Today's rate snapshot
Click a card to switch the table below to that loan type.
How rates trended in Tennessee
Daily average across every credit union lending in TN, 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 Tennessee
Credit unions lending in Tennessee
FAIRWINDS Credit Union offers nationwide membership to anyone in the United States, regardless of location, who values financial stability and freedom.
Northeast Community Credit Union is open to anyone who lives, works, worships, or attends school in Carter, Washington, Unicoi, Johnson, or Sullivan counties in Tennessee. Eligibility also extends to immediate family and household members of current credit union members.
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.
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.
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 ENRICHMENT is open to anyone who lives, works, worships, or attends school in the Tennessee counties of Anderson, Blount, Claiborne, Knox, Loudon, Morgan, Roane, Scott, or Union. Once a member, membership lasts a lifetime.
Anyone in the U.S. can join South Carolina Federal Credit Union by making a one-time $5 donation to the South Carolina Federal Credit Union Foundation. Membership is also open to employees of partner businesses, members of select associations, active military, and family members of existing cardholders.
Knoxville TVA Employees Credit Union is open to anyone who lives, works, worships, attends school, or owns a business in several counties across East Tennessee, as well as TVA employees and their families.
AmeriCU is open to anyone nationwide who joins the AmeriCU Charitable Foundation. Membership is also available to those who live, work, worship, or attend school in 24 New York counties, as well as U.S. military members, veterans, and their families.
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 Tennesseestarting 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 Tennessee 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 43 credit unions listed here lending in Tennessee with a 30-year fixed mortgage, 14 advertise an interest rate with no points, no buydown and no 1%-down restriction. Among those 14, the median rate is 7.125% and the lowest is 6.875%, at AMERICU. 12 of the 14 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.
Nearby states
Also live: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming