Credit Union Mortgage Rates in Luzerne County, PA

Credit unions serving Luzerne County

County-, city- and ZIP-chartered credit unions. Rates shown are 30-year fixed.

Open to anyone in Luzerne County

Credit union	30-yr fixed	APR	Points	We read	Source
NEW CUMBERLANDJoin through family of a member	7.25%	7.553%	2.13	Oct 7, 2026	Source
WHITE ROSE	7.25%	7.553%	2.13	Oct 7, 2026	Source
HERITAGE VALLEYJoin through family of a member	7.25%	7.558%	2.13	Oct 7, 2026	Source
AMERICHOICEJoin through military service	7.375%	7.571%	0.00	Oct 7, 2026	Source
LEBANONJoin through family of a member	8%	8.114%	0.00	Oct 7, 2026	Source
BELCO COMMUNITY CREDIT UNIONJoin through family of a member	8%	8.198%	—	Oct 7, 2026	Source

Open in parts of Luzerne County

Credit union	30-yr fixed	APR	Points	We read	Source
SUN EASTServes OxfordJoin through select employee groups and family of a member	7%	7.074%	0.00	Oct 7, 2026	Source

Credit unions serving all of Pennsylvania — often the lowest rates

The five lowest 30-year fixed APRs. Lenders that publish a rate but no APR are listed after them and are not ranked against APRs.

Credit union	30-yr fixed	APR	We read	Source
HILL DISTRICTJoin through family of a member and select employee groups	5.75%	5.889%	Oct 7, 2026	Source
FIRST FINANCIAL OF MARYLANDJoin through employer groups, association membership and family of a member	6.375%	6.463%	Oct 7, 2026Lender's sheet dated Oct 6, 2026	Source
PEOPLE'S ALLIANCEJoin through family of a member, select employee groups and other paths	6.875%	6.93%	Oct 7, 2026Lender's sheet dated Sep 24, 2026	Source
GARDEN SAVINGSJoin through family of a member, select employee groups and association membership	6.875%	6.931%	Oct 7, 2026	Source
COMMONWEALTH ONEJoin through select employee groups and family of a member	6.875%	6.975%	Oct 7, 2026	Source

47 more lenders serve all of Pennsylvania — see the full Pennsylvania list

These credit unions are based in this state but limit membership to employer groups, associations, military service or family of existing members.

