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    Credit union mortgage rates
    Home state: Michigan

    BREAKWATER mortgage rates

    BREAKWATER's lowest publicly advertised 30-year fixed rate today is 7.125% — the national average is 6.88%. We track BREAKWATER daily and refresh rates every morning.

    Rates as of Sep 11, 2026

    Today's rates from BREAKWATER

    ProductRateAPRPointsAs ofSource
    30 Year Fixed7.125%7.323%0Sep 11, 2026Visit
    20 Year Fixed7%7.257%0Sep 11, 2026Visit
    15 Year Fixed6.625%6.94%0Sep 11, 2026Visit
    10 Year Fixed6.5%6.912%0Sep 11, 2026Visit
    Visit BREAKWATER's rates page

    Rate history

    Lowest daily rate BREAKWATER advertised for each product, past 90 days.

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

    Who can join BREAKWATER

    Membership is open to anyone who lives, works, worships, attends school, or regularly conducts business in Houghton, Keweenaw, or Baraga County, Michigan.

    County
    Houghton County, MI, Keweenaw County, MI, Baraga County, MI

    Where BREAKWATER writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with BREAKWATER.

    Michigan

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

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