Today's rate snapshot
Click a card to switch the table below to that loan type.
How rates trended in Maryland
Daily average across every credit union lending in MD, 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 Maryland
Credit unions lending in Maryland
Membership is open to anyone who lives, works, regularly conducts business, worships, or attends school in selected counties across Maryland, Pennsylvania, and West Virginia, as well as their immediate family members.
Membership is open to individuals who live, work, worship, or attend school in Calvert, Charles, or St. Mary’s Counties in Maryland. Immediate family members and household residents of current members are also eligible to join.
Membership at First Financial of Maryland Federal Credit Union is open to employees (current, temporary, or retired) from their SEGs, students from Baltimore County Public Schools (BCPS), Carroll County Public Schools (CCPS), private schools, or college SEGs, and volunteers from their hospital or school groups. Immediate family members of eligible or current members are also eligible for membershi
You can join Chessie Federal Credit Union if you live, work, worship, or attend school in Allegany or Garrett counties in Maryland, the western portion of Washington County, MD, or Mineral or Taylor counties in West Virginia. Membership is also open to employees of many local businesses and their family members.
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, volunteers, attends school, or owns a business in Prince George’s County, Maryland. Immediate family members of current credit union members are also eligible to join.
Membership is primarily available to employees of the Washington Suburban Sanitary Commission (WSSC) and their immediate family members.
Membership is open to individuals who live, work, worship, or attend school in Allegany, Garrett, or Washington Counties in Maryland; Hampshire or Mineral Counties in West Virginia; or Bedford or Somerset Counties in Pennsylvania. Immediate family members of current credit union members are also eligible to join.
FedChoice is open to everyone in the U.S. through a membership in the FedChoice Charitable Foundation. It also specifically serves federal employees and contractors of various agencies like the IRS, USPS, and Treasury Department, along with their immediate family members.
Anyone in the US can join Money One Federal Credit Union by making a donation to Gifts for Easter Seals. Membership is also available to those who live in select Maryland ZIP codes, work for one of nearly 100 partner organizations, or have an eligible family member.
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 Marylandstarting 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 Maryland 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 73 credit unions listed here lending in Maryland with a 30-year fixed mortgage, 30 advertise an interest rate with no points, no buydown and no 1%-down restriction. Among those 30, the median rate is 7.125% and the lowest is 6.375%, at CEDAR POINT. 24 of the 30 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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