Credit union	30-yr fixed	APR	Points	We read	Source
RIVERFRONTJoin through family of a member	—Lender publishes APR only	5.97%	—	Oct 7, 2026	Source
MERCER COUNTY COMMUNITYJoin through family of a member	5.99%	6.066%	0.00	Oct 7, 2026	Source
GUTHRIE COMMUNITYJoin through family of a member	6.875%	7.04%	—	Oct 7, 2026	Source
CROSS VALLEYJoin through select employee groups, association membership, military service, employer groups, family of a member and other paths	6.75%	7.043%	1.88	Oct 7, 2026	Source
ARCJoin through association membership, select employee groups and family of a member	7.2%	7.281%	0.00	Oct 7, 2026	Source
AMERICAN HERITAGEJoin through other paths, family of a member and select employee groups	7.304%	7.374%	—	Oct 7, 2026	Source
NETJoin through select employee groups, other paths and family of a member	—Lender publishes APR only	7.375%	—	Oct 7, 2026Lender's sheet dated Oct 6, 2026	Source
MERCK SHARP & DOHMEJoin through family of a member and select employee groups	7.375%	7.441%	0.00	Oct 7, 2026	Source
PENN STATEJoin through employer groups, association membership, select employee groups and family of a member	7.375%	7.443%	—	Oct 7, 2026	Source
PENLANCOJoin through employer groups, association membership, family of a member and select employee groups	7.25%	7.51%	1.88	Oct 7, 2026	Source
DIAMOND	7.375%	7.512%	—	Oct 7, 2026	Source
SPIRIT FINANCIALJoin through family of a member and employer groups	7.25%	7.526%	1.88	Oct 7, 2026	Source
CLEARVIEWJoin through family of a member	7.375%	7.532%	—	Oct 7, 2026	Source
MORRISONS COVE 1STJoin through select employee groups and family of a member	7.25%	7.537%	2.13	Oct 7, 2026	Source
PALCO FCU	7.25%	7.537%	2.13	Oct 7, 2026	Source
WYROPE WILLIAMSPORTJoin through family of a member	7.25%	7.537%	2.13	Oct 7, 2026	Source
YORK EDUCATIONALJoin through employer groups	7.25%	7.537%	2.13	Oct 7, 2026	Source
INGERSOLL-RANDJoin through employer groups, association membership, select employee groups and family of a member	7.375%	7.545%	0.00	Oct 7, 2026	Source
FREEDOM	7.5%	7.546%	0.00	Oct 7, 2026Lender's sheet dated Oct 6, 2026	Source
1ST ED CREDIT UNIONJoin through select employee groups, employer groups, association membership and family of a member	7.25%	7.553%	2.13	Oct 7, 2026	Source
ACCESSJoin through family of a member	7.25%	7.553%	2.13	Oct 7, 2026	Source
BETHLEHEM 1STJoin through employer groups, association membership and other paths	7.25%	7.553%	2.13	Oct 7, 2026	Source
CHOICE ONE COMMUNITY	7.25%	7.553%	2.13	Oct 7, 2026	Source
CHROMEJoin through family of a member	7.25%	7.553%	2.13	Oct 7, 2026	Source
COMMUNITY CONNECTJoin through family of a member and employer groups	7.25%	7.553%	2.13	Oct 7, 2026	Source
CORNER POSTJoin through select employee groups and family of a member	7.25%	7.553%	2.13	Oct 7, 2026	Source
FIRST AREAJoin through family of a member	7.25%	7.553%	2.13	Oct 7, 2026	Source
FORGEJoin through select employee groups, employer groups and family of a member	7.25%	7.553%	2.13	Oct 7, 2026	Source
GLATCOJoin through employer groups, association membership and family of a member	7.25%	7.553%	2.13	Oct 7, 2026	Source
GNC COMMUNITY	7.25%	7.553%	2.13	Oct 7, 2026	Source
HIDDEN RIVERJoin through family of a member	7.25%	7.553%	2.13	Oct 7, 2026	Source
PENN EASTJoin through family of a member	7.25%	7.553%	2.13	Oct 7, 2026	Source
PPG & ASSOCIATESJoin through family of a member	7.25%	7.553%	2.13	Oct 7, 2026	Source
SERVICE 1STJoin through select employee groups and family of a member	7.25%	7.553%	2.13	Oct 7, 2026	Source
SUPERIOR CREDIT UNION	7.25%	7.553%	2.13	Oct 7, 2026	Source
TIMBERLANDJoin through select employee groups and family of a member	7.25%	7.553%	2.13	Oct 7, 2026	Source
UFCW COMMUNITYJoin through family of a member	7.25%	7.553%	2.13	Oct 7, 2026	Source
