Home state: Massachusetts
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    FIRST CITIZENS' mortgage rates

    FIRST CITIZENS''s lowest publicly advertised 30-year fixed rate today is 6.069% APR — the national average is 7.147%. That's about $102,543 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 CITIZENS''s rates every weekday, starting around 11 a.m. Central.

    We last read FIRST CITIZENS''s rates page on Nov 2, 2026. FIRST CITIZENS' dates its published rate sheet Sep 17, 2026.

    Today's rates from FIRST CITIZENS'

    ProductRateAPRPointsWe readSource
    30 Year Fixed6%6.069%—Nov 2, 2026
    Lender's sheet dated Sep 17, 2026
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    20 Year Fixed6%6.092%—Nov 2, 2026
    Lender's sheet dated Sep 17, 2026
    Visit
    15 Year Fixed6%6.116%—Nov 2, 2026
    Lender's sheet dated Sep 17, 2026
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    10 Year Fixed6%6.164%—Nov 2, 2026
    Lender's sheet dated Sep 17, 2026
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    1 Year ARM5%5.065%—Nov 2, 2026
    Lender's sheet dated Sep 17, 2026
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    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 CITIZENS'

    Membership is open to anyone who lives, works, worships, or attends school in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk Counties in Massachusetts.

    County
    Bristol County, MA, Plymouth County, MA, Barnstable County, MA, Dukes County, MA, Nantucket County, MA, Norfolk County, MA

    Where FIRST CITIZENS' writes mortgages

    FIRST CITIZENS' publishes mortgage lending in 1 state.

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

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