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, plotted on the date FRED assigns each reading (it is published about a day later).
Mortgage rates in Illinois
Illinois credit union rates by county
County-, city- and ZIP-chartered credit unions listed per county, plus the statewide lenders anyone in Illinois can join.
Credit unions lending in Illinois
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, 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 individuals who live or work in the St. Louis metropolitan area, including St. Louis, St. Charles, Jefferson, Franklin, Warren, and Lincoln counties in Missouri, as well as Madison, St. Clair, and Monroe counties in Illinois.
Membership is open to those who live or work in Iowa (statewide); the Illinois counties of Rock Island, Whiteside, Carroll, Stephenson, or Jo Daviess; or the Wisconsin counties of Crawford, Grant, Richland, Iowa, Lafayette, Green, Dane, Sauk, Columbia, Dodge, Jefferson, Rock, Walworth, or Waukesha. Immediate family members of current members are also eligible.
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.
Membership is open to anyone who lives or works in select counties within Wisconsin or Illinois, including Milwaukee, Racine, Kenosha, and Lake counties.
Membership is open to anyone who lives or works in 49 specific counties across Illinois and Iowa. Residents or employees anywhere else in Illinois or Iowa can also join by making a $10 donation to the Dream Education Foundation.
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.
Empeople is open to John Deere employees, retirees, and dealership staff, as well as those who live or work in certain counties in Wisconsin and Maine. Additionally, anyone can join by participating in the credit union's investment services or ongoing financial guidance programs.
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.
See which of these credit unions you can join
Enter your ZIP to filter this list to only the credit unions that serve your address — no email required.
Common questions
Twice a week — every Monday and Thursday. We re-read the publicly posted rate pages from every credit union that lends in Illinoisstarting 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 Illinois 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 70 credit unions listed here lending in Illinois with a 30-year fixed mortgage, 27 advertise an interest rate with no points, no buydown and no 1%-down restriction. Among those 27, the median rate is 7.125% and the lowest is 6.63%, at DUPACO COMMUNITY. 23 of the 27 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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