Alaska · AK

    Best Credit Union Mortgage Rates in AlaskaJanuary 1970

    The lowest publicly advertised 30-year fixed rate from a credit union lending in Alaska today is 6.25% — the national average is 6.88%. That's about $59,826 saved over the life of a $400,000, 30-year loan. Rates updated daily. Use the ZIP tool to see which credit unions you can actually join.

    Last updated: Sep 11, 2026

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

    Today's rate snapshot

    Click a card to switch the table below to that loan type.

    30 Year Fixed
    Showing
    6.25%
    lowest of 21
    Median 6.75% · National 6.88%(-63 bps)
    $59,826 saved vs. national on a $400,000, 30-yr loan
    15 Year Fixed
    5.625%
    lowest of 21
    Median 6.25% · National 6.292%(-67 bps)
    $61,625 saved vs. national on a $400,000, 30-yr loan
    5 Year ARM
    5.5%
    lowest of 14
    Median 6% · National 6.88%(-138 bps)
    $128,842 saved vs. national on a $400,000, 30-yr loan
    FHA 30 Year Fixed
    6.125%
    lowest of 9
    Median 6.25% · National 6.668%(-54 bps)
    $51,187 saved vs. national on a $400,000, 30-yr loan
    VA 30 Year Fixed
    6.125%
    lowest of 7
    Median 6.5% · National 6.461%(-34 bps)
    $31,529 saved vs. national on a $400,000, 30-yr loan

    How rates trended in Alaska

    Daily average across every credit union lending in AK, past 90 days. Dashed line is the national FRED benchmark.

    30 Year Fixed
    AK average vs. national
    Collecting data — the trend chart appears after a few days of tracking.
    15 Year Fixed
    AK average vs. national
    Collecting data — the trend chart appears after a few days of tracking.
    5 Year ARM
    AK average vs. national
    Collecting data — the trend chart appears after a few days of tracking.
    FHA 30 Year Fixed
    AK average vs. national
    Collecting data — the trend chart appears after a few days of tracking.

    30 Year Fixed rates in Alaska

    As of Sep 10, 2026
    6.25%
    APR 6.497%
    pts
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    As of Sep 11, 2026
    6.25%
    APR 6.948%
    0.00 pts
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    As of Sep 11, 2026
    6.375%
    APR 6.472%
    1.01 pts
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    As of Sep 11, 2026
    6.5%
    APR 6.588%
    0.75 pts
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    As of Sep 10, 2026
    6.5%
    APR 6.689%
    1.13 pts
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    As of Sep 8, 2026
    6.5%
    APR 6.765%
    1.00 pts
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    As of Sep 8, 2026
    6.625%
    APR 6.719%
    0.00 pts
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    6.625%
    APR 6.674%
    0.50 pts
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    As of Sep 11, 2026
    6.75%
    APR 6.914%
    0.00 pts
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    As of Sep 11, 2026
    6.75%
    APR 6.845%
    0.63 pts
    Visit lender
    As of Sep 11, 2026
    6.75%
    APR 6.916%
    0.00 pts
    Visit lender
    As of Sep 11, 2026
    6.75%
    APR 6.888%
    0.75 pts
    Visit lender
    As of Sep 11, 2026
    6.75%
    APR 6.914%
    0.00 pts
    Visit lender
    As of Sep 11, 2026
    6.75%
    APR 6.888%
    0.75 pts
    Visit lender
    As of Sep 11, 2026
    6.875%
    APR 6.955%
    0.38 pts
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    As of Sep 11, 2026
    6.875%
    APR 6.961%
    0.25 pts
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    As of Sep 11, 2026
    6.875%
    APR 6.949%
    0.00 pts
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    As of Sep 11, 2026
    6.875%
    APR 6.969%
    pts
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    As of Sep 10, 2026
    7%
    APR 7.059%
    0.00 pts
    Visit lender
    As of Sep 11, 2026
    7%
    APR 7.03%
    pts
    Visit lender
    Showing 20 of 21 credit unions

    Credit unions lending in Alaska

    Affinity Federal Credit Union is open to anyone nationwide who makes a one-time $5 donation to the Affinity Foundation or joins a qualifying association. Employees of over 2,000 partner businesses and family members of current members are also eligible to join.

    30 Year Fixed
    6.25%
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    Transportation Federal Credit Union is open to employees of the Department of Transportation and various transportation-related agencies. Anyone else in the U.S. can become eligible by joining the American Consumer Council (ACC).

    30 Year Fixed
    6.25%
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    MIT Federal Credit Union is open to the MIT community, including students, employees, and alumni, as well as several partner organizations like Draper and Lincoln Labs. Anyone else in the U.S. can also qualify for membership by joining the American Consumer Council during the application process.

    30 Year Fixed
    6.375%
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    Northwest Federal Credit Union is open to employees of hundreds of partner businesses and federal agencies, including DHS and the CIA's intelligence partners. Anyone can also join by becoming a member of a partner community organization like the NWFCU Foundation.

    30 Year Fixed
    6.5%
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    Membership at Nuvision Credit Union is typically available to employees of select partner companies, their families, and individuals living or working in specific communities in California, Alaska, and other regions, though specific geographic details were not listed in the source provided.

    30 Year Fixed
    6.5%
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    Membership is open to anyone nationwide via a free membership in the American Consumer Council. It is also available to anyone who lives, works, worships, or attends school in Washington, DC, as well as employees of the Department of Commerce, NOAA, and the Executive Office of the President.

    30 Year Fixed
    6.5%
    Visit lender

    Membership is open to anyone nationwide who joins one of the credit union's nonprofit partner associations. Eligibility also extends to Chevron Corporation employees, retirees, and contractors, as well as those who live or work in select parts of San Francisco or Frederick County, Maryland.

    30 Year Fixed
    6.625%
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    Andrews Federal Credit Union is open to anyone nationwide by joining the American Consumer Council. It also serves those who live, work, or worship in Washington D.C., as well as military and civilian personnel at Joint Base Andrews, Joint Base McGuire-Dix-Lakehurst, and designated installations in Europe.

    30 Year Fixed
    6.625%
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    Membership is open to anyone nationwide by joining an affiliated association like the Carolinas Credit Union Foundation. You also qualify if you live, work, worship, or attend school in designated areas of Reidsville or Eden, NC, or work for one of over 100 sponsor employers.

    30 Year Fixed
    6.75%
    Visit lender

    NYU Federal Credit Union is open to anyone nationwide. Individuals can join through an affiliation with New York University or by receiving a free membership to the American Consumer Council provided by the credit union during signup.

    30 Year Fixed
    6.75%
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    Eligibility filter

    See which of these credit unions you can join

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    Common questions

    How often are these rates updated?

    Daily. We re-scrape the publicly posted rate pages from every credit union that lends in Alaska every morning.

    Do I need to join before applying?

    Yes — credit unions require membership before closing. Most let you open a share account and apply for a mortgage on the same day.

    Are these APRs or interest rates?

    We display both when the credit union publishes them. See our APR vs. interest rate vs. points guide.

    Why aren't the big banks listed?

    Most large banks don't publish mortgage rates online — they quote per applicant. Credit unions almost always post theirs publicly, which is why they dominate our comparison.