Ranking · Q2 2026 call reports
Credit unions with the lowest first mortgage rates
Premier America Credit Union of Chatsworth, California leads this list at 2.25%, according to the call reports credit unions filed with NCUA for the quarter ended June 30, 2026. Lowest first mortgage rate reported on the call report, $25 million and up with at least $1 million of these loans. 2,749 credit unions qualify; the top 100 are below.
These are the rates credit unions reported on their call reports, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.
| # | Credit union | Location | Mortgage | Home equity | Home loans | Assets |
|---|---|---|---|---|---|---|
| 1 | Premier America Credit Union | Chatsworth, CA | 2.25% | 7.08% | $1.8B | $3.3B |
| 2 | Pearl Hawaii Federal Credit Union | Waipahu, HI | 2.25% | 6.50% | $198M | $545M |
| 3 | First Flight Federal Credit Union | Cary, NC | 2.25% | 7.00% | $39.9M | $284M |
| 4 | U.p. Connection Federal Credit Union | Omaha, NE | 2.25% | 6.99% | $9.3M | $34.3M |
| 5 | Meridian Credit Union | Ottumwa, IA | 2.38% | – | $2.6M | $34.4M |
| 6 | Evansville Firefighters Federal Credit Union | Evansville, IN | 2.38% | 7.50% | $10.1M | $33.8M |
| 7 | Air Academy Federal Credit Union | Colorado Springs, CO | 2.49% | 6.50% | $361M | $810M |
| 8 | Riverfront Federal Credit Union | Wyomissing, PA | 2.49% | 2.49% | $119M | $320M |
| 9 | Tonawanda Valley Federal Credit Union | Batavia, NY | 2.50% | 2.40% | $40.1M | $171M |
| 10 | River Valley Credit Union | Ada, MI | 2.50% | 7.20% | $23.9M | $124M |
| 11 | Sterling United Federal Credit Union | Evansville, IN | 2.50% | 6.00% | $25.4M | $102M |
| 12 | Northern Colorado Credit Union | Greeley, CO | 2.50% | 6.75% | $19.7M | $76.3M |
| 13 | Service Plus Credit Union | Moline, IL | 2.50% | 6.75% | $12.9M | $34.7M |
| 14 | Emerald Credit Union, Inc. | Garfield Hts, OH | 2.56% | 6.75% | $10.1M | $32.7M |
| 15 | Cardinal Credit Union, Inc. | Mentor, OH | 2.59% | 6.15% | $103M | $366M |
| 16 | Coast360 Federal Credit Union | Maite, GU | 2.60% | 8.75% | $185M | $633M |
| 17 | Canals & Trails Credit Union | Lockport, IL | 2.60% | 5.77% | $4.0M | $34.2M |
| 18 | Good Neighbors Federal Credit Union | Depew, NY | 2.63% | 6.25% | $32.3M | $91.7M |
| 19 | Greater Pittsburgh Federal Credit Union | Pittsburgh, PA | 2.63% | 6.39% | $6.3M | $76.7M |
| 20 | Koin Credit Union | Brentwood, TN | 2.63% | 7.00% | $14.7M | $34.9M |
| 21 | I B E W 26 Federal Credit Union | Lanham, MD | 2.63% | 4.00% | $1.7M | $29.9M |
| 22 | Aspire Community Federal Credit Union | Minot, ND | 2.65% | 7.75% | $128M | $182M |
| 23 | Reliance Federal Credit Union | King Of Prussia, PA | 2.65% | 6.33% | $11.1M | $35.3M |
| 24 | Mutual Federal Credit Union | Vicksburg, MS | 2.70% | 7.75% | $69.7M | $529M |
| 25 | Select Employees Credit Union | Sterling, IL | 2.70% | 7.50% | $11.4M | $78.6M |
| 26 | Connects Federal Credit Union | Richmond, VA | 2.71% | 8.00% | $11.0M | $98.1M |
| 27 | Rochester & Monroe Co Emp Federal Credit Union | Rochester, NY | 2.74% | 7.45% | $17.5M | $46.4M |
| 28 | Global Federal Credit Union | Anchorage, AK | 2.75% | 7.25% | $3.5B | $13.0B |
| 29 | Wright-Patt Credit Union, Inc. | Beavercreek, OH | 2.75% | 6.75% | $3.2B | $9.5B |
| 30 | CommunityAmerica Federal Credit Union | Lenexa, KS | 2.75% | 6.74% | $2.9B | $9.0B |
