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Credit unions

Posted rates from credit unions you can join.

Every federally insured credit union in the United States — 63 in total — sorted by lowest posted rate for your state. Rates with a published value appear first; the rest are listed alphabetically below.

Always verify eligibility before applying. Many community credit unions are restricted to specific counties, employer groups, or association memberships beyond what we can detect from public data. Some don't offer every loan type. Use this list as a starting point — confirm details directly on each credit union's site.
6 with rates this week
See these posted rates ranked alongside real borrower offers in Ohio.Best rates in Ohio

At a glance

Best headline rate per credit union · purchase
Credit unionRateAPRProductAs of
Navy Federal Credit Unionmilitary6.250%6.406%Conventional · 30-yr2d ago
PenFed Credit Unionopen nationally6.250%6.458%Conventional · 30-yr8d ago
Connexus Credit Unionopen nationally6.375%6.532%Conventional · 30-yr8d ago
BMI Credit Unionstate-based6.500%6.637%Conventional · 30-yr2d ago
Cinfed Credit Unionstate-based6.625%6.657%Conventional · 30-yr2d ago
Digital Federal CU (DCU)open nationally6.875%6.993%Conventional · 30-yr2d ago
Military, DoD civilians, veterans, and immediate family.
How to join →
6.250%
Conventional · 30-yr
LoanTermRateAPRPointsEffective
Conventional30-yr6.250%6.406%0.632d ago
Conventional15-yr5.625%5.820%0.252d ago
VA30-yr5.750%6.186%0.632d ago
Jumbo30-yr6.500%6.658%0.632d ago
VA15-yr5.375%6.068%0.502d ago
Jumbo15-yr6.125%6.323%0.252d ago

PenFed Credit Union

open nationally
Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. · you're eligible
How to join →
6.250%
Conventional · 30-yr
LoanTermRateAPRPointsEffective
Conventional30-yr6.250%6.458%1.388d ago
FHA30-yr5.750%6.674%1.388d ago
VA30-yr5.750%6.075%1.508d ago
Jumbo30-yr6.375%6.511%1.138d ago

Connexus Credit Union

open nationally
Open nationally — Connexus Association membership ($5 donation). · you're eligible
How to join →
6.375%
Conventional · 30-yr
LoanTermRateAPRPointsEffective
Conventional30-yr6.375%6.532%1.008d ago
Conventional15-yr5.750%6.005%1.008d ago
Conventional20-yr6.125%6.331%1.008d ago

BMI Credit Union

state-based
Open to residents of the credit union's chartered area — verify the specific counties or regions on the CU's membership page.
How to join →
6.500%
Conventional · 30-yr
LoanTermRateAPRPointsEffective
Conventional30-yr6.500%6.637%0.002d ago
Conventional15-yr5.875%6.097%0.002d ago
Conventional20-yr6.500%6.681%0.002d ago
Open to residents of the credit union's chartered area — verify the specific counties or regions on the CU's membership page.
How to join →
6.625%
Conventional · 30-yr
LoanTermRateAPRPointsEffective
Conventional30-yr6.625%6.657%0.002d ago
Conventional15-yr6.000%6.045%0.002d ago
Conventional10-yr6.000%6.062%0.002d ago
Conventional20-yr6.625%6.664%0.002d ago
Open nationally — Open via several association memberships. · you're eligible
How to join →
6.875%
Conventional · 30-yr
LoanTermRateAPRPointsEffective
Conventional30-yr6.875%6.993%0.002d ago
Conventional15-yr6.125%6.313%0.002d ago
Jumbo30-yr6.750%6.762%0.002d ago
Conventional10-yr6.000%6.265%0.002d ago
Jumbo10-yr6.000%6.026%0.002d ago
Jumbo15-yr6.125%6.144%0.002d ago

Credit union list sourced from the NCUA's quarterly list of federally insured credit unions. Posted rates are added manually from each credit union's published rate sheet on the effective date shown. Rates aren't adjusted for points, fees, or limited-time discount specials. Always confirm directly with the lender before locking. Eligibility summaries are simplifications — see each credit union's full membership rules.