Today's rate snapshot
Click a card to switch the table below to that loan type.
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, plotted on the date FRED assigns each reading (it is published about a day later).
Mortgage rates in North Carolina
Credit unions lending in North Carolina
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 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.
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.
Carolinas Telco Federal Credit Union offers nationwide membership to anyone who joins the North Carolina Consumers Council. Membership is also available to those who live, work, or worship in select zip codes across North and South Carolina, employees of numerous partner companies, and friends or family of current members.
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
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.
Membership is open to anyone who lives, works, worships, or attends school in 18 New York counties, or is an immediate family member of an existing member.
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.
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.
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.
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 North Carolinastarting 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 North Carolina 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 58 credit unions listed here lending in North Carolina with a 30-year fixed mortgage, 19 advertise an interest rate with no points, no buydown and no 1%-down restriction. Among those 19, the median rate is 7.125% and the lowest is 6.75%, at SUNMARK. 15 of the 19 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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