Today's rate snapshot
Click a card to switch the table below to that loan type.
How rates trended in Idaho
Daily average across every credit union lending in ID, 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 Idaho
Credit unions lending in Idaho
Pioneer Federal Credit Union is open to those who live, work, worship, or attend school in Ada, Blaine, Camas, Canyon, Elmore, Gooding, Jerome, and Twin Falls counties. Additionally, employees of various industries in five other Idaho counties, members of the Mountain Home AFB Retirement Association, and their family members are eligible to join.
Membership is open to members and employees of The Church of Jesus Christ of Latter-day Saints across the United States. Immediate family members and individuals living in the same household as eligible members are also invited to join.
GTE Financial is open to everyone in the United States through a one-time $10 membership to the CU Savers educational club. You can also join if you live, work, or attend school in select Tampa-area zip codes, or if you are associated with a Community Partner employer.
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.
Mountain America Credit Union offers membership to residents of Utah, Idaho, Arizona, Nevada, Montana, and New Mexico through various eligibility paths including community residency, select employer groups, or alumni associations from BYU and BSU.
Connexus Credit Union is open to anyone in the United States through a one-time $5 donation to the Connexus Association. Membership is also available to employees of specific partner companies, residents of select counties in Wisconsin and Illinois, and those who live in several cities across Minnesota and Ohio.
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.
AlaTrust Credit Union is open to anyone in the US via a $25 donation to the AlaTrust4U Foundation. Residents, workers, or worshippers in 12 specific Alabama counties, as well as Alabama educators and employees of participating sponsor groups, are also eligible to join.
Membership is open to individuals employed by or retired from most employers located in one of Westmark's 34 counties throughout Idaho. Eligibility also extends to those working for or retired from a member firm, employer group, or association. Blood relatives of an existing Westmark Credit Union member are also eligible.
Membership at Rogue Credit Union is available to anyone in the United States by joining the Rogue Charitable Foundation. Additionally, membership is open to individuals who live or work in select counties in Oregon and Idaho.
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 Idahostarting 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 Idaho 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 42 credit unions listed here lending in Idaho with a 30-year fixed mortgage, 14 advertise an interest rate with no points, no buydown and no 1%-down restriction. Among those 14, the median rate is 7.125% and the lowest is 5.625%, at PIONEER. 11 of the 14 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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