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    Home state: Maryland
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    Lends in 5 states

    FEDCHOICE mortgage rates

    FEDCHOICE's lowest publicly advertised 30-year fixed rate today is 6.661% APR — the national average is 7.147%. That's about $46,816 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 FEDCHOICE's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from FEDCHOICE

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.5%6.661%—Nov 2, 2026Visit
    20 Year Fixed6.375%6.586%—Nov 2, 2026Visit
    15 Year Fixed6%6.261%—Nov 2, 2026Visit
    3 Year ARM7.75%7.559%—Nov 2, 2026Visit
    5 Year ARM6.25%7.004%—Nov 2, 2026Visit
    7 Year ARM6.25%6.885%—Nov 2, 2026Visit
    15 Year ARM6.25%6.575%—Nov 2, 2026Visit
    FHA 30 Year Fixed6.375%7.075%—Nov 2, 2026Visit
    VA 30 Year Fixed6.5%6.661%—Nov 2, 2026Visit
    30 Year Fixed Jumbo7.25%7.351%—Nov 2, 2026Visit
    15 Year Fixed Jumbo7.5%7.662%—Nov 2, 2026Visit
    Visit FEDCHOICE's rates page

    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 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.

    District of ColumbiaMarylandNorth CarolinaPennsylvaniaVirginia

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

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