Today's rate snapshot
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How rates trended in Tennessee
Daily average across every credit union lending in TN, past 90 days. Dashed line is the national FRED benchmark.
30 Year Fixed rates in Tennessee
Credit unions lending in Tennessee
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.
Service Credit Union offers nationwide membership to anyone in the U.S. who joins the American Consumer Council or the Financial Fitness Association for free. It also primarily serves active duty military, veterans, Department of Defense employees, and their families.
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.
Transportation Federal Credit Union is open to employees of the Department of Transportation and various transportation-related agencies. Anyone else in the U.S. can become eligible by joining the American Consumer Council (ACC).
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.
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.
Membership is open to anyone nationwide via a free membership in the American Consumer Council. It is also available to anyone who lives, works, worships, or attends school in Washington, DC, as well as employees of the Department of Commerce, NOAA, and the Executive Office of the President.
Financial Resources FCU is open to anyone — membership requires only a $1 deposit in a regular share consumer account (or $10 in a business share account). Additional eligibility paths include living, working, worshipping, or attending school in Somerset, Hunterdon, or Middlesex Counties, or the city of New Brunswick; employees of participating Select Employer Groups; and immediate family of curre
Fortera Credit Union is open to anyone who lives, works, worships, or attends school in several counties across Tennessee and Kentucky, as well as select regions in Alabama and Arkansas. Additionally, nationwide eligibility is available through a qualifying association membership with no out-of-pocket cost to the member.
Northwest Federal Credit Union is open to employees of hundreds of partner businesses and federal agencies, including DHS and the CIA's intelligence partners. Anyone can also join by becoming a member of a partner community organization like the NWFCU Foundation.
See which of these credit unions you can join
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Common questions
Daily. We re-scrape the publicly posted rate pages from every credit union that lends in Tennessee every morning.
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.
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