| 31 | Solarity Credit Union | Yakima, WA | 2.75% | 7.75% | $243M | $804M |
| 32 | Texell Credit Union | Temple, TX | 2.75% | 6.99% | $168M | $801M |
| 33 | Security Credit Union | Grand Blanc, MI | 2.75% | 6.75% | $110M | $653M |
| 34 | Spectra Federal Credit Union | Alexandria, VA | 2.75% | 7.75% | $149M | $544M |
| 35 | Wauna Federal Credit Union | Clatskanie, OR | 2.75% | 6.35% | $150M | $398M |
| 36 | Transportation Federal Credit Union | Alexandria, VA | 2.75% | 7.75% | $136M | $346M |
| 37 | Your Legacy Federal Credit Union | Tiffin, OH | 2.75% | 7.00% | $8.9M | $79.1M |
| 38 | Affinity First Federal Credit Union | Minot, ND | 2.75% | 4.75% | $17.8M | $70.8M |
| 39 | New Heights Federal Credit Union | Logan, UT | 2.75% | 6.25% | $4.8M | $27.7M |
| 40 | Dowagiac Area Federal Credit Union | Dowagiac, MI | 2.75% | 2.50% | $3.1M | $26.0M |
| 41 | Racine Municipal Employees Credit Union | Racine, WI | 2.80% | 6.25% | $5.8M | $25.9M |
| 42 | Logix Federal Credit Union | Valencia, CA | 2.88% | 7.24% | $5.0B | $9.7B |
| 43 | Nuvision Federal Credit Union | Huntington Beach, CA | 2.88% | 7.00% | $1.6B | $4.0B |
| 44 | Whatcom Educational Credit Union | Bellingham, WA | 2.88% | 6.75% | $1.3B | $3.4B |
| 45 | KeyPoint Credit Union | San Jose, CA | 2.88% | 6.75% | $727M | $1.7B |
| 46 | Los Angeles Police Federal Credit Union | Van Nuys, CA | 2.88% | 7.50% | $487M | $1.4B |
| 47 | University Credit Union | Los Angeles, CA | 2.88% | 7.25% | $600M | $1.2B |
| 48 | Brightstar Credit Union | Fort Lauderdale, FL | 2.88% | 6.75% | $258M | $1.1B |
| 49 | Lokahi Federal Credit Union | Honolulu, HI | 2.88% | 7.03% | $282M | $702M |
| 50 | United Financial Credit Union | Saginaw, MI | 2.88% | 6.50% | $110M | $360M |
| 51 | Four Points Federal Credit Union | Omaha, NE | 2.88% | 6.25% | $74.1M | $165M |
| 52 | San Diego Firefighters Federal Credit Union | San Diego, CA | 2.88% | 8.25% | $41.5M | $153M |
| 53 | Kahului Federal Credit Union | Kahului, HI | 2.88% | 6.00% | $20.2M | $78.8M |
| 54 | Escondido Federal Credit Union | Escondido, CA | 2.88% | 6.85% | $6.3M | $66.8M |
| 55 | Brookline Municipal Credit Union | Brookline, MA | 2.88% | 6.25% | $10.8M | $51.0M |
| 56 | Transport Credit Union | Tampa, FL | 2.88% | 7.25% | $9.7M | $35.8M |
| 57 | Sun Pacific Federal Credit Union | Richmond, CA | 2.88% | 9.75% | $4.6M | $29.9M |
| 58 | Mazuma Credit Union | Overland Park, KS | 2.90% | 7.00% | $289M | $1.1B |
| 59 | Geovista Federal Credit Union | Hinesville, GA | 2.90% | 7.25% | $22.9M | $247M |
| 60 | Wyrope Williamsport Federal Credit Union | S Williamsport, PA | 2.90% | 5.12% | $1.5M | $43.8M |
| 61 | Department of Commerce Federal Credit Union | Washington, DC | 2.92% | 7.52% | $447M | $739M |
| 62 | Postal Employees Credit Union | Yardville, NJ | 2.94% | 6.99% | $5.2M | $35.7M |
| 63 | TVA Community Credit Union | Muscle Shoals, AL | 2.95% | 7.50% | $80.4M | $429M |
| 64 | Black Hills Federal Credit Union | Rapid City, SD | 2.99% | 6.25% | $712M | $2.4B |
| 65 | National Police Federal Credit Union | Chicago, IL | 2.99% | 7.25% | $129M | $621M |
| 66 | Blue Eagle Credit Union | Roanoke, VA | 2.99% | 6.25% | $94.2M | $281M |
| 67 | Blair County Federal Credit Union | Altoona, PA | 2.99% | 6.74% | $4.9M | $78.0M |
