Today's rates from ACT 1ST
| Product | Rate | APR | Points | We read | Source | |
|---|---|---|---|---|---|---|
| 30 Year Fixed | 6.5% | 6.661% | — | Nov 2, 2026 | Visit | |
| 20 Year Fixed | 6.375% | 6.586% | — | Nov 2, 2026 | Visit | |
| 15 Year Fixed | 6% | 6.261% | — | Nov 2, 2026 | Visit | |
| 5 Year ARM | 6.25% | 7.103% | 1 | Nov 2, 2026 | Visit | |
| FHA 30 Year Fixed | 6.375% | 7.075% | — | Nov 2, 2026 | Visit | |
| VA 30 Year Fixed | 6.5% | 6.661% | — | Nov 2, 2026 | Visit | |
| 30 Year Fixed Jumbo | 7.25% | 7.351% | — | Nov 2, 2026 | Visit | |
| 15 Year Fixed Jumbo | 7.5% | 7.662% | — | Nov 2, 2026 | Visit |
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 ACT 1ST
Membership is open to individuals who live, work, worship, or attend school in Allegany, Garrett, or Washington Counties in Maryland; Hampshire or Mineral Counties in West Virginia; or Bedford or Somerset Counties in Pennsylvania. Immediate family members of current credit union members are also eligible to join.
County
Allegany County, MD, Garrett County, MD, Washington County, MD, Hampshire County, WV, Mineral County, WV, Bedford County, PA, Somerset County, PA
Where ACT 1ST writes mortgages
ACT 1ST publishes mortgage lending in 3 states.
Pennsylvania counties where ACT 1ST serves members
Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.
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