateAPI verifies rates](https://rateapi.dev/methodology) 7.040% Lowest Wisconsin 30yr APR Evergreen 7.208% Wisconsin Median APR 7.750% Highest APR 12 Wisconsin Lenders Madison mortgage rates range from 7.040% to 7.750% APR for 30-year fixed loans. Data from 59 credit unions in Wisconsin, updated November 2026. > Source: [RateAPI.dev](https://rateapi.dev/mortgage-rates/wisconsin/madison) ## Wisconsin Credit Union Mortgage Rates Available to Madison 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 Madison. | 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/) | ## 30-Year vs 15-Year Fixed in Madison Credit unions serving Madison publish a 30-year fixed benchmark; 15-year figures appear here as soon as enough Wisconsin lenders post them. | Term | Lowest APR | Lowest-rate credit union | Credit union median | Lenders | | 30-Year Fixed | 7.040% | Evergreen | 7.208% | 12 | | 15-Year Fixed | — | — | 6.745% | 3 | Rates as of November 13, 2026, from published Wisconsin credit union rate sheets. ## How to Get the Best Mortgage Rate in Madison Credit unions serving Madison 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 Madison. Most credit unions require a minimum of 620-680 for mortgages. 2 #### Join a Credit Union Many credit unions serving Madison have flexible membership requirements. Some are open to anyone who lives, works, or worships in Wisconsin. 3 #### Compare Multiple Lenders Even a 0.25% difference in APR can save you thousands over the life of your Madison 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 Madison home long-term. ### Mortgage Rates in Wisconsin [All Wisconsin Rates](https://rateapi.dev/mortgage-rates/wisconsin) [Milwaukee](https://rateapi.dev/mortgage-rates/wisconsin/milwaukee) [Green Bay](https://rateapi.dev/mortgage-rates/wisconsin/green-bay) [La Crosse](https://rateapi.dev/mortgage-rates/wisconsin/la-crosse) [Oshkosh](https://rateapi.dev/mortgage-rates/wisconsin/oshkosh) [Wausau](https://rateapi.dev/mortgage-rates/wisconsin/wausau) ### Other Loan Products [Wisconsin Credit Unions](https://rateapi.dev/credit-unions/wisconsin) [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 Madison As of November 2026, 30-year fixed mortgage rates in the Madison metro area range from 7.040% to 7.750% APR across credit unions serving Wisconsin. The median rate is 7.208% APR. What are the current mortgage rates in Madison? To get the best mortgage rate in Madison: 1) Compare rates from multiple credit unions serving the Madison 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 Madison? Yes, credit unions serving Madison, 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 Madison? For the best mortgage rates in Madison, 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 Wisconsin have varying requirements, so compare options even with lower scores. What credit score do I need for the best mortgage rates in Madison? How much house you can afford in Madison 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 Madison rates to calculate your maximum affordable home price. How much house can I afford in Madison? ### Mortgage Rates in Other Wisconsin Cities [Milwaukee](https://rateapi.dev/mortgage-rates/wisconsin/milwaukee) [Green Bay](https://rateapi.dev/mortgage-rates/wisconsin/green-bay) [La Crosse](https://rateapi.dev/mortgage-rates/wisconsin/la-crosse) [Oshkosh](https://rateapi.dev/mortgage-rates/wisconsin/oshkosh) [Wausau](https://rateapi.dev/mortgage-rates/wisconsin/wausau) [Appleton](https://rateapi.dev/mortgage-rates/wisconsin/appleton) [Marshfield](https://rateapi.dev/mortgage-rates/wisconsin/marshfield) [Racine](https://rateapi.dev/mortgage-rates/wisconsin/racine) [Beloit](https://rateapi.dev/mortgage-rates/wisconsin/beloit) [Manitowoc](https://rateapi.dev/mortgage-rates/wisconsin/manitowoc) [Marinette](https://rateapi.dev/mortgage-rates/wisconsin/marinette) [Neenah](https://rateapi.dev/mortgage-rates/wisconsin/neenah) [Onalaska](https://rateapi.dev/mortgage-rates/wisconsin/onalaska) [Sheboygan](https://rateapi.dev/mortgage-rates/wisconsin/sheboygan) [Kenosha](https://rateapi.dev/mortgage-rates/wisconsin/kenosha) [Waukesha](https://rateapi.dev/mortgage-rates/wisconsin/waukesha) [Eau Claire](https://rateapi.dev/mortgage-rates/wisconsin/eau-claire) ### 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 Wisconsin via our REST API. 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