Today's rate snapshot
Click a card to switch the table below to that loan type.
How rates trended in West Virginia
Daily average across every credit union lending in WV, 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 West Virginia
Credit unions lending in West Virginia
Membership is available to individuals who live, work, worship, or attend school in Brooke, Hancock, or Ohio Counties in WV; Jefferson County, OH; or specific cities and townships in WV, OH, and PA. Immediate family members and household residents of current members are also eligible to join.
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
You can join Chessie Federal Credit Union if you live, work, worship, or attend school in Allegany or Garrett counties in Maryland, the western portion of Washington County, MD, or Mineral or Taylor counties in West Virginia. Membership is also open to employees of many local businesses and their family members.
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
Star USA Federal Credit Union serves employees of Columbia Gas and their families. While the specific geographic field of membership is not fully detailed, the credit union currently serves 16,000 members across 36 states and maintains branches throughout West Virginia.
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.
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 West 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 West 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 39 credit unions listed here lending in West Virginia with a 30-year fixed mortgage, 16 advertise an interest rate with no points, no buydown and no 1%-down restriction. Among those 16, the median rate is 7.125% and the lowest is 5.875%, at FIRST CHOICE AMERICA COMMUNITY. 14 of the 16 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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