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    Credit union mortgage rates
    Home state: Minnesota
    Lends in 1 state

    IDEAL mortgage rates

    IDEAL's lowest publicly advertised 30-year fixed rate today is 7.123% APR — the national average is 7.147%. That's about $2,334 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read IDEAL's rates every weekday, starting around 11 a.m. Central.

    We last read IDEAL's rates page on Nov 2, 2026. IDEAL dates its published rate sheet Nov 2, 2026.

    Today's rates from IDEAL

    ProductRateAPRPointsWe readSource
    30 Year Fixed7%7.123%0Nov 2, 2026Visit
    15 Year Fixed6.5%6.704%0Nov 2, 2026Visit
    5 Year ARM5.75%6.627%0Nov 2, 2026Visit
    7 Year ARM6%6.625%0Nov 2, 2026Visit
    10 Year ARM6.5%6.957%0Nov 2, 2026Visit
    FHA 30 Year Fixed7.125%8.274%0Nov 2, 2026Visit
    VA 30 Year Fixed7.125%7.425%0Nov 2, 2026Visit
    30 Year Fixed Jumbo7.125%7.184%0Nov 2, 2026Visit
    15 Year Fixed Jumbo6.75%6.845%0Nov 2, 2026Visit
    Visit IDEAL's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join IDEAL

    Membership is open to individuals who live, work, worship, or attend school in the Minnesota counties of Anoka, Chisago, Dakota, Hennepin, Ramsey, and Washington, as well as their family members.

    County
    Anoka County, MN, Chisago County, MN, Dakota County, MN, Hennepin County, MN, Ramsey County, MN, Washington County, MN

    Where IDEAL writes mortgages

    IDEAL publishes mortgage lending in 1 state.

    Minnesota

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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