Home state: New York
    Open membership
    Lends in 48 states

    AMERICU mortgage rates

    AMERICU's lowest publicly advertised 30-year fixed rate today is 6.997% APR — the national average is 7.147%. That's about $14,548 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 AMERICU's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from AMERICU

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.875%6.997%0Nov 2, 2026Visit
    15 Year Fixed6.25%6.445%0Nov 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 AMERICU

    AmeriCU is open to anyone nationwide who joins the AmeriCU Charitable Foundation. Membership is also available to those who live, work, worship, or attend school in 24 New York counties, as well as U.S. military members, veterans, and their families.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Military / veteran
    all US military
    County
    Broome County, NY, Cayuga County, NY, Chenango County, NY, Clinton County, NY, Cortland County, NY, Essex County, NY, Franklin County, NY, Fulton County, NY, Hamilton County, NY, Herkimer County, NY, Jefferson County, NY, Montgomery County, NY…

    Where AMERICU writes mortgages

    AMERICU publishes mortgage lending in 48 states.

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

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