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    CENTRAL JERSEY mortgage rates

    CENTRAL JERSEY's lowest publicly advertised 30-year fixed rate today is 7.057% APR — the national average is 7.147%. That's about $8,739 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 CENTRAL JERSEY's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from CENTRAL JERSEY

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.75%7.057%2.26Nov 2, 2026Visit
    20 Year Fixed7.125%7.23%0Nov 2, 2026Visit
    15 Year Fixed7%7.13%0Nov 2, 2026Visit
    10 Year Fixed7%7.183%0Nov 2, 2026Visit
    5 Year ARM6.725%7.42%1.55Nov 2, 2026Visit
    7 Year ARM6.5%7.235%1.83Nov 2, 2026Visit
    10 Year ARM6.975%7.486%2.55Nov 2, 2026Visit
    FHA 30 Year Fixed6.75%7.432%0Nov 2, 2026Visit
    FHA 15 Year Fixed6.5%7.299%0.85Nov 2, 2026Visit
    VA 30 Year Fixed7%7.266%0Nov 2, 2026Visit
    30 Year Fixed Jumbo7.375%7.42%0.25Nov 2, 2026Visit
    15 Year Fixed Jumbo6.5%6.531%0Nov 2, 2026Visit
    Visit CENTRAL JERSEY'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 CENTRAL JERSEY

    Membership at Central Jersey Federal Credit Union is available to employees of their participating Select Employee Groups (SEG's). Immediate family members of eligible individuals can also join. Once a member, an individual retains membership for life.

    Where CENTRAL JERSEY writes mortgages

    CENTRAL JERSEY publishes mortgage lending in 1 state.

    New Jersey

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

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