Loan rates on the call report · Q2 2026 call reports
Credit union first mortgage rate
Interest rate reported for 1-4 family first-lien loans and lines. The median across all 3,214 credit unions reporting it was 5.75% for the quarter ended June 30, 2026. Among those with $25.0 million or more in assets, the middle half ran from 4.70% to 6.38% (median 5.75%).
Why it matters
This is the rate each credit union reported for its 1-4 family first-lien loans. It reflects the loans it holds, so it can trail today's market.
How it is calculated
The interest rate for 1-4 family first-lien loans and lines entered on the call report.
NCUA 5300 call report accounts: ACCT_563A (interest rate, 1-4 family first lien) · ACCT_703A (1-4 family first-lien loans). Methodology
How credit unions are spread
By NCUA peer group
| Assets | Count | 25th pct | Median | 75th pct |
|---|---|---|---|---|
| Under $2 million in assets | 4 | 4.88% | 6.20% | 7.05% |
| $2 million to $10 million | 102 | 4.50% | 5.17% | 6.50% |
| $10 million to $50 million | 759 | 4.26% | 5.30% | 6.25% |
| $50 million to $100 million | 543 | 4.46% | 5.50% | 6.33% |
| $100 million to $500 million | 1,049 | 4.77% | 5.77% | 6.50% |
| $500 million and up | 757 | 5.24% | 5.96% | 6.38% |
Lowest first mortgage rate
Using the rules of the national ranking. See the top 100.
- Premier America Credit Union Chatsworth, CA 2.25%
- Pearl Hawaii Federal Credit Union Waipahu, HI 2.25%
- First Flight Federal Credit Union Cary, NC 2.25%
- U.p. Connection Federal Credit Union Omaha, NE 2.25%
- Meridian Credit Union Ottumwa, IA 2.38%
- Evansville Firefighters Federal Credit Union Evansville, IN 2.38%
- Air Academy Federal Credit Union Colorado Springs, CO 2.49%
- Riverfront Federal Credit Union Wyomissing, PA 2.49%
- Tonawanda Valley Federal Credit Union Batavia, NY 2.50%
- River Valley Credit Union Ada, MI 2.50%
Highest first mortgage rate
- Members Choice Credit Union Houston, TX 13.75%
- Connected Credit Union Augusta, ME 13.61%
- City Federal Credit Union Amarillo, TX 13.57%
- First Source Federal Credit Union New Hartford, NY 11.51%
- Texoma Community Credit Union Wichita Falls, TX 10.61%
- Ferguson Federal Credit Union Monticello, MS 10.00%
- Huntington Beach Credit Union Huntington Beach, CA 9.75%
- R T P Federal Credit Union Rtp, NC 9.75%
- Caro Federal Credit Union Columbia, SC 9.75%
- Michigan First Credit Union Lathrup Village, MI 9.63%
Median by state
Credit unions headquartered in each state, with $25.0 million or more in assets; states with at least three.
| State | Median | Count |
|---|---|---|
| New Jersey | 4.90% | 53 |
| Hawaii | 5.00% | 38 |
| West Virginia | 5.13% | 32 |
| Louisiana | 5.26% | 60 |
| District of Columbia | 5.40% | 17 |
| California | 5.44% | 206 |
| New York | 5.47% | 164 |
| North Dakota | 5.49% | 19 |
| Connecticut | 5.50% | 40 |
| Indiana | 5.50% | 85 |
| Nebraska | 5.50% | 29 |
| Ohio | 5.50% | 131 |
| Maryland | 5.56% | 44 |
| Alaska | 5.60% | 7 |
| Alabama | 5.61% | 56 |
| Kansas | 5.61% | 35 |
| Pennsylvania | 5.71% | 152 |
| Virginia | 5.71% | 63 |
| Mississippi | 5.72% | 20 |
| Arizona | 5.74% | 25 |
| North Carolina | 5.75% | 44 |
| Georgia | 5.75% | 39 |
| Tennessee | 5.75% | 81 |
| Idaho | 5.75% | 22 |
| Iowa | 5.79% | 46 |
| Washington | 5.81% | 62 |
| Nevada | 5.81% | 12 |
| Wisconsin | 5.81% | 78 |
| Illinois | 5.82% | 83 |
| Missouri | 5.83% | 50 |
| Texas | 5.84% | 215 |
| Delaware | 5.88% | 9 |
| Colorado | 5.89% | 50 |
| Massachusetts | 5.95% | 86 |
| Arkansas | 5.97% | 18 |
| Florida | 6.00% | 91 |
| Maine | 6.00% | 46 |
| Minnesota | 6.00% | 58 |
| Montana | 6.00% | 27 |
| Puerto Rico | 6.00% | 3 |
| New Mexico | 6.02% | 22 |
| Michigan | 6.04% | 150 |
| Utah | 6.12% | 35 |
| Kentucky | 6.13% | 34 |
| Rhode Island | 6.13% | 11 |
| Oregon | 6.15% | 41 |
| Oklahoma | 6.15% | 32 |
| New Hampshire | 6.24% | 10 |
| South Carolina | 6.25% | 32 |
| South Dakota | 6.25% | 22 |
| Wyoming | 6.38% | 14 |
| Vermont | 6.50% | 8 |
Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA. Every credit union's figure is on its own page, in the screener, and in the free API.
Questions people ask
What is the average credit union first mortgage rate?
The median across 3,214 credit unions was 5.75% in the Q2 2026 call reports. Among credit unions with $25.0 million or more in assets, the middle half ran from 4.70% to 6.38%.
Is a higher first mortgage rate better?
No. For first mortgage rate, lower is better for members, all else equal. Compare it with credit unions of the same size, since size and lending mix drive it.
How is first mortgage rate calculated?
The interest rate for 1-4 family first-lien loans and lines entered on the call report. Source accounts on NCUA's 5300 call report: ACCT_563A (interest rate, 1-4 family first lien); ACCT_703A (1-4 family first-lien loans).
Which credit union has the lowest first mortgage rate?
Premier America Credit Union of Chatsworth, CA, at 2.25% in Q2 2026, under the rules of the national ranking.