VISIONARYJoin through family of a member	7.25%	7.553%	2.13	Oct 7, 2026	Source
WESTMORELAND WATERJoin through employer groups, association membership and family of a member	7.25%	7.553%	2.13	Oct 7, 2026	Source
WHEATLANDJoin through family of a member	7.25%	7.553%	2.13	Oct 7, 2026	Source
G.A.P.Join through select employee groups, military service, employer groups, association membership and family of a member	7.25%	7.566%	2.13	Oct 7, 2026	Source
LANCASTER RED ROSEJoin through family of a member and select employee groups	7.25%	7.566%	2.13	Oct 7, 2026	Source
KINZUA	7.25%	7.568%	2.13	Oct 7, 2026	Source
PHEPLEJoin through family of a member	7.25%	7.568%	2.13	Oct 7, 2026	Source
FIRST COMMONWEALTHJoin through select employee groups, family of a member and association membership	7.375%	7.578%	0.00	Oct 7, 2026Lender's sheet dated Oct 1, 2026	Source
ARIZEJoin through employer groups, family of a member and association membership	7.25%	7.579%	2.13	Oct 7, 2026	Source
FIRST CAPITALJoin through employer groups, family of a member and association membership	7.25%	7.579%	2.13	Oct 7, 2026	Source
WIDGETJoin through family of a member	7.375%	7.582%	0.25	Oct 7, 2026	Source
ERIEJoin through family of a member	7.5%	7.588%	0.00	Oct 7, 2026	Source
CORRYJoin through family of a member and employer groups	7.25%	7.606%	2.13	Oct 7, 2026	Source
PROPELLJoin through employer groups and family of a member	7.375%	7.61%	0.00	Oct 7, 2026	Source
PHILADELPHIAJoin through employer groups, select employee groups and family of a member	7.625%	7.637%	0.00	Oct 7, 2026	Source
ALCOSEJoin through employer groups, association membership and family of a member	7.5%	7.663%	0.00	Oct 7, 2026	Source
BLACKHAWKJoin through employer groups and family of a member	7.5%	7.663%	0.00	Oct 7, 2026	Source
FRANKLIN JOHNSTOWNJoin through employer groups, association membership and family of a member	7.5%	7.663%	0.00	Oct 7, 2026	Source
GALAXYJoin through family of a member	7.5%	7.663%	0.00	Oct 7, 2026	Source
MOUNTAIN LAUREL	7.5%	7.663%	0.00	Oct 7, 2026	Source
NEW CASTLE BELLCOJoin through employer groups and family of a member	7.5%	7.663%	0.00	Oct 7, 2026	Source
NORTH EAST WELCHJoin through employer groups and other paths	7.5%	7.663%	0.00	Oct 7, 2026	Source
OMEGAJoin through select employee groups and family of a member	7.5%	7.663%	0.00	Oct 7, 2026	Source
SAINT VINCENT ERIEJoin through employer groups, association membership, family of a member and select employee groups	7.5%	7.663%	0.00	Oct 7, 2026	Source
SCA	7.5%	7.663%	0.00	Oct 7, 2026	Source
STEEL STRONG COMMUNITYJoin through family of a member	7.5%	7.663%	0.00	Oct 7, 2026	Source
WABELLCOJoin through select employee groups, employer groups, association membership and family of a member	7.5%	7.663%	0.00	Oct 7, 2026	Source
CENTURY HERITAGEJoin through family of a member	7.625%	7.73%	—	Oct 7, 2026	Source
USXJoin through select employee groups and family of a member	7.625%	7.8%	0.00	Oct 7, 2026	Source
MCJoin through employer groups, select employee groups and family of a member	7.75%	7.847%	0.00	Oct 7, 2026	Source
A & SJoin through other paths	7.875%	7.875%	—	Oct 7, 2026	Source
3HILLJoin through family of a member	7.875%	7.95%	0.00	Oct 7, 2026	Source
LEHIGH VALLEY EDUCATORSJoin through select employee groups, family of a member and association membership	7.875%	7.95%	0.00	Oct 7, 2026	Source
NORTHWOODJoin through family of a member, association membership and other paths	7.875%	7.95%	0.00	Oct 7, 2026	Source
WEST-AIRCOMMJoin through family of a member and select employee groups	7.875%	7.957%	—	Oct 7, 2026	Source
These lenders publish a rate but no APR — not comparable with the APRs above
CACL	6.75%	—Lender publishes rate only	—	Oct 7, 2026	Source

