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    EXCEL mortgage rates

    EXCEL'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 EXCEL daily and refresh rates every morning.

    Rates as of Sep 10, 2026

    Today's rates from EXCEL

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.875%7.138%0Sep 10, 2026Visit
    15 Year Fixed6.625%7.05%0Sep 10, 2026Visit
    5 Year ARM5.25%6.493%0Sep 10, 2026Visit
    7 Year ARM5.5%6.489%0Sep 10, 2026Visit
    10 Year ARM5.75%6.478%0Sep 10, 2026Visit
    FHA 30 Year Fixed6.75%7.879%0Sep 10, 2026Visit
    VA 30 Year Fixed6.75%7.2%0Sep 10, 2026Visit
    USDA 30 Year Fixed6.75%7.447%0Sep 10, 2026Visit
    10 Year ARM Refinance5.75%6.478%0Sep 10, 2026Visit
    15 Year Fixed Refinance6.625%7.05%0Sep 10, 2026Visit
    30 Year Fixed Refinance7%7.265%0Sep 10, 2026Visit
    5 Year ARM Refinance5.25%6.493%0Sep 10, 2026Visit
    7 Year ARM Refinance5.5%6.489%0Sep 10, 2026Visit
    FHA 30 Year Fixed Refinance6.75%7.879%0Sep 10, 2026Visit
    USDA 30 Year Fixed Refinance6.75%7.447%0Sep 10, 2026Visit
    VA 30 Year Fixed Refinance6.75%7.2%0Sep 10, 2026Visit
    Visit EXCEL's rates page

    Rate history

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

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

    Who can join EXCEL

    Membership is open to anyone who lives, works, worships, or attends school in Forsyth, Fulton, Gwinnett, or Hall counties in Georgia. Employees of the General Service Administration (GSA), many local select employee groups, and immediate family members of current account holders are also eligible.

    Employer
    General Service Administration (GSA)
    County
    Forsyth County, GA, Fulton County, GA, Gwinnett County, GA, Hall County, GA

    Where EXCEL writes mortgages

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

    Georgia

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

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