ā¹ļø Consider sorting by APR, a number that includes a kind of optional fee called a point and attempts to include some numbers about adjustable rate loans. Learn more about APRs.
š” The "Monthly P&I (per $100K)" column shows the estimated monthly principal and interest payment per $100,000 borrowed. To estimate your monthly payment, multiply this number by your loan amount divided by 100,000. Example: for a $450K loan, multiply by 4.5.
š To copy rates to a spreadsheet: First , paste into row 1 of your sheet. Then select and copy any rows from the table below, and paste into your spreadsheet.
š¬ Use the š button in each row to copy formatted text for sharing.
š Latest update (2025-11-16): Fixed automatic rate updates. Added shareable rate details. Added link for to where to get the rate (may not show up in all rows yet). See full changelog
Disclaimer: I am not affiliated with any of these credit unions, nor do I operate their websites.
I am just a fan of credit unions and people getting good deals.
I am not a registered mortgage professional (NMLS or otherwise). You will need to verify these rates yourself by
going to the credit union's mortgage products list. Rates are only typically available to members of the credit union.
Some credit unions are easy to join by becoming a one-time member for a small fee or zero fee of a community organization
related to the credit union. If unsure, definitely call the credit union on the phone, because they usually like new
members and may tell you things that are not on the credit union website.
About the Monthly P&I Column: The source data from cumortgage.net provides a "Payment" column calculated for a $300,000 loan amount. We divide this by 3 to show the monthly principal and interest per $100,000 borrowed, making it easier to estimate payments for different loan amounts. These payment amounts reflect principal and interest only (not taxes or insurance). See the copy-pasted disclaimer below from the source website for the assumptions used when computing the original payment amount.
The following disclaimer was copied from the original site and even this copy-pasted disclaimer may be out of date:
Interest rates are subject to change without notice - this is not a rate lock commitment or a commitment to lend. You will need to speak to one of our loan officers to obtain a specific quote or to lock in a rate. Final rates, points, and terms are based on an evaluation of credit history, loan-to-value, occupancy, payment type, loan amount, loan purpose, property type, location, and property use.
ARM rates are subject to change during the life of the loan as specified in the loan documents and vary by product selected.
Rates provided assume the purpose of the loan is to purchase an existing single-family home to be used as a primary residence and a credit score of 740. An escrow (impound) account is required and actual monthly payments will be higher as it will also include amounts for real estate taxes and homeowner's insurance premiums. Escrow waivers may be available in some cases and additional fees will apply.
Conforming Rates: Available on loan amounts up to $806,500 (subject to county loan limits). Quoted rates assume the factors listed above a loan amount of $300,000 and an estimated property value of $600,000.
Loan amounts between $806,500 and $1,209,750 (subject to county loan limits) are considered Conforming High-Balance Loans and are subject to additional rate adjustments. Please contact a loan officer for a rate quote on a Conforming High-Balance loan.
Jumbo Rates: Available on loan amounts over $1,209,750 (subject to county loan limits). Quoted rates assume the factors listed above a loan amount of $1,500,000 and an estimated property value of $3,000,000.
Website Changelog
2025-11-16: Fixed automatic rate updates. Added shareable rate details. Added link for to where to get the rate (may not show up in all rows yet).