Home state: Michigan

    FINANCIAL PLUS mortgage rates

    FINANCIAL PLUS's lowest publicly advertised 30-year fixed rate today is 5.75% — the national average is 6.88%. That's about $106,114 saved over the life of a $400,000, 30-year loan. We track FINANCIAL PLUS daily and refresh rates every morning.

    Rates as of Dec 11, 2025

    Today's rates from FINANCIAL PLUS

    ProductRateAPRPointsAs ofSource
    30 Year Fixed5.75%5.891%0Sep 11, 2026Visit
    20 Year Fixed7.375%7.574%0Sep 11, 2026Visit
    15 Year Fixed6.875%7.116%0Sep 11, 2026Visit
    10 Year Fixed6.875%7.215%0Sep 11, 2026Visit
    FHA 30 Year Fixed6.75%7.636%0Sep 11, 2026Visit
    FHA 15 Year Fixed6.375%7.46%0Sep 11, 2026Visit
    USDA 30 Year Fixed6.75%7.361%0Sep 11, 2026Visit

    Rate history

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

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

    Who can join FINANCIAL PLUS

    Membership in Financial Plus Credit Union is open to anyone who lives, works, worships, or attends school in the entire state of Michigan. The credit union was originally founded by auto workers rooted in Genesee County.

    Where FINANCIAL PLUS writes mortgages

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

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

    Not sure if FINANCIAL PLUS is your best fit?

    Compare every credit union you can actually join

    Enter your ZIP to see every credit union — including FINANCIAL PLUS if you qualify — ranked by today's rate.

    Get notified when FINANCIAL PLUS's 30 Year Fixed rate changes
    Optional. No weekly digests, no spam — one email only when rates actually move. Manage or unsubscribe anytime.
    Advanced: adjust thresholds
    bps (0.10%)
    Optional. Emails when the rate reaches this level.

    More credit unions in Michigan

    See all Michigan credit union mortgage rates