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    Credit union mortgage rates
    Home state: Pennsylvania
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    FIRST AREA mortgage rates

    FIRST AREA's lowest publicly advertised 30-year fixed rate today is 7.052% APR — the national average is 7.147%. That's about $9,224 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 FIRST AREA's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from FIRST AREA

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.75%7.052%2.21Nov 2, 2026Visit
    20 Year Fixed7.125%7.23%0Nov 2, 2026Visit
    15 Year Fixed6.875%7.005%0Nov 2, 2026Visit
    10 Year Fixed6.875%7.057%0Nov 2, 2026Visit
    5 Year ARM6.725%7.415%1.5Nov 2, 2026Visit
    7 Year ARM6.5%7.23%1.78Nov 2, 2026Visit
    10 Year ARM6.975%7.482%2.51Nov 2, 2026Visit
    FHA 30 Year Fixed6.875%7.581%0Nov 2, 2026Visit
    FHA 15 Year Fixed6.5%7.312%0.74Nov 2, 2026Visit
    VA 30 Year Fixed7%7.266%0Nov 2, 2026Visit
    VA 15 Year Fixed6.5%7.126%1.21Nov 2, 2026Visit
    30 Year Fixed Jumbo7.375%7.42%0.25Nov 2, 2026Visit
    15 Year Fixed Jumbo6.5%6.531%0Nov 2, 2026Visit
    Visit FIRST AREA'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 FIRST AREA

    Membership at FIRST AREA Federal Credit Union is open to individuals who live or work in Mifflin County, Pennsylvania. Once a person becomes a member, their immediate family members are also eligible to join. A Share Savings Account must be opened to establish membership.

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    Where FIRST AREA writes mortgages

    FIRST AREA publishes mortgage lending in 1 state.

    Pennsylvania

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

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