Today's rate snapshot
Click a card to switch the table below to that loan type.
How rates trended in Virginia
Daily average across every credit union lending in VA, past 90 days. Dashed line is the national FRED benchmark.
Mortgage rates in Virginia
Credit unions lending in Virginia
Membership is open to anyone who lives, works, worships, or attends school in Hampton Roads and parts of Richmond, Virginia, and North Carolina. It also includes Currituck and Gates counties in North Carolina, and Gloucester, Isle of Wight, James City, Mathews, and York counties in Virginia. Immediate family members of current 1st Advantage members are also eligible.
ValleyStar Credit Union is available to individuals who live, work, worship, or attend school in various specific counties and cities throughout Virginia and North Carolina.
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
Is 100% credit union owned and serves credit unions and their members nationwide, offering mortgage services from its headquarters in Fairfax, Virginia. Credit Union Mortgage Association serves both members and non-members of credit unions.
Membership in Signature Federal Credit Union is open to immediate family members and household members of existing members. Eligibility also extends to employees of the United States Postal Service whose job title is Postmaster, Postmaster Relief (PMR), Supervisor, or Officer in Charge (OIC), and members or employees of the Marymount University Alumni Association. Additionally, employees of The Na
Membership is available to anyone living in Virginia through a free membership with the Virginia Consumer Council, as well as employees and members of numerous specific local businesses and organizations.
Membership is primarily available to members of the Selfreliance Association of American Ukrainians and several other Ukrainian religious, cultural, and fraternal organizations. Eligibility also extends to employees and students of Manor College and Saint Basil Academy, members of specific Ukrainian churches in the PA/MD/DC/VA area, and their immediate family members.
Membership in Henrico Federal Credit Union is open to individuals who live, work, worship, or attend school in Amelia County, the Town of Ashland, Caroline County, Charles City County, Chesterfield County, Colonial Heights, Cumberland County, Dinwiddie County, Goochland County, Hanover County, Henrico County, Hopewell, King & Queen County, King William County, Louisa County, New Kent County, the C
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).
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.
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 Virginia 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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