Today's rate snapshot
Click a card to switch the table below to that loan type.
How rates trended in Florida
Daily average across every credit union lending in FL, 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 Florida
Credit unions lending in Florida
Membership is available to anyone who lives, works, worships, or attends school in select counties in Alabama and Florida, as well as employees of member companies and relatives of current members.
Membership is available to individuals who live, work, worship, or attend school in Escambia County, Florida, as well as their immediate family members.
Membership is open to employees, students, and alumni of Florida A&M University, as well as members of several Tallahassee-area churches and the local NAACP branch. Relatives of eligible members are also welcome to join.
FAIRWINDS Credit Union offers nationwide membership to anyone in the United States, regardless of location, who values financial stability and freedom.
Membership is open to anyone who lives, works, worships, or attends school in 38 Florida counties: Alachua, Brevard, Broward, Charlotte, Citrus, Clay, Collier, DeSoto, Dixie, Duval, Gilchrist, Glades, Hardee, Hendry, Hernando, Highlands, Hillsborough, Indian River, Lake, Lee, Leon, Levy, Manatee, Marion, Martin, Miami-Dade, Monroe, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Sarasota, Semi
Membership is open to individuals who live, work, worship, or attend school in Escambia, Santa Rosa, or Okaloosa counties, as well as employees of local school districts and their immediate family members.
Membership eligibility for COMMONWEALTH ONE includes individuals who live, work, worship, go to school, or volunteer in specific areas: the City of Alexandria, VA (specific areas), Washington, D.C., City of Harrisonburg, VA, Warren County, VA, and Clarke County, VA. Membership is also open to employees of over 200 Sponsor Groups. Family members of current members, including spouses, children, sibl
Membership is open to anyone who lives, works, worships, attends school, or conducts business in Brevard, Indian River, Orange, Osceola, Polk, or Volusia counties in Florida. Eligibility also extends to members of ABATE of Florida, Inc. and immediate family of current credit union members.
Anyone in the U.S. can join USF Federal Credit Union by becoming a member of the American Consumer Council for free during the enrollment process. Membership is also open to employees and members of numerous affiliated organizations, businesses, and government agencies in Florida.
Anyone can join SouthPoint Financial Credit Union nationwide by making a one-time $5 Patron donation to the SouthPoint Financial Credit Union Foundation. Membership is also open to former members, immediate family (spouse, parent, sibling, child, grandparent) of existing members, and anyone who lives, works, worships, attends school, or has a business in 30 southern Minnesota counties including Bl
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 Floridastarting 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 Florida 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 81 credit unions listed here lending in Florida with a 30-year fixed mortgage, 35 advertise an interest rate with no points, no buydown and no 1%-down restriction. Among those 35, the median rate is 7.125% and the lowest is 6.75%, at ALL IN. 30 of the 35 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.
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