Principal & interest only — does not include taxes, insurance, maintenance, or other costs
Tip: APR includes points and fees — try sorting by it
Key terms explained
Rate columns
Rate
The annual interest rate on the loan, not including fees.
APR
Annual Percentage Rate. Takes the interest rate and adds in certain fees (like points), giving a more complete picture of the loan's cost over its full term.
Monthly P&I
Monthly principal and interest payment. Does not include taxes or insurance.
Points
Fees paid upfront to the lender in exchange for a lower interest rate. One point equals one percent of the loan amount.
Loan terms
30-Year Fixed
A mortgage with a fixed interest rate for the full 30-year loan term. Monthly payments stay the same.
15-Year Fixed
A mortgage with a fixed interest rate for the full 15-year loan term.
15/15 ARM
An adjustable-rate mortgage where the rate is fixed for the first 15 years, then adjusts once for the remaining 15 years.
10/1 ARM
An adjustable-rate mortgage where the rate is fixed for the first 10 years, then adjusts once per year for the remaining term.
7/1 ARM
An adjustable-rate mortgage where the rate is fixed for the first 7 years, then adjusts once per year for the remaining term.
5/1 ARM
An adjustable-rate mortgage where the rate is fixed for the first 5 years, then adjusts once per year for the remaining term.
Loan types
Conforming
A loan within standard size limits set by the Federal Housing Finance Agency (currently $806,500 in most areas). These typically have the lowest rates.
Jumbo
A loan that exceeds conforming limits. Rates are typically higher because the loan is too large for government-backed programs.
Filters
Eligibility
Whether the credit union's rates are available to anyone who joins, or restricted to people with certain characteristics such as an employer or home address in a particular area.
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. For mortgagewebcenter.com sources, we compute the payment ourselves using the standard amortization formula (PMT) assuming a $300,000 loan. 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 cumortgage.net 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
2026-04-11: Clarified that some credit unions make rates available only to well-established members. Added headline rate information above the fold. Added rate browser where you can click around to explore rates with different eligibility etc constraints.
2026-04-02: Converted to more mobile-friendly card layout. Re-organized rate chooser (it'll probably get reorganized again.) Added "Reset to default" and "Remove filter" links to the rate type filter. On the back end, reorganized credit union eligibility data by credit union domain name so eligibility info displays more reliably. Include a wider variety of '30 Year Fixed' loans in default rates. Fixed Jumbo payment amounts (were ~5x too high). Added chooser for house price to customize payment amount. Fix issues importing data from mortgagewebcenter.com.
2025-04-01: Adjusted 'last updated' date calculation to be more conservative. Adjusted website generation to operate correctly even when new data is coming in. Added more "Open to All" credit unions by unifying various forms of "Open to All if you join xyz organization" into one "Open to All" category.
2025-03-20: Migrated backend to hopefully fix automate rate updates. At the time of writing
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).