Best tracked credit union is 40 bps below the national benchmark. Navy Federal Credit Union is shown at 7.000% versus Freddie Mac PMMS at 7.400%.
Browse 66 credit unions with fresh public rate sheets, filtered for your state and sorted by the lowest matching posted rate. Every number keeps its source date, APR, and points visible.
Always verify eligibility before applying. Many community credit unions are restricted to specific counties, employer groups, or association memberships beyond what public data can confirm. Some do not offer every loan type. Confirm the details directly with the institution.
| Credit union & eligibility | Rate | APR | Product / term | Points | Vs PMMS | As of | Details |
|---|---|---|---|---|---|---|---|
| Navy Federal Credit Union militaryMilitary, DoD civilians, veterans, and immediate family. | 7.000% | 7.189% | Conventional · 30-yr | 0.88 pts | -40 bps | 6d ago | View → |
| PenFed Credit Union open nationallyOpen nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. · you're eligible | 7.000% | 7.192% | Conventional · 30-yr | 1.13 pts | -40 bps | 6d ago | View → |
| Connexus Credit Union open nationallyOpen nationally — Connexus Association membership ($5 donation). · you're eligible | 7.125% | 7.289% | Conventional · 30-yr | 1.00 pts | -28 bps | 6d ago | View → |
| BMI Credit Union state-basedOpen to residents of the credit union's chartered area — verify the specific counties or regions on the CU's membership page. | 7.375% | 7.520% | Conventional · 30-yr | 0.00 pts | -3 bps | 6d ago | View → |
| Cinfed Credit Union state-basedOpen to residents of the credit union's chartered area — verify the specific counties or regions on the CU's membership page. | 7.500% | 7.532% | Conventional · 30-yr | 0.00 pts | +10 bps | 6d ago | View → |
| Digital Federal CU (DCU) open nationallyOpen nationally — Open via several association memberships. · you're eligible | 7.625% | 7.748% | Conventional · 30-yr | 0.00 pts | +22 bps | 6d ago | View → |
Multi-term pricing from each institution's public rate sheet
Military, DoD civilians, veterans, and immediate family.
| Loan | Term | Rate | APR | Points | Effective |
|---|---|---|---|---|---|
| Conventional | 30-yr | 7.000% | 7.189% | 0.88 | 6d ago |
| Conventional | 15-yr | 6.375% | 6.614% | 0.50 | 6d ago |
Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. · you're eligible
| Loan | Term | Rate | APR | Points | Effective |
|---|---|---|---|---|---|
| Conventional | 30-yr | 7.000% | 7.192% | 1.13 | 6d ago |
Open nationally — Connexus Association membership ($5 donation). · you're eligible
| Loan | Term | Rate | APR | Points | Effective |
|---|---|---|---|---|---|
| Conventional | 30-yr | 7.125% | 7.289% | 1.00 | 6d ago |
| Conventional | 20-yr | 6.875% | 7.087% | 1.00 | 6d ago |
| Conventional | 15-yr | 6.375% | 6.635% | 1.00 | 6d ago |
Open to residents of the credit union's chartered area — verify the specific counties or regions on the CU's membership page.
| Loan | Term | Rate | APR | Points | Effective |
|---|---|---|---|---|---|
| Conventional | 30-yr | 7.375% | 7.520% | 0.00 | 6d ago |
| Conventional | 20-yr | 7.375% | 7.562% | 0.00 | 6d ago |
| Conventional | 15-yr | 6.750% | 6.978% | 0.00 | 6d ago |
Institutional NCUA data source. Credit union coverage starts with the NCUA's quarterly list of federally insured institutions. Posted rates come from public lender rate sheets, keep their original effective dates, and are never adjusted to make an institution rank better.
No lender pays for placement, no ranking is sponsored, and borrower contact details are never gathered or sold.
Loan Estimates are processed transiently without retaining the uploaded file. Matching selected fields is not lender authentication.
Freddie Mac's weekly national survey is shown as context; each lender rate keeps its own source and effective date.
