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    Home state: Georgia
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    1ST CHOICE mortgage rates

    1ST CHOICE's lowest publicly advertised 30-year fixed rate today is 6.875% — the national average is 6.88%. That's about $481 saved over the life of a $400,000, 30-year loan. We track 1ST CHOICE daily and refresh rates every morning.

    Rates as of Sep 10, 2026

    Today's rates from 1ST CHOICE

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.875%7.138%0Sep 10, 2026Visit
    15 Year Fixed6.625%7.05%0Sep 10, 2026Visit
    5 Year ARM5.25%6.493%0Sep 10, 2026Visit
    7 Year ARM5.5%6.489%0Sep 10, 2026Visit
    10 Year ARM5.75%6.478%0Sep 10, 2026Visit
    FHA 30 Year Fixed6.75%7.879%0Sep 10, 2026Visit
    VA 30 Year Fixed6.75%7.2%0Sep 10, 2026Visit
    USDA 30 Year Fixed6.75%7.447%0Sep 10, 2026Visit
    10 Year ARM Refinance5.75%6.478%0Sep 10, 2026Visit
    15 Year Fixed Refinance6.625%7.05%0Sep 10, 2026Visit
    30 Year Fixed Refinance7%7.265%0Sep 10, 2026Visit
    5 Year ARM Refinance5.25%6.493%0Sep 10, 2026Visit
    7 Year ARM Refinance5.5%6.489%0Sep 10, 2026Visit
    FHA 30 Year Fixed Refinance6.75%7.879%0Sep 10, 2026Visit
    USDA 30 Year Fixed Refinance6.75%7.447%0Sep 10, 2026Visit
    VA 30 Year Fixed Refinance6.75%7.2%0Sep 10, 2026Visit
    Visit 1ST CHOICE's rates page

    Rate history

    Lowest daily rate 1ST CHOICE advertised for each product, 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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