Today's rate snapshot
Click a card to switch the table below to that loan type.
How rates trended in Alaska
Daily average across every credit union lending in AK, past 90 days. Dashed line is the national FRED benchmark, plotted on the date FRED assigns each reading (it is published about a day later).
Mortgage rates in Alaska
Credit unions lending in Alaska
Credit Union 1 membership is open to anyone who lives or works in the state of Alaska with a minimum $5 initial deposit.
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.
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.
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.
NASA Federal Credit Union is open to anyone in the U.S. through a complimentary one-year membership to the National Space Society. It also serves employees and retirees of NASA and the National Academy of Sciences, as well as over 900 partner companies.
Membership is open to the entire Stanford community, including faculty, staff, students, volunteers, and alumni of Stanford University, as well as employees of Stanford Health Care and SLAC National Accelerator Laboratory. Membership also extends to employees of specific companies such as Google, Facebook-Meta, Tesla, Genentech, SAP, NVIDIA, Amazon, Oracle, and Visa. Stanford Federal Credit Union
FourLeaf Federal Credit Union offers open membership to anyone in the United States. You can join by opening a $5 savings account with a valid Social Security Number and government-issued ID.
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.
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.
Membership is open to anyone nationwide who joins Special Olympics Michigan with a $5 donation. Additionally, individuals who live, work, or worship in Michigan or select counties in Indiana are also eligible to join.
See which of these credit unions you can join
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Common questions
Twice a week — every Monday and Thursday. We re-read the publicly posted rate pages from every credit union that lends in Alaskastarting around 11 a.m. Central.
Yes — credit unions require membership before closing. Most let you open a share account and apply for a mortgage on the same day.
We display both when the credit union publishes them. See our APR vs. interest rate vs. points guide.
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.
How do credit union mortgage rates in Alaska compare to bank rates?
We don't publish bank rates, so the fairest comparison available is the national average across all lenders. Freddie Mac's weekly PMMS average puts the 30-year fixed rate at 7.24% as of October 29, 2026.
Of the 21 credit unions listed here lending in Alaska with a 30-year fixed mortgage, 8 advertise an interest rate with no points, no buydown and no 1%-down restriction. Among those 8, the median rate is 7.125% and the lowest is 6.875%, at NASA. 7 of the 8 are below the national average.
We narrow the set because a rate bought down with points is not comparable to one without points.
One caveat in our favour and one against. Freddie Mac's average includes credit unions alongside banks, so it is a blended figure — if credit union rates sit below the blend, they sit further below a bank-only average. Against: since November 17, 2022, PMMS has used actual mortgage loan applications rather than a lender survey. Our figures are advertised rates, typically a lender's best tier, not application rates. Freddie Mac also stopped publishing average points then, so we can't confirm its point structure, while every rate in our comparison set is a zero-point rate. Freddie Mac's methodology.
More on reading these numbers: APR vs. interest rate vs. points and how we collect rates.