Today's rate snapshot
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How rates trended in North Carolina
Daily average across every credit union lending in NC, past 90 days. Dashed line is the national FRED benchmark.
30 Year Fixed rates in North Carolina
Credit unions lending in North Carolina
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.
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.
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).
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.
Membership is open to individuals who live, work, worship, or attend school in six specific North Carolina counties, including Forsyth, Mecklenburg, and Guilford. Employees of various partner companies or those with an immediate family member who is already a member are also eligible to join.
Membership is open to employees and associates of Select Employer Groups (SEGs) near Nutley, NJ, and Burlington, NC. Immediate family members and individuals living in the same household as a member are also eligible to join.
Membership eligibility for COMMONWEALTH ONE includes individuals who live, work, worship, go to school, or volunteer in specific areas: the City of Alexandria, VA (specific areas), Washington, D.C., City of Harrisonburg, VA, Warren County, VA, and Clarke County, VA. Membership is also open to employees of over 200 Sponsor Groups. Family members of current members, including spouses, children, sibl
REV Federal Credit Union is open to anyone nationwide via a one-time $15 donation to the Carolinas Credit Union Foundation. Membership is also available to those who live, work, worship, or attend school in select counties in SC, NC, OH, and WV, as well as all US military personnel, veterans, and their families.
Vibrant Credit Union is open to all U.S. citizens and permanent residents nationwide by joining the Illinois Consumer Council or making a donation to the Be The Good Foundation. Residents and employees in specific counties across Illinois, Iowa, Wisconsin, and Indiana also qualify for membership.
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 North Carolina 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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