Home state: Connecticut
    Lends in 1 state

    ELLAFI mortgage rates

    ELLAFI's lowest publicly advertised 30-year fixed rate today is 7.122% APR — the national average is 7.147%. That's about $2,431 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 ELLAFI's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from ELLAFI

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.875%7.122%—Nov 2, 2026Visit
    15 Year Fixed6%6.38%—Nov 2, 2026Visit
    5 Year ARM6%6.231%—Nov 2, 2026Visit
    7 Year ARM6.25%6.485%—Nov 2, 2026Visit

    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 ELLAFI

    Individuals who live, work, worship, attend school, or volunteer in 24 specific Connecticut towns, including Middletown, Meriden, and Wallingford, are eligible to join. Immediate family members of current credit union members may also join regardless of where they live.

    City
    Branford, CT, Cheshire, CT, Chester, CT, Clinton, CT, Cromwell, CT, Deep River, CT, Durham, CT, East Haddam, CT, East Haven, CT, Essex, CT, Guilford, CT, Haddam, CT…

    Where ELLAFI writes mortgages

    ELLAFI publishes mortgage lending in 1 state.

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

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