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, plotted on the date FRED assigns each reading (it is published about a day later).
Mortgage rates in Virginia
Credit unions lending in Virginia
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.
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 is open to employees, retirees, and interns of Washington Gas Light Company and its subsidiaries, as well as employees of many other approved partner companies. Immediate family members and individuals living in the same household as a current member are also eligible to join.
Membership is open to employees, retirees, students, and parents of students in several Virginia school systems including Hampton City, Gloucester, Isle of Wight, and others, as well as several local colleges and private schools. Family members and co-workers of current 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.
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
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.
Agriculture Federal Credit Union is open to anyone who lives, works, worships, or attends school in Washington, DC, as well as employees of numerous select employer groups and affiliated associations. Membership is also extended to the family and household members of current credit union members.
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.
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 Virginiastarting 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 Virginia 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 68 credit unions listed here lending in Virginia with a 30-year fixed mortgage, 24 advertise an interest rate with no points, no buydown and no 1%-down restriction. Among those 24, the median rate is 7.125% and the lowest is 6.375%, at FIRST FINANCIAL OF MARYLAND. 18 of the 24 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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