Today's rate snapshot
Click a card to switch the table below to that loan type.
How rates trended in Massachusetts
Daily average across every credit union lending in MA, 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 Massachusetts
Credit unions lending in Massachusetts
Membership is open to individuals who live, work, worship, or attend school in Fall River, Somerset, Swansea, Westport, or Freetown, Massachusetts, as well as Tiverton and Little Compton, Rhode Island.
Membership is open to anyone who lives, works, worships, or attends school in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk Counties in Massachusetts.
Membership is open to anyone who lives, works, worships, or attends school in Fall River, Somerset, Swansea, Westport, Freetown, or Assonet, Massachusetts, as well as Tiverton, Rhode Island.
Membership is open to anyone who lives, works, or attends school in Bristol County (MA), several towns in Plymouth and Barnstable counties (MA), and Little Compton or Tiverton (RI), as well as employees of the City of New Bedford and their families.
Membership is open to anyone who lives, works, attends school, or has a place of business in Bristol, Plymouth, Barnstable, or Dukes Counties in Massachusetts, or Kent, Providence, Bristol, or Newport Counties in Rhode Island.
Liberty Bay Credit Union is open to anyone who lives, works, or attends school in over 70 specific towns in eastern and central Massachusetts. Eligibility is also extended to employees of partner organizations and immediate family or household members of current credit union members.
Membership is open to individuals who live, work, or have business in Worcester, Middlesex, Norfolk, Hampden, Franklin, or Hampshire Counties in Massachusetts. Eligibility also extends to members of religious or civic organizations in those counties and family members of current credit union members.
FAIRWINDS Credit Union offers nationwide membership to anyone in the United States, regardless of location, who values financial stability and freedom.
St. Mary’s Bank, the nation’s first credit union, is open to anyone regardless of location for a one-time $5 membership share purchase.
Membership in Southbridge Credit Union is available to individuals, businesses, and organizations that reside, work, or operate in Worcester County, MA; Bristol County, MA; Franklin County, MA; Hampshire County, MA; Norfolk County, MA; Hampden County, MA; Middlesex County, MA; and Windham County, CT. Membership eligibility may include purchasing and maintaining minimum required shares, paying a me
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 Massachusettsstarting 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 Massachusetts 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 109 credit unions listed here lending in Massachusetts with a 30-year fixed mortgage, 55 advertise an interest rate with no points, no buydown and no 1%-down restriction. Among those 55, the median rate is 6.99% and the lowest is 6.125%, at NEW BEDFORD. 44 of the 55 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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