Also lending in Pennsylvania

Public mortgage records (HMDA) show these credit unions made at least three home loans in Pennsylvania, but they're based elsewhere and their membership rules may not fit you. Lenders with fewer than 10 loans on record are listed last. Check how to join before applying.

Credit union	30-yr fixed	APR	Points	We read	Source
SELF RELIANCE NYLends in Pennsylvania — membership requirements may not fit youHow to join: Membership is primarily available to members of the Selfreliance Association of American Ukrainians and several other Ukrainian religious, cultural, and fraternal organizations. Eligibility also extends to employees and students of Manor College and Saint Basil Academy, members of specific Ukrainian	6.25%	6.303%	0.00	Oct 7, 2026Lender's sheet dated Oct 1, 2026	Source
CHESSIELends in Pennsylvania — membership requirements may not fit youHow to join: You can join Chessie Federal Credit Union if you live, work, worship, or attend school in Allegany or Garrett counties in Maryland, the western portion of Washington County, MD, or Mineral or Taylor counties in West Virginia. Membership is also open to employees of many local businesses and their fa	—Lender publishes APR only	6.5%	—	Oct 7, 2026Lender's sheet dated Oct 1, 2026	Source
AMERICAN AIRLINESLends in Pennsylvania — membership requirements may not fit youHow to join: Membership is open to employees and retirees of American Airlines and its subsidiaries, as well as anyone working in the air transportation industry, including TSA/FAA employees, airport support staff, and aviation students. Immediate family and household members of eligible individuals are also inv	6.875%	6.99%	0.00	Oct 7, 2026Lender's sheet dated Oct 5, 2026	Source
POINT BREEZELends in Pennsylvania — membership requirements may not fit youHow to join: Membership at Point Breeze Credit Union is available to individuals through a family connection to existing members. Once joined, membership is a lifetime benefit even if your local status changes.	7%	7.094%	0.00	Oct 7, 2026	Source
MUNICIPALLends in Pennsylvania — membership requirements may not fit youHow to join: Membership in Municipal Credit Union is open to people who live, work, worship, or attend school in New York City (NYC).	7.125%	7.143%	0.00	Oct 7, 2026	Source
GEORGIA'S OWNLends in Pennsylvania — membership requirements may not fit youHow to join: Membership in Georgia's Own Credit Union is open to those who live or work in 77 specified counties across Georgia, including Appling, Atkinson, Bacon, Baker, Barrow, Bartow, and Ben Hill. Individuals can also join through membership with the Credit Union Impact Foundation, or by current or past aff	7.125%	7.2%	—	Oct 7, 2026	Source
BANK FUND STAFFLends in Pennsylvania — membership requirements may not fit youHow to join: Membership is open to employees, contractors, interns, and retirees of the World Bank Group and the International Monetary Fund. Family members and individuals living in the same household as a member or eligible employee are also invited to join.	7%	7.349%	2.58	Oct 7, 2026	Source
STATE DEPARTMENTLends in Pennsylvania — membership requirements may not fit youHow to join: State Department Federal Credit Union is open to employees of the U.S. State Department and over 250 other partner organizations, as well as anyone nationwide who joins the American Consumer Council.	7.375%	7.375%	0.00	Oct 7, 2026	Source
CREDIT UNION OF NEW JERSEYLends in Pennsylvania — membership requirements may not fit youHow to join: Membership is open to employees of the State of New Jersey and Educational Testing Service. Eligibility also extends to those who live, work, worship, or attend school in Ewing, NJ, or if their employer belongs to a participating Chamber of Commerce. Individuals are also eligible if they live in a P	7.25%	7.444%	0.00	Oct 7, 2026	Source
BAXTERLends in Pennsylvania — membership requirements may not fit youHow to join: Membership at BAXTER (BCU) is open to employees of listed partner companies and organizations, including Allina, American Dental Association, Baxter Healthcare, CDW, CVS Health, Deloitte and Touche, GEICO, HCA Healthcare, Target, and Verizon California. Individuals living or working in Cook (north o	7.25%	7.448%	0.88	Oct 7, 2026Lender's sheet dated Oct 6, 2026	Source
HUDSON VALLEYLends in Pennsylvania — membership requirements may not fit youHow to join: Hudson Valley Credit Union is open to anyone who lives, works, worships, attends school, or volunteers in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Ulster, or Westchester Counties in New York.	7.625%	7.682%	0.00	Oct 7, 2026	Source
