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    CIRCUIT mortgage rates

    CIRCUIT's lowest publicly advertised 30-year fixed rate today is 6.875% — the national average is 6.88%. That's about $481 saved over the life of a $400,000, 30-year loan. We track CIRCUIT daily and refresh rates every morning.

    Rates as of Sep 11, 2026

    Today's rates from CIRCUIT

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.875%7.026%0Sep 11, 2026Visit
    20 Year Fixed7%7.2%0Sep 11, 2026Visit
    15 Year Fixed6.625%6.866%0Sep 11, 2026Visit
    FHA 30 Year Fixed6.75%7.703%0Sep 11, 2026Visit
    VA 30 Year Fixed6.75%7.167%0Sep 11, 2026Visit
    USDA 30 Year Fixed6.625%7.294%0Sep 11, 2026Visit
    Visit CIRCUIT's rates page

    Rate history

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

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

    Who can join CIRCUIT

    Membership is open to anyone who lives, works, worships, or attends school in the New York towns of Cheektowaga, Hamburg, Blasdell, Orchard Park, West Seneca, Depew, Lancaster, and Sloan, as well as employees of the Cheektowaga Central School District.

    Employer
    Cheektowaga Central School District
    City
    Cheektowaga, NY, Hamburg, NY, Blasdell, NY, Orchard Park, NY, West Seneca, NY, Depew, NY, Lancaster, NY, Sloan, NY

    Where CIRCUIT writes mortgages

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

    New York

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

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