Find Credit Unions Near You or Browse by State
Search for the closest reported branches, or browse rates for mortgages, auto loans, HELOCs, personal loans, credit cards, savings & CDs, and equipment loans from 3,752 credit unions across all 50 states and territories.
Find a credit union near you
Start with branch locations credit unions report to the NCUA, then compare rates and membership requirements.
Learn how proximity is calculated and what to compare on our dedicated credit unions near me guide.
Browse Credit Union Rates by State
RateAPI tracks rates for mortgages, auto loans, HELOCs, personal loans, credit cards, savings & CDs, and equipment loans from 3,752+ credit unions across all 50 US states. Each credit union page shows current rates across all product types, verified daily from official credit union websites. Select a state below to browse credit unions and compare rates. All data is sourced directly—no affiliate relationships influence rankings.
Looking for a specific product? Jump straight to credit union mortgage rates, auto loan rates, HELOC rates, personal loan rates, or credit card rates. See how we collect and verify the data in our methodology.
New: See Who Can Join, Not Just the Rate
Every credit union page now shows a “Who Can Join” section - the field of membership right next to the rates. See who is eligible (by location, employer, military service, school, place of worship, or an open-to-anyone association path), the concrete steps to become a member, and the cost to join (membership fee plus any minimum share deposit) when we can verify it.
Each eligibility claim is backed by a verbatim quote from the credit union's own membership page, with a link to that source. We annotate rather than exclude: where eligibility can't be confirmed, we label it unknown instead of guessing. This is published membership information alongside published rates - not financial advice, and the final determination is always made by the institution. Read the eligibility methodology, or pull it programmatically via the membership eligibility API.
Browse by State
Select a state to view credit unions and their current rates for mortgages, auto loans, HELOCs, personal loans, credit cards, savings & CDs, and equipment loans
Other States
Access via API
Get all credit union data programmatically
# Get all credit unions grouped by state
curl "https://api.rateapi.dev/credit-unions" \
-H "Authorization: Bearer YOUR_API_KEY"Frequently Asked Questions
Common questions about credit union rate data
How do I find credit unions near me?
Enter your five-digit ZIP in the finder above. RateAPI ranks the closest NCUA-reported branch for each credit union using estimated straight-line miles from the center of your ZIP area. Open any result to compare current rates, services, and published membership requirements.
How many credit unions does RateAPI track?
RateAPI tracks rates for mortgages, auto loans, HELOCs, personal loans, credit cards, savings & CDs, and equipment loans from over 3,752 credit unions across all 50 US states and territories. Our database covers everything from large national credit unions like Navy Federal to small community-based institutions.
How often are rates updated?
We verify and update credit union rates daily. Our automated scrapers check each credit union's official website to capture the latest published rates. The "verified" badge indicates rates confirmed within the last 7 days.
Can I access this data via API?
Yes, all credit union rate data is available through our REST API. You can query rates by state, credit union, or product type (mortgage, auto loan, HELOC, personal loan, credit card). Visit api.rateapi.dev for documentation and to get your API key.
Why track credit union rates specifically?
Credit unions often offer lower rates than banks on mortgages, auto loans, and other products because they're member-owned nonprofits. However, their rates are scattered across thousands of individual websites, making comparison difficult. RateAPI aggregates this data to help borrowers find the best rates.
Are the rates verified?
Yes, every rate we display is verified directly from the credit union's official website. We don't rely on third-party data or manual submissions. Each credit union page shows when rates were last verified and includes a direct link to the source.
How do I find the lowest credit union rate in my state?
Select your state from the grid above to see every tracked credit union ranked with its current rates. Each state page lets you compare mortgage, auto loan, HELOC, personal loan, and credit card rates side by side.
Do I have to be a member to get a credit union rate?
Yes, credit unions only lend to members, but most have easy eligibility paths such as living in a region, working for a partner employer, or joining an affiliated association. The rates shown here are the published member rates from each credit union's official site.
How do I know if I can join a credit union?
Every credit union page now includes a "Who Can Join" section that shows the field of membership - who is eligible and how to become a member. Each eligibility claim is backed by a verbatim quote pulled from the credit union's own membership page, with a link to that source, plus the cost to join (membership fee and any minimum share deposit) when we can verify it. We annotate rather than exclude: where eligibility can't be confirmed we label it as unknown instead of guessing. This is published membership information, not financial advice - the final determination is always made by the institution. See our eligibility methodology for how the data is collected and verified.
Can I get "who can join" data through the API or an AI assistant?
Yes. The /credit-unions/{state}/{slug} profile endpoint returns an eligibility object alongside rates, the get_credit_union MCP tool returns the same field-of-membership record for AI agents, and the dedicated membership eligibility API can verdict up to 50 credit unions against a user profile in one call. Every response links the credit union's own membership page as evidence.