Today's rate snapshot
Click a card to switch the table below to that loan type.
How rates trended in Pennsylvania
Daily average across every credit union lending in PA, 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 Pennsylvania
Pennsylvania credit union rates by county
County-, city- and ZIP-chartered credit unions listed per county, plus the statewide lenders anyone in Pennsylvania can join.
Credit unions lending in Pennsylvania
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.
Individuals who live, work, worship, or attend school in the Hill District and greater Pittsburgh area are eligible to join. Membership is also open to family of current members or anyone who joins a local economic assistance organization for a small fee.
Membership is open to anyone who lives, works, regularly conducts business, worships, or attends school in selected counties across Maryland, Pennsylvania, and West Virginia, as well as their immediate family members.
Membership at First Financial of Maryland Federal Credit Union is open to employees (current, temporary, or retired) from their SEGs, students from Baltimore County Public Schools (BCPS), Carroll County Public Schools (CCPS), private schools, or college SEGs, and volunteers from their hospital or school groups. Immediate family members of eligible or current members are also eligible for membershi
FAIRWINDS Credit Union offers nationwide membership to anyone in the United States, regardless of location, who values financial stability and freedom.
Membership is available to employees and students of hundreds of Select Employee Groups in Northeastern Pennsylvania, federal employees in Lackawanna, Luzerne, Susquehanna, and Wayne Counties, and members of several local associations. Immediate family and household members of current credit union members 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.
Guthrie Community Credit Union is open to anyone who lives, works, worships, or attends school in the New York counties of Tompkins, Schuyler, Tioga, Chemung, and Steuben, or the Pennsylvania counties of Bradford and Tioga. Immediate family members of existing credit union members are also eligible to join.
Membership is open to individuals who live, work, worship, or attend school in Allegany, Garrett, or Washington Counties in Maryland; Hampshire or Mineral Counties in West Virginia; or Bedford or Somerset Counties in Pennsylvania. Immediate family members of current credit union members 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
See which of these credit unions you can join
Enter your ZIP to filter this list to only the credit unions that serve your address — no email required.
Common questions
Twice a week — every Monday and Thursday. We re-read the publicly posted rate pages from every credit union that lends in Pennsylvaniastarting 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 Pennsylvania 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 141 credit unions listed here lending in Pennsylvania with a 30-year fixed mortgage, 49 advertise an interest rate with no points, no buydown and no 1%-down restriction. Among those 49, the median rate is 7% and the lowest is 5.99%, at MERCER COUNTY COMMUNITY. 37 of the 49 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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