Today's rate snapshot
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How rates trended in Iowa
Daily average across every credit union lending in IA, past 90 days. Dashed line is the national FRED benchmark.
30 Year Fixed rates in Iowa
Credit unions lending in Iowa
Midland Credit Union is open to anyone who lives or works in 24 specific Iowa counties, including Polk, Dallas, and Story. Eligibility also extends to family members of current members and employees of various approved small employee groups.
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).
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.
Peoples Credit Union serves anyone who lives, works, or worships in 11 specific counties in Iowa, including Webster, Hamilton, Story, and Boone.
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.
Financial Resources FCU is open to anyone — membership requires only a $1 deposit in a regular share consumer account (or $10 in a business share account). Additional eligibility paths include living, working, worshipping, or attending school in Somerset, Hunterdon, or Middlesex Counties, or the city of New Brunswick; employees of participating Select Employer Groups; and immediate family of curre
Membership is open to anyone who lives or works in 14 select Iowa counties, including Polk, Dallas, and Story. Eligibility is also extended to employees of Select Employee Groups and family members of current credit union members.
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.
Cedar Falls Community Credit Union is open to individuals who live or work in one of 20 Iowa counties, including Black Hawk, Linn, and surrounding areas.
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 Iowa 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.
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