Home state: Utah
    Lends in 1 state

    AMERICA FIRST mortgage rates

    AMERICA FIRST's lowest publicly advertised 30-year fixed rate today is 7.022% APR — the national average is 7.147%. That's about $12,130 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read AMERICA FIRST's rates every weekday, starting around 11 a.m. Central.

    We last read AMERICA FIRST's rates page on Nov 2, 2026.

    Today's rates from AMERICA FIRST

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.875%7.022%0.5Nov 2, 2026Visit
    20 Year Fixed6.5%6.656%0.25Nov 2, 2026Visit
    15 Year Fixed6.125%6.378%0.625Nov 2, 2026Visit
    10 Year Fixed5.875%6.203%0.5Nov 2, 2026Visit
    FHA 30 Year Fixed6.5%7.379%0.5Nov 2, 2026Visit
    VA 30 Year Fixed6.875%7.359%0.125Nov 2, 2026Visit

    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 AMERICA FIRST

    Open to those who live, work, worship, volunteer, or attend school in America First's field of membership: full counties of Salt Lake, Utah, and Juab (UT), Maricopa (AZ), and Clark and Lincoln (NV, excluding areas within 25 miles of the Alamo, NV post office); plus eligible areas of Cache, Davis, Iron, Rich, Washington, and Weber (UT); Churchill, Douglas, Esmeralda, Lyon, Mineral, Nye, Storey, Washoe, and Carson City (NV); Mohave and Pima counties and the Page and St. Johns areas (AZ); Ada, Bannock, Bear Lake, Bingham, Boise, Bonneville, Canyon, Caribou, Clark, Elmore, Franklin, Gem, Jefferson, Madison, Owyhee, and Power (ID); Malheur (OR); Bernalillo, Chaves, De Baca, Guadalupe, Harding, Mora, Quay, Sandoval, San Miguel, Santa Fe, Torrance, and Valencia (NM); and San Bernardino (CA). Immediate family of a current member is also eligible.

    Family of a member
    [object Object]
    County
    [object Object], [object Object], [object Object], [object Object], [object Object], [object Object], [object Object], [object Object], [object Object], [object Object], [object Object], [object Object]…

    Where AMERICA FIRST writes mortgages

    AMERICA FIRST publishes mortgage lending in 1 state.

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

    Not sure if AMERICA FIRST is your best fit?

    Compare every credit union you can actually join

    Enter your ZIP to see every credit union — including AMERICA FIRST if you qualify — ranked by today's rate.

    Get notified when AMERICA FIRST's 30 Year Fixed rate changes
    Optional. No weekly digests, no spam — one email only when rates actually move. Manage or unsubscribe anytime.
    Advanced: adjust thresholds
    bps (0.10%)
    Optional. Emails when the rate reaches this level.

    More credit unions in Utah

    See all Utah credit union mortgage rates