7 Best Credit Union Mortgage Lenders of February 2026

Andrews Federal Credit Union is on the smaller side, but offers big value through low rates and fast closings. Its online rate quote tool is exceptionally informative. Renovation loans aren’t available, and the lender tells us VA and FHA loans aren’t a priority.

Alliant Credit Union allows you to see a wide range of customized mortgage rates without sharing any personal information, though customer service is geared toward credit union members.

FourLeaf Credit Union, formerly known as Bethpage, is easy to join: Just deposit $5 in a savings account. However, its online mortgage rate quote is light on details, and average rates are on the higher side.

Golden 1, a California-based credit union, dedicates a significant portion of its business to jumbo loans — useful for those navigating the state’s high home prices. However, VA and USDA loans aren’t available.

Navy Federal is known for VA lending, but its flexible VA-like loan options truly stand out. You'll need a military connection to join the credit union.

State Employees’ Credit Union in North Carolina is worth checking out for those in the Southeast who meet its narrow membership criteria — especially first-time home buyers eligible for generous grants and specialty loans. But it doesn’t offer government-backed mortgages.

PenFed Credit Union stands out for its lower-than-average mortgage rates, but its loan lineup is limited. Getting a custom rate requires sharing contact information, and membership is mandatory — though anyone can join.