Today's rate snapshot
Click a card to switch the table below to that loan type.
How rates trended in Kentucky
Daily average across every credit union lending in KY, 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 Kentucky
Credit unions lending in Kentucky
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, 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.
Membership is open to employees and retirees of Brown-Forman Corporation and its subsidiaries, as well as their immediate family members including spouses, children, and grandchildren.
Membership is available to anyone who lives, works, worships, or attends school in one of 17 specific Kentucky counties, as well as immediate family members of current account holders.
Anyone in the US can join Commonwealth Credit Union through various pathways, including family relationships or by joining one of their approved associations.
Transcend Credit Union is open to anyone who lives, works, worships, or attends school in many central and western Kentucky counties, including the Louisville, Lexington, and Owensboro areas, as well as telecom employees.
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.
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.
AmeriCU is open to anyone nationwide who joins the AmeriCU Charitable Foundation. Membership is also available to those who live, work, worship, or attend school in 24 New York counties, as well as U.S. military members, veterans, and their families.
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 Kentuckystarting 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 Kentucky 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 44 credit unions listed here lending in Kentucky 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 6.875%, at AMERICU. 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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