Today's rate snapshot
Click a card to switch the table below to that loan type.
How rates trended in Indiana
Daily average across every credit union lending in IN, 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 Indiana
Credit unions lending in Indiana
Membership is available to employees and their family members of over 200 partner companies and organizations, including several city governments and the Army National Guard.
Membership is open to individuals who live, work, or worship in Adams, Allen, or Dekalb counties in Indiana, as well as their family members regardless of where they reside.
Membership in Dubois-Pike Federal Credit Union is open to all high school students in Dubois and Pike counties in Indiana, who can open an account with a $5.00 deposit. The credit union has served Dubois and Pike counties since 1971. Mortgages are originated through Member First Mortgage, LLC, who partners with Dubois Pike FCU to provide mortgage solutions.
FAIRWINDS Credit Union offers nationwide membership to anyone in the United States, regardless of location, who values financial stability and freedom.
Membership in Diamond Valley Federal Credit Union is open to those who live, work, worship, or attend school in Vanderburgh or Warrick Counties, Indiana. Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, adoptive relationships) or household members of existing members are also eligible. Other eligibility paths include spouses of
Membership is open to anyone who lives, works, worships, or attends school in the Kentucky counties of Jefferson, Bullitt, Spencer, Shelby, Oldham, Henry, or Trimble, and the Indiana counties of Clark or Floyd. It is also open to Louisville Metro Government employees and immediate family members of existing members.
Anyone in the US can join Commonwealth Credit Union through various pathways, including family relationships or by joining one of their approved associations.
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.
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.
Vibrant Credit Union is open to all U.S. citizens and permanent residents nationwide by joining the Illinois Consumer Council or making a donation to the Be The Good Foundation. Residents and employees in specific counties across Illinois, Iowa, Wisconsin, and Indiana also qualify for membership.
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 Indianastarting 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 Indiana 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 64 credit unions listed here lending in Indiana with a 30-year fixed mortgage, 22 advertise an interest rate with no points, no buydown and no 1%-down restriction. Among those 22, the median rate is 7.125% and the lowest is 6.875%, at AMERICU. 17 of the 22 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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