Today's rate snapshot
Click a card to switch the table below to that loan type.
How rates trended in Illinois
Daily average across every credit union lending in IL, past 90 days. Dashed line is the national FRED benchmark.
Mortgage rates in Illinois
Credit unions lending in Illinois
Membership is open to anyone who lives in the state of Illinois, employees of over 250 affiliated companies or organizations, and family members of current credit union members.
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.
Service Credit Union offers nationwide membership to anyone in the U.S. who joins the American Consumer Council or the Financial Fitness Association for free. It also primarily serves active duty military, veterans, Department of Defense employees, and their families.
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).
Membership is open to anyone who lives, works, or worships in over 100 communities in the Kankakee, Illinois area, bounded by Route 24, Route 47, I-80, and the Indiana state line.
Membership is open to anyone who lives or works in select counties within Wisconsin or Illinois, including Milwaukee, Racine, Kenosha, and Lake counties.
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.
Healthcare workers and residents of specific parts of DuPage County, Oak Lawn, and Des Plaines are eligible to join. Additionally, anyone nationwide can qualify for membership by making a small donation to Credit Unions for Kids.
Membership is open to those who live or work in Illinois counties Boone, Cook (North of I-55), DeKalb, DuPage, Grundy, Kane, Kendall, Lake, Lee, McHenry, Ogle, Stephenson, Will, and Winnebago. Eligibility also extends to employees of Exelon, Commonwealth Edison, any of their subsidiaries, Northwestern Memorial Healthcare or its subsidiaries, and Northwestern University employees, alumni, or studen
Community Trust Credit Union is open to individuals who live or work in Lake or McHenry Counties in Illinois, or Kenosha County in Wisconsin. Relatives of current members are also eligible to join with a $5.00 minimum deposit.
See which of these credit unions you can join
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Common questions
Daily. We re-scrape the publicly posted rate pages from every credit union that lends in Illinois every morning.
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.
Nearby states
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