BOEING EMPLOYEESLends in Pennsylvania — membership requirements may not fit youHow to join: BECU is open to everyone who lives or works in Washington state, as well as employees of the Boeing Company and their family members.	—Lender publishes APR only	7.685%	—	Oct 7, 2026	Source
POLISH & SLAVICLends in Pennsylvania — membership requirements may not fit youHow to join: Membership is open to members of eleven sponsoring Polish-American organizations located in New York, New Jersey, Illinois, and Pennsylvania, such as the Polish & Slavic Center or the Kosciuszko Foundation.	7.75%	7.75%	0.00	Oct 7, 2026	Source
ABERDEEN PROVING GROUNDLends in Pennsylvania — membership requirements may not fit youHow to join: Membership is open to individuals who live, work, worship, attend school, or volunteer in Harford, Cecil, or Baltimore Counties, as well as Baltimore City. Immediate family and household members of eligible individuals are also welcome to join.	7.625%	7.776%	0.25	Oct 7, 2026	Source
UNITED NATIONSLends in Pennsylvania — membership requirements may not fit youHow to join: Membership is available to employees, retirees, and consultants of the United Nations and its affiliated agencies, as well as students of the UN International School and members of the United Nations Association of the USA (UNA-USA). Family and household members of existing UNFCU members are also el	7.875%	7.911%	0.00	Oct 7, 2026	Source
NAVY FEDERAL CREDIT UNIONLends in Pennsylvania — membership requirements may not fit youHow to join: Membership in Navy Federal Credit Union is open to active duty, retired, and veteran members of the Army, Marine Corps, Navy, Air Force, Coast Guard, National Guard, and Space Force. Department of Defense (DoD) civilians, including employees, contractors, retirees, and annuitants, are also eligible.	7.75%	8.096%	0.50	Oct 7, 2026	Source
SECURITYPLUSLends in Pennsylvania — membership requirements may not fit youHow to join: Membership is open to employees of the Social Security Administration, the Centers for Medicare & Medicaid Services, and their family members. Residents and workers in the Baltimore, MD area may also be eligible through various community and employer affiliations.Low confidence — only 8 Pennsylvania mortgages on public records (2025)	6.25%	6.51%	0.00	Oct 7, 2026	Source
PICATINNYLends in Pennsylvania — membership requirements may not fit youHow to join: Anyone who lives, works, worships, or attends school in Morris, Somerset, Union, or Essex counties in New Jersey is eligible to join, as are their family members.Low confidence — only 7 Pennsylvania mortgages on public records (2025)	6.5%	6.647%	0.00	Oct 7, 2026	Source
SIDNEYLends in Pennsylvania — membership requirements may not fit youHow to join: Sidney Federal Credit Union serves residents and workers in 11 New York counties and 18 specific towns across Broome, Oneida, and Herkimer counties. Membership is also open to employees of the credit union and immediate family or household members of current members.Low confidence — only 7 Pennsylvania mortgages on public records (2025)	7%	7.04%	—	Oct 7, 2026	Source
EDUCATIONAL SYSTEMSLends in Pennsylvania — membership requirements may not fit youHow to join: EDUCATIONAL SYSTEMS (MD) serves the education community including teachers, administrators, support staff, parents, and students. Membership is open to those in eight school systems and three community colleges throughout Anne Arundel, Calvert, Caroline, Charles, Montgomery, Prince George's, St. MarLow confidence — only 4 Pennsylvania mortgages on public records (2025)	7%	7.064%	0.00	Oct 7, 2026	Source
JOHNS HOPKINSLends in Pennsylvania — membership requirements may not fit youHow to join: Membership is primarily available to employees, students, and alumni of Johns Hopkins University, Health System, and their affiliates. You may also join if you reside in Census Tract 2605.01 in Baltimore, or if you are an immediate family member of an current member.Low confidence — only 5 Pennsylvania mortgages on public records (2025)	7.125%	7.251%	0.00	Oct 7, 2026	Source
WRIGHT PATMAN CONGRESSIONALLends in Pennsylvania — membership requirements may not fit youHow to join: Membership is open to employees of the United States House of Representatives, the Congressional Budget Office, and hundreds of other participating Select Employee Groups. Immediate family and household members of existing credit union members are also eligible to join.Low confidence — only 8 Pennsylvania mortgages on public records (2025)	7.125%	7.263%	0.00	Oct 7, 2026	Source
