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    Credit union mortgage rates
    Home state: Maryland
    Open membership
    Lends in 3 states

    CAPITAL AREA REALTORS mortgage rates

    CAPITAL AREA REALTORS's lowest publicly advertised 30-year fixed rate today is 7.042% APR — the national average is 7.147%. That's about $10,193 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 CAPITAL AREA REALTORS's rates every weekday, starting around 11 a.m. Central.

    We last read CAPITAL AREA REALTORS's rates page on Nov 2, 2026.

    Today's rates from CAPITAL AREA REALTORS

    CAPITAL AREA REALTORS publishes its mortgage rates through a quote tool, not a rate table.

    The tool shows nothing until you enter loan details, so the rates below are the quotes it returned for our standard scenario: Purpose: Purchase; Home price: $450,000; Loan amount: $360,000; Down payment: 20%; Credit score: 780; Property: Single-family home, primary residence; ZIP: 20850; Assumed income: $4,000/month. Your own quote will differ if your details do. Because these figures come from our inputs rather than CAPITAL AREA REALTORS's own published table, they're left out of "lowest rate" callouts and #1 spots, but still appear in every table.

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.875%7.042%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Purchase
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 20850
    • Assumed income: $4,000/month
    		1.318Nov 2, 2026Visit
    20 Year Fixed6.375%6.708%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Purchase
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 20850
    • Assumed income: $4,000/month
    		2.25Nov 2, 2026Visit
    15 Year Fixed6.25%6.533%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Purchase
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 20850
    • Assumed income: $4,000/month
    		1.397Nov 2, 2026Visit
    VA 30 Year Fixed6.25%6.575%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Purchase
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 20850
    • Assumed income: $4,000/month
    		1.755Nov 2, 2026Visit
    USDA 30 Year Fixed6.25%6.875%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Purchase
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 20850
    • Assumed income: $4,000/month
    		1.404Nov 2, 2026Visit
    15 Year Fixed Refinance6.25%6.533%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Refinance
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 20850
    • Assumed income: $4,000/month
    		1.397Nov 2, 2026Visit
    20 Year Fixed Refinance6.5%6.785%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Refinance
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 20850
    • Assumed income: $4,000/month
    		1.875Nov 2, 2026Visit
    30 Year Fixed Refinance6.875%7.075%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Refinance
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 20850
    • Assumed income: $4,000/month
    		1.645Nov 2, 2026Visit
    FHA 30 Year Fixed Refinance6.375%7.049%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Refinance
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 20850
    • Assumed income: $4,000/month
    		1.247Nov 2, 2026Visit
    USDA 30 Year Fixed Refinance6.25%6.934%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Refinance
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 20850
    • Assumed income: $4,000/month
    		1.979Nov 2, 2026Visit
    VA 30 Year Fixed Refinance6.375%6.571%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Refinance
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 20850
    • Assumed income: $4,000/month
    		1.306Nov 2, 2026Visit
    Visit CAPITAL AREA REALTORS's rates page

    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 CAPITAL AREA REALTORS

    Membership is open to everyone, including members of local REALTOR associations in Maryland and the DC area, their employees, and their immediate families.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Association / SEG
    Greater Capital Area Association of REALTORS® (GCAAR), Prince George’s County Association of REALTORS®, Frederick County Association of REALTORS® (FCAR)

    Where CAPITAL AREA REALTORS writes mortgages

    CAPITAL AREA REALTORS publishes mortgage lending in 3 states.

    District of ColumbiaMarylandVirginia

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

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