Best mortgage rates in Kentucky this week
Current posted rates from credit unions Kentucky residents can join, with APR, points, and eligibility shown. Borrower comparisons will appear as quotes are contributed.
Data as of 5d ago · Borrower offers span the last 30 days; credit-union posted rates are refreshed weekly (Sundays).
30-yr rates in Kentucky over time
best available ▲ 0.75 since Aug 10Credit union posted rates Kentucky residents can access
Posted rates from each credit union's public rate sheet. Conventional shown by default; expand the others if you qualify.
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Enter the rate a lender quoted you. We'll show it against what Kentucky lenders are posting this week to someone who could actually join them.
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Payment is P&I (plus estimated PMI) on the reference loan, excluding taxes and insurance. Your actual rate depends on your full profile — get pre-approved for your real number, or run the calculator. Not financial advice.
At a glance — ranked by true 5-year cost
incl. points · $170,000 loan · held 5 yrs| Credit union | Rate | This week | Points | Product | Est. 5-yr cost | vs best |
|---|---|---|---|---|---|---|
| Navy Federal Credit Unionjoin → | 7.000% | ▼ 0.75 | 0.88 | Conventional · 30-yr | $69,357 | best |
| TRANSCEND Credit Union | 7.250% | flat | 0 | Conventional · 30-yr | $69,582 | +$225 |
| PenFed Credit Unionjoin → | 7.000% | flat | 1.13 | Conventional · 30-yr | $69,782 | +$425 |
| ABOUND Credit Union | 7.340% | flat | 0 | Conventional · 30-yr | $70,206 | +$849 |
| Connexus Credit Unionjoin → | 7.125% | ▼ 0.125 | 1 | Conventional · 30-yr | $70,419 | +$1,062 |
| L & N Credit Union | 7.625% | ▲ 0.125 | 0 | Conventional · 30-yr | $72,195 | +$2,838 |
| Digital Federal CU (DCU)join → | 7.625% | ▼ 0.25 | 0 | Conventional · 30-yr | $72,195 | +$2,838 |
Conventional
| Rate | This week | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|---|
| 7.000% | ▼ 0.75 | 7.189% | 30y | 0.88 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 5d ago |
| 7.000% | flat | 7.192% | 30y | 1.13 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 5d ago |
| 7.125% | ▼ 0.125 | 7.289% | 30y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 5d ago |
| 7.250% | flat | 7.250% | 30y | 0 | TRANSCEND Credit Union | Open to residents of the credit union's chartered area — verify the specific counties or regions on the CU's membership page. | 5d ago |
| 7.340% | flat | 7.340% | 30y | 0 | ABOUND Credit Union | Employer-restricted membership — check the CU's membership page for the list of eligible employers, associations, and family relationships that qualify. | 5d ago |
| 7.625% | ▲ 0.125 | 7.778% | 30y | 0 | L & N Credit Union | Employer-restricted membership — check the CU's membership page for the list of eligible employers, associations, and family relationships that qualify. | 5d ago |
| 7.625% | ▼ 0.25 | 7.748% | 30y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 5d ago |
| 6.375% | flat | 6.635% | 15y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 5d ago |
| 6.375% | ▲ 0.125 | 6.614% | 15y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 5d ago |
| 6.750% | flat | 6.750% | 15y | 0 | TRANSCEND Credit Union | Open to residents of the credit union's chartered area — verify the specific counties or regions on the CU's membership page. | 5d ago |
| 6.767% | ▲ 0.125 | 6.767% | 15y | 0 | ABOUND Credit Union | Employer-restricted membership — check the CU's membership page for the list of eligible employers, associations, and family relationships that qualify. | 5d ago |
| 7.000% | flat | 7.193% | 15y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 5d ago |
| 7.000% | flat | 7.239% | 15y | 0 | L & N Credit Union | Employer-restricted membership — check the CU's membership page for the list of eligible employers, associations, and family relationships that qualify. | 5d ago |
| 6.500% | flat | 6.500% | 10y | 0 | TRANSCEND Credit Union | Open to residents of the credit union's chartered area — verify the specific counties or regions on the CU's membership page. | 5d ago |
| 6.875% | ▼ 0.25 | 7.087% | 20y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 5d ago |
| 7.000% | flat | 7.334% | 10y | 0 | L & N Credit Union | Employer-restricted membership — check the CU's membership page for the list of eligible employers, associations, and family relationships that qualify. | 5d ago |
| 7.000% | flat | 7.270% | 10y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 5d ago |
| 7.000% | flat | 7.000% | 20y | 0 | TRANSCEND Credit Union | Open to residents of the credit union's chartered area — verify the specific counties or regions on the CU's membership page. | 5d ago |
| 7.116% | ▼ 0.125 | 7.116% | 20y | 0 | ABOUND Credit Union | Employer-restricted membership — check the CU's membership page for the list of eligible employers, associations, and family relationships that qualify. | 5d ago |
| 7.500% | ▼ 0.125 | 7.658% | 20y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 5d ago |
| 7.500% | flat | 7.696% | 20y | 0 | L & N Credit Union | Employer-restricted membership — check the CU's membership page for the list of eligible employers, associations, and family relationships that qualify. | 5d ago |
FHA · 1 rate
For borrowers with lower credit or smaller down payments. Requires mortgage insurance for the life of the loan unless 10%+ down.