SIGNATURELends in Pennsylvania — membership requirements may not fit youHow to join: Membership in Signature Federal Credit Union is open to immediate family members and household members of existing members. Eligibility also extends to employees of the United States Postal Service whose job title is Postmaster, Postmaster Relief (PMR), Supervisor, or Officer in Charge (OIC), and meLow confidence — only 9 Pennsylvania mortgages on public records (2025)	7.25%	7.351%	0.00	Oct 7, 2026	Source
EASTMANLends in Pennsylvania — membership requirements may not fit youHow to join: Membership is available to those who live, work, worship, or attend school in specific communities in parts of Tennessee, Virginia, and Texas. Eligibility also extends to employees of sponsor companies and their immediate family members, as well as healthcare workers in Smyth and Tazewell Counties, Low confidence — only 3 Pennsylvania mortgages on public records (2025)	7.125%	7.403%	1.00	Oct 7, 2026	Source
WINGS FINANCIALLends in Pennsylvania — membership requirements may not fit youHow to join: Membership is open to individuals and their immediate family members who live or work in eligible MN, WI, or CO counties; the Seattle-Tacoma, WA metro area; the Detroit, MI metro area; the Orlando, FL metro area; or the Atlanta, GA metro area. Eligibility also extends nationwide to employees of airlLow confidence — only 4 Pennsylvania mortgages on public records (2025)	7.375%	7.502%	1.00	Oct 7, 2026	Source
APLLends in Pennsylvania — membership requirements may not fit youHow to join: APL Federal Credit Union is open to anyone who lives, works, attends school, or regularly conducts business in Howard County, Maryland. Immediate family members of current members are also eligible to join.Low confidence — only 6 Pennsylvania mortgages on public records (2025)	7.375%	7.546%	—	Oct 7, 2026	Source
MERCK EMPLOYEESLends in Pennsylvania — membership requirements may not fit youHow to join: Membership is open to employees of Merck & Co. and Organon, as well as contractors with a strong business relationship to Merck. Family members of current credit union members are also eligible to join.Low confidence — only 8 Pennsylvania mortgages on public records (2025)	7.25%	7.566%	2.13	Oct 7, 2026	Source
PROPONENTLends in Pennsylvania — membership requirements may not fit youHow to join: Membership is open to employees and associates of Select Employer Groups (SEGs) near Nutley, NJ, and Burlington, NC. Immediate family members and individuals living in the same household as a member are also eligible to join.Low confidence — only 7 Pennsylvania mortgages on public records (2025)	7.375%	7.574%	0.00	Oct 7, 2026Lender's sheet dated Oct 6, 2026	Source
CITIZENS EQUITY FIRSTLends in Pennsylvania — membership requirements may not fit youHow to join: CEFCU membership is available to residents and workers in 32 central Illinois counties and 3 California counties. Employees of Caterpillar Inc., members of the ISU Alumni Association, and those with a qualifying family or household member can also join.Low confidence — only 3 Pennsylvania mortgages on public records (2025)	7.5%	7.605%	0.00	Oct 7, 2026	Source
MICHIGAN STATE UNIVERSITYLends in Pennsylvania — membership requirements may not fit youHow to join: Membership is open to Michigan State University students, faculty, staff, and alumni, as well as their immediate family members. Individuals participating in specific community programs like Lansing SAVE are also eligible to join.Low confidence — only 3 Pennsylvania mortgages on public records (2025)	7.5%	7.609%	0.00	Oct 7, 2026Lender's sheet dated Oct 2, 2026	Source
NORTHROP GRUMMANLends in Pennsylvania — membership requirements may not fit youHow to join: Membership is open to employees and retirees of Northrop Grumman, LA Metro, and Metrolink, as well as members of the Southern California Historical Aviation Foundation. Immediate family members of current credit union members are also eligible to join.Low confidence — only 3 Pennsylvania mortgages on public records (2025)	7.625%	7.738%	0.00	Oct 7, 2026	Source
FIRST ATLANTICLends in Pennsylvania — membership requirements may not fit youHow to join: Membership is open to anyone who lives, works, worships, or attends school in Monmouth, Ocean, or Middlesex County, New Jersey. Immediate family members of current credit union members are also eligible to join.Low confidence — only 4 Pennsylvania mortgages on public records (2025)	7.75%	7.993%	0.00	Oct 7, 2026	Source

Nearby Pennsylvania counties

Carbon County Columbia County Lackawanna County Monroe County Schuylkill County Sullivan County Wyoming County All Pennsylvania credit union rates →

Credit Union Mortgage Rates in Luzerne County, Pennsylvania