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    Home state: Georgia
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    Lends in 2 states

    1ST CHOICE mortgage rates

    1ST CHOICE's lowest publicly advertised 30-year fixed rate today is 7.279% APR — the national average is 7.147%. We read 1ST CHOICE's rates every weekday, starting around 11 a.m. Central.

    We last read 1ST CHOICE's rates page on Nov 2, 2026. 1ST CHOICE dates its published rate sheet Nov 2, 2026.

    Today's rates from 1ST CHOICE

    ProductRateAPRPointsWe readSource
    30 Year Fixed7%7.279%0Nov 2, 2026Visit
    15 Year Fixed6.75%7.199%0Nov 2, 2026Visit
    5 Year ARM5.75%6.765%0Nov 2, 2026Visit
    7 Year ARM6%6.805%0Nov 2, 2026Visit
    10 Year ARM6.25%6.85%0Nov 2, 2026Visit
    FHA 30 Year Fixed6.99%8.127%0Nov 2, 2026Visit
    VA 30 Year Fixed6.99%7.45%0Nov 2, 2026Visit
    USDA 30 Year Fixed6.875%7.574%0Nov 2, 2026Visit
    10 Year ARM Refinance6.25%6.85%0Nov 2, 2026Visit
    15 Year Fixed Refinance6.75%7.199%0Nov 2, 2026Visit
    30 Year Fixed Refinance7.125%7.406%0Nov 2, 2026Visit
    5 Year ARM Refinance5.75%6.765%0Nov 2, 2026Visit
    7 Year ARM Refinance6%6.805%0Nov 2, 2026Visit
    FHA 30 Year Fixed Refinance6.99%8.127%0Nov 2, 2026Visit
    USDA 30 Year Fixed Refinance6.875%7.574%0Nov 2, 2026Visit
    VA 30 Year Fixed Refinance6.99%7.45%0Nov 2, 2026Visit
    Visit 1ST CHOICE's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join 1ST CHOICE

    1st Choice FCU has merged with Hope Credit Union, which serves Alabama, Arkansas, Georgia, Louisiana, Mississippi, and Tennessee. Anyone in the US can join by making a small donation to the Hope Enterprise Corporation. You may also qualify by living, working, or worshipping in these states, being an employee of a partner such as Amazon, DaVita Kidney Care, or Nike, or being an immediate family or household member of an existing member.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Employer
    Amazon, DaVita Kidney Care, Nike

    Where 1ST CHOICE writes mortgages

    1ST CHOICE publishes mortgage lending in 2 states.

    AlabamaGeorgia

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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