CU RateFinder
    Credit union mortgage rates
    Home state: Missouri
    Lends in 2 states

    FIRST COMMUNITY mortgage rates

    FIRST COMMUNITY's lowest publicly advertised 30-year fixed rate today is 6.767% APR — the national average is 7.147%. That's about $36,685 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 COMMUNITY's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from FIRST COMMUNITY

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.75%6.767%0Nov 2, 2026Visit
    20 Year Fixed7%7.023%0Nov 2, 2026Visit
    15 Year Fixed6.75%6.778%0Nov 2, 2026Visit
    5 Year ARM5.5%6.048%0Nov 2, 2026Visit
    Visit FIRST COMMUNITY'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 COMMUNITY

    Membership is open to individuals who live or work in the St. Louis metropolitan area, including St. Louis, St. Charles, Jefferson, Franklin, Warren, and Lincoln counties in Missouri, as well as Madison, St. Clair, and Monroe counties in Illinois.

    County
    St. Louis County, MO, St. Louis City, MO, St. Charles County, MO, Jefferson County, MO, Franklin County, MO, Warren County, MO, Lincoln County, MO, Madison County, IL, St. Clair County, IL, Monroe County, IL

    Where FIRST COMMUNITY writes mortgages

    FIRST COMMUNITY publishes mortgage lending in 2 states.

    IllinoisMissouri

    Illinois counties where FIRST COMMUNITY serves members

    St. Clair County, ILMadison County, ILMonroe County, IL

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

    Not sure if FIRST COMMUNITY is your best fit?

    Compare every credit union you can actually join

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

    Get notified when FIRST COMMUNITY'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 Missouri

    See all Missouri credit union mortgage rates