Home state: Arizona

    COPPER STATE mortgage rates

    COPPER STATE's lowest publicly advertised 30-year fixed rate today is 6.375% — the national average is 6.805%. That's about $40,879 saved over the life of a $400,000, 30-year loan. We track COPPER STATE daily and refresh rates every morning.

    Rates as of Sep 8, 2026

    Today's rates from COPPER STATE

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.375%6.624%1Sep 8, 2026Visit
    15 Year Fixed5.5%5.861%1Sep 8, 2026Visit
    15 Year Fixed Refinance5.5%5.861%1Sep 8, 2026Visit
    30 Year Fixed Refinance6.375%6.624%1Sep 8, 2026Visit

    Rate history

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

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

    Who can join COPPER STATE

    Membership at Copper State Credit Union is open to individuals who live, work, or worship in Maricopa, Gila, Navajo, Pima, Pinal, and Yavapai counties, as well as businesses and legal entities located in these counties. Additionally, persons who live, work, worship, or attend school in Phoenix, Arizona, within boundaries beginning at the intersection of 43rd Avenue and State Highway 101 are eligible. Employees and contractors of the State of Arizona and its governmental units (excluding state colleges/universities), employees of Safeway Stores, Inc. and affiliated companies in the Phoenix Division (now Albertson’s), and individual employees, volunteers, and donors to The Foster Alliance (formerly AZ Helping Hands) and Child Crisis Arizona are also eligible. Immediate family or household members of an existing member, and surviving spouses of deceased members, may also join. All Arizona residents can join by opening a savings account with a minimum $5 deposit.

    Employer
    State of Arizona and its governmental units (excluding state colleges and universities), Safeway Stores, Inc. / Albertsons Phoenix Division affiliates
    Family of a member
    Immediate family or household members of current members (spouse, children, parents, grandparents, siblings, in-laws)
    County
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    Where COPPER STATE writes mortgages

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

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

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