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    CONSUMERS mortgage rates

    CONSUMERS's lowest publicly advertised 30-year fixed rate today is 7.403% APR — the national average is 7.147%. We read CONSUMERS's rates every weekday, starting around 11 a.m. Central.

    We last read CONSUMERS's rates page on Nov 2, 2026. CONSUMERS dates its published rate sheet Nov 2, 2026.

    Today's rates from CONSUMERS

    ProductRateAPRPointsWe readSource
    30 Year Fixed7.25%7.403%0Nov 2, 2026Visit
    20 Year Fixed7.125%7.322%0Nov 2, 2026Visit
    15 Year Fixed6.625%6.866%0Nov 2, 2026Visit
    10 Year Fixed6.375%6.713%0Nov 2, 2026Visit
    5 Year ARM6.625%6.775%0Nov 2, 2026Visit
    30 Year Fixed Jumbo7.375%7.436%0Nov 2, 2026Visit
    15 Year Fixed Jumbo6.75%6.846%0Nov 2, 2026Visit
    5 Year ARM Jumbo6.75%6.809%0Nov 2, 2026Visit
    10 Year Fixed Refinance6.375%6.713%0Nov 2, 2026Visit
    15 Year Fixed Jumbo Refinance6.75%6.846%0Nov 2, 2026Visit
    15 Year Fixed Refinance6.625%6.866%0Nov 2, 2026Visit
    20 Year Fixed Refinance7.125%7.322%0Nov 2, 2026Visit
    30 Year Fixed Jumbo Refinance7.375%7.436%0Nov 2, 2026Visit
    30 Year Fixed Refinance7.25%7.403%0Nov 2, 2026Visit
    5 Year ARM Jumbo Refinance6.75%6.809%0Nov 2, 2026Visit
    5 Year ARM Refinance6.625%6.775%0Nov 2, 2026Visit
    Visit CONSUMERS'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 CONSUMERS

    Anyone can join Consumers Credit Union by becoming a member of the Consumers Cooperative Association (CCA) with a one-time $5 fee, which is often reimbursed by the credit union. Membership also requires maintaining a minimum $5 deposit in a Membership Share/Savings Account. Minors aged 13-17 can join with a valid ID, Social Security card, and a parent/legal guardian as a joint account holder, while those 12 and younger need a Social Security Number and a parent/legal guardian as a joint account holder. Non-U.S. citizens can join with specific identification documents, potentially including a Mexican Matricula Consular ID and ITIN letter or a U.S. Permanent Alien Resident card and Social Security card.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.

    Where CONSUMERS writes mortgages

    CONSUMERS publishes mortgage lending in 1 state.

    Illinois

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

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