Home state: Maryland
    Open membership
    Lends in 5 states

    FEDCHOICE mortgage rates

    FEDCHOICE's lowest publicly advertised 30-year fixed rate today is 6.625% — the national average is 6.88%. That's about $24,411 saved over the life of a $400,000, 30-year loan. We track FEDCHOICE daily and refresh rates every morning.

    Today's rates from FEDCHOICE

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.625%6.788%0Sep 11, 2026Visit
    20 Year Fixed6.5%6.712%0Sep 11, 2026Visit
    15 Year Fixed6.25%6.513%0Sep 11, 2026Visit
    30 Year Fixed Jumbo6.875%6.973%0Sep 11, 2026Visit
    15 Year Fixed Jumbo7.25%7.411%0Sep 11, 2026Visit

    Rate history

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

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

    Who can join FEDCHOICE

    FedChoice is open to everyone in the U.S. through a membership in the FedChoice Charitable Foundation. It also specifically serves federal employees and contractors of various agencies like the IRS, USPS, and Treasury Department, along with their immediate family members.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Employer
    United States Internal Revenue Service (IRS), United States Bureau of Alcohol, Tobacco, and Firearms (ATF), United States Tax Court, United States Congress, Joint Committee on Taxation, United States Consumer Product Safety Commission, United States Federal Election Commission (FEC), Institute of Museum and Library Services, National Endowment for the Arts, National Endowment for the Humanities, United States Treasury Department, United States Postal Service (USPS), FedChoice Federal Credit Union
    Association / SEG
    Senior Executives' Association, Inc., FedChoice Charitable Foundation

    Where FEDCHOICE writes mortgages

    FEDCHOICE publishes mortgage lending in 5 states.

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

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