Rural Cooperatives Credit Union, Inc. Mortgage Rates
Rural Cooperatives Credit Union, Inc. currently offers a 30-year fixed mortgage at 7.100% APR, 0.52 points above the national average. Rural Cooperatives Credit Union, Inc. publishes rates for 6 loan products. Rates last updated July 26, 2026.
| Product | Rate | APR | Points |
|---|---|---|---|
| 30-Year Fixed | 7.00% | 7.10% | 0.00 |
| 15-Year Fixed | 7.25% | 7.41% | 0.00 |
| 20-Year Fixed | 6.50% | 6.71% | 0.00 |
| FHA 30-Year | 6.00% | 6.69% | 0.00 |
| VA 30-Year | 6.25% | 6.41% | 0.00 |
| HomeReady 30-Year | 6.63% | 6.79% | 0.00 |
Rural Cooperatives Credit Union, Inc. Eligibility
Employees, members, patrons, contractors, and family members of Electric Cooperatives in Kentucky, Ohio, and Tennessee. Also, statewide electric cooperative associations of Kentucky, Ohio, and Tennessee, employees of National Information Solutions Cooperative, Western Kentucky Energy, Paradise TVA Steam Plant, Warren County Water District, and other employer-based groups. Family members qualify.
Openness: exclusive
