Today's rate snapshot
Click a card to switch the table below to that loan type.
How rates trended in Ohio
Daily average across every credit union lending in OH, 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 Ohio
Credit unions lending in Ohio
Membership is available to individuals who live, work, worship, or attend school in Brooke, Hancock, or Ohio Counties in WV; Jefferson County, OH; or specific cities and townships in WV, OH, and PA. Immediate family members and household residents of current members are also eligible to join.
Membership is open to anyone who lives, works, worships, or attends school in Lake, Geauga, or Ashtabula County, Ohio. Immediate family members of current credit union members are also eligible to join.
Membership is open to individuals who live, work, worship, or attend school in Mercer, Lawrence, Venango, or Crawford counties in Pennsylvania, or Mahoning, Trumbull, or Columbiana counties in Ohio. Immediate family and household members of eligible individuals are also invited to join.
Membership is primarily open to non-bargaining employees of Bridgestone Americas Holding, Inc. on certain payrolls (Akron, Brook Park, or Nashville), employees of other Select Employee Groups, and their immediate family members.
Cornerstone Community Financial Credit Union is open to anyone who lives, works, worships, or attends school in the state of Michigan or specifically in Fulton, Henry, Lucas, Ottawa, Sandusky, or Wood counties in Ohio. Immediate family of existing members are also eligible to join.
Membership at Bay Area Credit Union is available to anyone who lives, works, worships, or attends school in Lucas, Wood, Ottawa, or Sandusky County in Ohio. Family members of existing members are also eligible to join.
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.
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 Ohiostarting 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 Ohio 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 62 credit unions listed here lending in Ohio with a 30-year fixed mortgage, 22 advertise an interest rate with no points, no buydown and no 1%-down restriction. Among those 22, the median rate is 7.125% and the lowest is 5.875%, at FIRST CHOICE AMERICA COMMUNITY. 18 of the 22 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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