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    EXCITE mortgage rates

    EXCITE'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 EXCITE daily and refresh rates every morning.

    Today's rates from EXCITE

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.875%6.929%0Sep 11, 2026Visit
    20 Year Fixed6.875%6.946%0Sep 11, 2026Visit
    15 Year Fixed6.875%6.963%0Sep 11, 2026Visit
    3 Year ARM6.5%6.585%0Sep 11, 2026Visit
    5 Year ARM6.5%6.648%0Sep 11, 2026Visit
    7 Year ARM6.5%6.684%0Sep 11, 2026Visit
    30 Year Fixed Super Conforming7%7.046%0Sep 11, 2026Visit
    15 Year Fixed Super Conforming7%7.075%0Sep 11, 2026Visit
    5 Year ARM Jumbo6.5%6.715%0Sep 11, 2026Visit
    7 Year ARM Jumbo6.5%6.794%0Sep 11, 2026Visit
    20 Year Fixed Super Conforming7%7.061%0Sep 11, 2026Visit
    3 Year ARM Jumbo6.5%6.669%0Sep 11, 2026Visit
    3 Year ARM Super Conforming6.5%6.64%0Sep 11, 2026Visit
    5 Year ARM Super Conforming6.5%6.64%0Sep 11, 2026Visit
    7 Year ARM Super Conforming6.5%6.675%0Sep 11, 2026Visit
    Visit EXCITE's rates page

    Rate history

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

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

    Who can join EXCITE

    You can join Excite Credit Union if you live, work, worship, or attend school in several counties in California (Santa Clara, San Mateo, Alameda, Santa Cruz, Monterey, San Francisco) or North Carolina (Brunswick, New Hanover, Pender). Eligibility is also extended to employees of partner businesses and family or roommates of current members.

    County
    Santa Clara County, CA, San Mateo County, CA, Alameda County, CA, Santa Cruz County, CA, Monterey County, CA, San Francisco County, CA, Brunswick County, NC, New Hanover County, NC, Pender County, NC

    Where EXCITE writes mortgages

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

    California

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

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