Today's rate snapshot
Click a card to switch the table below to that loan type.
How rates trended in Wisconsin
Daily average across every credit union lending in WI, 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 Wisconsin
Credit unions lending in Wisconsin
FAIRWINDS Credit Union offers nationwide membership to anyone in the United States, regardless of location, who values financial stability and freedom.
Membership is open to individuals who live or work in one of 13 specific Southeast and Central Wisconsin counties, as well as their immediate family members.
Membership is open to those who live or work in Iowa (statewide); the Illinois counties of Rock Island, Whiteside, Carroll, Stephenson, or Jo Daviess; or the Wisconsin counties of Crawford, Grant, Richland, Iowa, Lafayette, Green, Dane, Sauk, Columbia, Dodge, Jefferson, Rock, Walworth, or Waukesha. Immediate family members of current members are also eligible.
Membership is open to anyone who lives or works in select counties within Wisconsin or Illinois, including Milwaukee, Racine, Kenosha, and Lake counties.
Membership at Heartland Credit Union is open to anyone who lives, works, worships, or attends school in South Central or Southwestern Wisconsin. Individuals who own property or a small business in these regions are also eligible. Immediate family members of current members, such as a spouse, child, parent, or sibling, can also join, regardless of their location.
Anyone can join SouthPoint Financial Credit Union nationwide by making a one-time $5 Patron donation to the SouthPoint Financial Credit Union Foundation. Membership is also open to former members, immediate family (spouse, parent, sibling, child, grandparent) of existing members, and anyone who lives, works, worships, attends school, or has a business in 30 southern Minnesota counties including Bl
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.
Empeople is open to John Deere employees, retirees, and dealership staff, as well as those who live or work in certain counties in Wisconsin and Maine. Additionally, anyone can join by participating in the credit union's investment services or ongoing financial guidance programs.
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.
Advia Credit Union is open to anyone who lives, works, worships, or attends school in over 50 specific counties across lower Michigan, southern Wisconsin, and northern Illinois. Eligibility is also extended to family members of current Advia 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 Wisconsinstarting 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 Wisconsin 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 81 credit unions listed here lending in Wisconsin with a 30-year fixed mortgage, 28 advertise an interest rate with no points, no buydown and no 1%-down restriction. Among those 28, the median rate is 7.125% and the lowest is 6.63%, at DUPACO COMMUNITY. 25 of the 28 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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