Credit Union Mortgage Rate Tracker

An app for tracking published credit union mortgage rates.

CUB: Track daily Mortgage rate is built for borrowers who want a cleaner way to compare credit union and bank mortgage rates. Instead of opening many lender pages, users can review published rates, lender context, state availability, favorites, history charts, and alerts in one app.

Direct answer: CUB is useful for people who want to compare credit union mortgage rates across lenders, track daily movement, and understand whether a lender is realistic based on state availability and membership requirements.

What the app tracks

Published mortgage rates from credit unions and banks.

30-year fixed and ARM products where available.

State filters, lender profiles, and membership context.

Premium one-year charts, favorites, and rate drop alerts.

Who it is not for

CUB is not a lender, broker, loan marketplace, or rate quote engine. It does not approve loans or replace direct lender confirmation. It is an informational tracking app for published rate research.

Published rate tracking versus a mortgage quote

A published mortgage rate is a starting point based on assumptions chosen by the lender. Your available rate can differ because of credit score, loan amount, down payment, property type, occupancy, geography, points, lock period, and other underwriting details. CUB helps users see and organize published information; only a lender can provide a personalized quote or Loan Estimate.

A practical tracking workflow

Choose the loan products you want to research, such as a 30-year fixed mortgage or an adjustable-rate option.
Use state and lender filters to reduce the list to institutions that may be relevant.
Review lender details and confirm membership requirements directly with each credit union.
Save a shortlist, inspect historical movement where available, and set target alerts for published rates.
Request comparable Loan Estimates from multiple lenders before choosing an offer.

What to compare when a rate looks attractive

Check the APR, discount points, lender credits, origination charges, required down payment, mortgage insurance, lock period, and cash to close. Also confirm whether the published rate applies to your state, loan amount, occupancy, and property type. The Consumer Financial Protection Bureau recommends comparing formal Loan Estimates from multiple lenders.

Related CUB guides

Learn how to compare credit union mortgage rates by state, use a mortgage rate alert, or understand when to use CUB versus a lender website.

Explore CUB Features