Today's rate snapshot
Click a card to switch the table below to that loan type.
How rates trended in Minnesota
Daily average across every credit union lending in MN, 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 Minnesota
Credit unions lending in Minnesota
FAIRWINDS Credit Union offers nationwide membership to anyone in the United States, regardless of location, who values financial stability and freedom.
Anyone can join SouthPoint Financial Credit Union nationwide by making a one-time $5 Patron donation to the SouthPoint Financial Credit Union Foundation. Membership is also open to former members, immediate family (spouse, parent, sibling, child, grandparent) of existing members, and anyone who lives, works, worships, attends school, or has a business in 30 southern Minnesota counties including Bl
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.
Anyone in the U.S. can join EastRise Credit Union by becoming a member of the American Consumer Council, with the first year's fee covered by the credit union. Membership is also open to Vermont state employees, staff of various Vermont non-profits and colleges, and their immediate family members.
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.
Membership is open to members of specific Latvian organizations in Minnesota, including LOAM and the Latvian Evangelical Lutheran Church of Minneapolis and St. Paul, as well as their family members and relatives of former members.
North Shore Federal Credit Union serves communities along the North Shore of Minnesota, specifically mentioning locations from Duluth to Grand Portage.
AlaTrust Credit Union is open to anyone in the US via a $25 donation to the AlaTrust4U Foundation. Residents, workers, or worshippers in 12 specific Alabama counties, as well as Alabama educators and employees of participating sponsor groups, are also eligible to join.
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 Minnesotastarting 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 Minnesota 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 50 credit unions listed here lending in Minnesota with a 30-year fixed mortgage, 16 advertise an interest rate with no points, no buydown and no 1%-down restriction. Among those 16, the median rate is 7.125% and the lowest is 6.875%, at AMERICU. 15 of the 16 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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