Today's rates from DEPARTMENT OF COMMERCE
| Product | Rate | APR | Points | As of | Source | |
|---|---|---|---|---|---|---|
| 30 Year Fixed | 6.5% | 6.765% | 1 | Sep 8, 2026 | Visit | |
| 20 Year Fixed | 6.25% | 6.594% | 1 | Sep 8, 2026 | Visit | |
| 15 Year Fixed | 5.75% | 6.171% | 1 | Sep 8, 2026 | Visit | |
| 3 Year ARM | 6.125% | 6.512% | 1 | Sep 8, 2026 | Visit | |
| 5 Year ARM | 6.25% | 6.525% | 1 | Sep 8, 2026 | Visit | |
| 7 Year ARM | 6.5% | 6.675% | 1 | Sep 8, 2026 | Visit | |
| 10 Year ARM | 6.75% | 6.972% | 1 | Sep 8, 2026 | Visit | |
| FHA 30 Year Fixed | 6.25% | 6.702% | 1 | Sep 8, 2026 | Visit | |
| VA 30 Year Fixed | 6.125% | 6.354% | 1 | Sep 8, 2026 | Visit |
Rate history
Lowest daily rate DEPARTMENT OF COMMERCE advertised for each product, past 90 days.
Collecting data — the trend chart appears after a few days of tracking.
Who can join DEPARTMENT OF COMMERCE
Membership is open to anyone nationwide via a free membership in the American Consumer Council. It is also available to anyone who lives, works, worships, or attends school in Washington, DC, as well as employees of the Department of Commerce, NOAA, and the Executive Office of the President.
Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
Employer
US Department of Commerce, NOAA, White House Management & Administration Office, Executive Office of the President, US Department of Commerce Contractor
City
Washington, DC
Where DEPARTMENT OF COMMERCE writes mortgages
DEPARTMENT OF COMMERCE publishes mortgage lending in 51 states.
AlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutDistrict of ColumbiaDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.
Not sure if DEPARTMENT OF COMMERCE is your best fit?
Compare every credit union you can actually join
Enter your ZIP to see every credit union — including DEPARTMENT OF COMMERCE if you qualify — ranked by today's rate.