Home state: Maryland

    FEDFINANCIAL mortgage rates

    FEDFINANCIAL's lowest publicly advertised 30-year fixed rate today is 6.468% — the national average is 6.88%. That's about $39,309 saved over the life of a $400,000, 30-year loan. We track FEDFINANCIAL daily and refresh rates every morning.

    Rates as of Sep 11, 2026

    Today's rates from FEDFINANCIAL

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.468%6.746%Sep 11, 2026Visit
    15 Year Fixed5.935%6.386%Sep 11, 2026Visit
    10 Year Fixed5.83%6.467%Sep 11, 2026Visit
    FHA 30 Year Fixed5.971%6.405%Sep 11, 2026Visit

    Rate history

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

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

    Who can join FEDFINANCIAL

    Membership is open to civilian federal government employees, retirees, and contractors working in the Washington, D.C. and Baltimore, MD metropolitan areas. Family members and household roommates of current members are also eligible to join, regardless of their location.

    Employer
    Civilian Federal government employees, Civilian Federal government retirees, Civilian Federal government contractors

    Where FEDFINANCIAL writes mortgages

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

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

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