| 68 | University Federal Credit Union | Austin, TX | 3.00% | 3.00% | $1.2B | $4.3B |
| 69 | Honda Federal Credit Union | Torrance, CA | 3.00% | 6.50% | $565M | $1.2B |
| 70 | Vermont Federal Credit Union | So Burlington, VT | 3.00% | 6.25% | $535M | $1.1B |
| 71 | McCoy Federal Credit Union | Orlando, FL | 3.00% | 4.00% | $133M | $1.0B |
| 72 | SkyOne Federal Credit Union | Hawthorne, CA | 3.00% | 7.49% | $223M | $863M |
| 73 | Liberty Bay Credit Union | Braintree, MA | 3.00% | 6.75% | $454M | $827M |
| 74 | Bayer Heritage Federal Credit Union | New Martinsville, WV | 3.00% | 8.00% | $222M | $801M |
| 75 | Inova Federal Credit Union | Elkhart, IN | 3.00% | 6.75% | $252M | $643M |
| 76 | Sag-Aftra Federal Credit Union | Burbank, CA | 3.00% | 7.00% | $87.4M | $336M |
| 77 | Voyage Federal Credit Union | Sioux Falls, SD | 3.00% | 6.75% | $71.1M | $285M |
| 78 | Long Beach City Employees Federal Credit Union | Signal Hill, CA | 3.00% | 7.25% | $93.1M | $271M |
| 79 | North Jersey Federal Credit Union | Totowa, NJ | 3.00% | 6.75% | $96.7M | $256M |
| 80 | Broward Healthcare Federal Credit Union | Fort Lauderdale, FL | 3.00% | 6.75% | $20.5M | $134M |
| 81 | Luso-American Credit Union | Peabody, MA | 3.00% | 6.00% | $48.9M | $123M |
| 82 | A.a.e.c. Credit Union | Arlington Heights, IL | 3.00% | 6.50% | $35.8M | $119M |
| 83 | Bay Atlantic Federal Credit Union | Vineland, NJ | 3.00% | 6.99% | $11.8M | $97.1M |
| 84 | Traverse Catholic Federal Credit Union | Traverse City, MI | 3.00% | 6.75% | $20.4M | $92.2M |
| 85 | Modesto's First Federal Credit Union | Modesto, CA | 3.00% | 7.00% | $24.9M | $74.2M |
| 86 | Destinations Credit Union | Baltimore, MD | 3.00% | 7.25% | $12.4M | $65.4M |
| 87 | Rimrock Credit Union | Billings, MT | 3.00% | 7.00% | $1.3M | $64.0M |
| 88 | Lincoln Park Community Credit Union | Lincoln Park, MI | 3.00% | 7.00% | $3.9M | $63.4M |
| 89 | Miami Federal Credit Union | Miami, FL | 3.00% | 6.24% | $21.3M | $45.2M |
| 90 | River Community Credit Union | Ottumwa, IA | 3.00% | 7.25% | $3.3M | $30.4M |
| 91 | Promedica Federal Credit Union | Toledo, OH | 3.02% | 7.15% | $3.6M | $60.2M |
| 92 | F R B Federal Credit Union | Washington, DC | 3.03% | 6.90% | $64.5M | $123M |
| 93 | New Jersey Law and Public Safety Credit Union | Trenton, NJ | 3.05% | 6.02% | $18.7M | $63.9M |
| 94 | L. A. Electrical Workers Credit Un. Credit Union | Pasadena, CA | 3.05% | 6.75% | $2.6M | $54.8M |
| 95 | Rolling F Credit Union | Turlock, CA | 3.09% | 6.45% | $14.5M | $63.9M |
| 96 | United Equity Credit Union | Decatur, IL | 3.10% | 9.35% | $11.2M | $66.2M |
| 97 | Valley One Community Federal Credit Union | Steubenville, OH | 3.10% | 5.64% | $4.7M | $42.2M |
| 98 | Cusa Federal Credit Union | Covington, LA | 3.10% | 9.50% | $8.9M | $30.6M |
| 99 | Healthcare Systems Federal Credit Union | Falls Church, VA | 3.11% | 6.45% | $23.7M | $135M |
| 100 | Grow Financial Federal Credit Union | Tampa, FL | 3.12% | 6.75% | $1.0B | $3.9B |
Source: NCUA 5300 Call Report quarterly data, Q2 2026. First mortgage rate: Interest rate reported for 1-4 family first-lien loans and lines. Not affiliated with NCUA or any credit union. Open this list in the screener · Compare credit unions
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