| Rate | This week | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|---|
| 6.500% | flat | 7.441% | 30y | 1.38 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 5d ago |
VA · 3 rates
For active military, veterans, reservists, National Guard, and qualifying surviving spouses. Often the lowest rates available, but requires VA eligibility.
| Rate | This week | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|---|
| 6.625% | ▼ 1 | 7.098% | 30y | 0.75 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 5d ago |
| 6.625% | flat | 6.917% | 30y | 1 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 5d ago |
| 6.250% | ▲ 0.125 | 6.961% | 15y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 5d ago |
Jumbo · 7 rates
For loan amounts above the conforming limit ($832,750 in most counties, higher in high-cost areas). Tighter underwriting.
| Rate | This week | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|---|
| 7.125% | ▲ 0.125 | 7.255% | 30y | 1 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 5d ago |
| 7.250% | ▼ 0.875 | 7.441% | 30y | 0.88 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 5d ago |
| 7.500% | ▼ 0.125 | 7.512% | 30y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 5d ago |
| 6.875% | ▲ 0.125 | 7.118% | 15y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 5d ago |
| 7.000% | flat | 7.019% | 15y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 5d ago |
| 7.000% | flat | 7.027% | 10y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 5d ago |
| 7.375% | ▼ 0.125 | 7.391% | 20y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 5d ago |
What would you pay at Kentucky’s best rate?
At 7.000% (PenFed Credit Union, 30-yr conventional) — principal & interest only.
What to know about getting a mortgage in Kentucky
Kentucky offers low prices and moderate carrying costs, with a mortgage market where regional banks and credit unions are competitive against the national lenders. Buyers in the Louisville and Lexington metros see the deepest rate competition; in rural counties, USDA zero-down loans cover much of the state.
The 2026 conforming loan limit in most Kentucky counties is $832,750 for a single-family home (designated high-cost counties go higher). Loans above that are jumbo — expect tighter underwriting and different pricing.
The credit-union rates are taken from each lender's public rate sheet on the effective date shown. We don't take affiliate fees, sell contributor data, or rank lenders by commission. The full methodology is on the methodology page.
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Frequently asked: mortgages in Kentucky
Straight answers, grounded in the data on this page.
What is the best mortgage rate in Kentucky right now?+
The lowest conventional 30-year rate we're tracking in Kentucky this week that anyone can join is 7.000% from PenFed Credit Union, 0.40% below the U.S. average of 7.400%. It's a real posted rate, not a teaser — your actual rate depends on your credit, down payment, and loan type. Credit unions with restricted membership (military or employer-based) sometimes post lower; those are listed below with their eligibility.
How much do you need to put down for a house in Kentucky?+
The median home price in Kentucky is about $210,000, so 20% down is roughly $42,000. Many buyers put down far less: conventional loans go as low as 3%, FHA 3.5%, and VA/USDA can be 0% for those who qualify (with mortgage insurance when you put down under 20%).
Which credit unions can Kentucky residents join for a mortgage?+
Kentucky residents can currently get posted mortgage rates from Navy Federal Credit Union, TRANSCEND Credit Union, PenFed Credit Union, and others. Many credit unions let anyone join through a small one-time association membership — each one's eligibility and exact join steps are on its page.
What first-time homebuyer programs does Kentucky have?+
Kentucky's housing finance agency is the Kentucky Housing Corporation. KHC offers conventional and government first mortgages with down-payment assistance loans up to $10,000. These programs work through participating lenders, so you can (and should) still compare the program rate against the credit-union rates on this page.
What is the conforming loan limit in Kentucky?+
For most Kentucky counties the 2026 conforming loan limit is $832,750 for a single-family home (designated high-cost counties go higher). Loans above the limit are jumbo, which typically means tighter underwriting and different pricing.
Does RatePerch take referral fees from lenders in Kentucky?+
No. We don't take affiliate or referral fees, sell contributor data, or rank lenders by commission. Borrower-quoted rates are submitted anonymously by real Kentucky residents, and credit-union rates are copied straight from each lender's public rate sheet.
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