Today's rate snapshot
Click a card to switch the table below to that loan type.
How rates trended in Oregon
Daily average across every credit union lending in OR, 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 Oregon
Credit unions lending in Oregon
FAIRWINDS Credit Union offers nationwide membership to anyone in the United States, regardless of location, who values financial stability and freedom.
ILWU Credit Union serves members of various ILWU locals across California, Hawaii, Alaska, and the Portland area, as well as members of S.M.A.R.T. and the Portland Industrial Workers of the World. Immediate family members of eligible union workers are also welcome to join.
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
GTE Financial is open to everyone in the United States through a one-time $10 membership to the CU Savers educational club. You can also join if you live, work, or attend school in select Tampa-area zip codes, or if you are associated with a Community Partner employer.
Maps Credit Union is open to anyone who lives or works in the Greater Western Oregon Region, including Marion, Polk, Yamhill, Linn, Benton, Lincoln, Multnomah, Washington, and Clackamas counties.
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.
Mountain America Credit Union offers membership to residents of Utah, Idaho, Arizona, Nevada, Montana, and New Mexico through various eligibility paths including community residency, select employer groups, or alumni associations from BYU and BSU.
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.
Membership at Nuvision Credit Union is typically available to employees of select partner companies, their families, and individuals living or working in specific communities in California, Alaska, and other regions, though specific geographic details were not listed in the source provided.
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 Oregonstarting 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 Oregon 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 61 credit unions listed here lending in Oregon with a 30-year fixed mortgage, 20 advertise an interest rate with no points, no buydown and no 1%-down restriction. Among those 20, the median rate is 7.125% and the lowest is 6.5%, at PORTLAND LOCAL NO 8. 16 of the 20 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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