I built a dashboard to compare mortgage rates across 120 credit unions
When I bought my home, the big bank I'd been using for years quoted me 7% APR. A local credit union was offering 5.5% for the exact same mortgage. I was surprised until I learned that mortgages are basically standardized products – the government buys almost all of them (see Bits About Money: https://www.bitsaboutmoney.com/archive/mortgages-are-a-manuf...). So what's the price difference paying for? A recent Bloomberg Odd Lots episode makes the case that it's largely advertising and marketing…
I built a dashboard to compare mortgage rates across 120 credit unions launched on December 3, 2025 with 393 votes, #43 of 11,628 launches that month and more than 99% of that year's launches.
In plain words
This dashboard aggregates and compares mortgage rates from over 120 credit unions against national benchmarks, helping borrowers shop for better rates. Credit unions, which are non-profits without large marketing budgets, often offer lower rates than traditional banks for standardized mortgages. The tool pulls public rate data from credit union websites and compares them weekly, making it easier for home buyers to discover potentially significant savings by considering alternatives to their current lenders.
written from the facts on this page · September 2026
From the sources
FinFam - Collaborative financial planning for friends, families, experts, and anyone else you trust. Turns Google Sheets into a GitHub for personal finance. Share your financial insights with a tight circle or the whole world. #BuildInPublic? #EarnInPublic
Find the best credit union home loans with our daily-updated comparison of 140+ CUs. Compare 30Y/15Y fixed rates, ARMs, and Fannie Mae conforming loan limits.
Credit unions can offer better mortgage rates compared to big banks because they’re member-owned, non-profit lenders. Here’s our daily-updated comparison from 140+ credit unions to help you find the best rates. ( Why? ) Note: These rates are informational and not a commitment to lend. FinFam has no institutional affiliation and does not receive any referral fees. Looking for a specific credit union? Browse rate pages by institution with 90-day rate history for every lender we track. When we bought our home, the big bank I’d been using for years tried to sell me on a mortgage with 7% APR. Turns out a local credit union was offering 5.5% for the exact same mortgage. What surprised me most…from finfam.app
In the maker’s words, at launch
When I bought my home, the big bank I'd been using for years quoted me 7% APR. A local credit union was offering 5.5% for the exact same mortgage. I was surprised until I learned that mortgages are basically standardized products – the government buys almost all of them (see Bits About Money…
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