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    Credit union mortgage rates
    Home state: Tennessee
    Open membership
    Lends in 4 states

    FORTERA mortgage rates

    FORTERA's lowest publicly advertised 30-year fixed rate today is 6.5% — the national average is 6.88%. That's about $36,281 saved over the life of a $400,000, 30-year loan. We track FORTERA daily and refresh rates every morning.

    Today's rates from FORTERA

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.5%6.774%1.582Sep 11, 2026Visit
    20 Year Fixed6.25%6.579%1.364Sep 11, 2026Visit
    15 Year Fixed5.625%6.057%1.531Sep 11, 2026Visit
    VA 30 Year Fixed6.125%6.438%1.797Sep 11, 2026Visit
    VA 20 Year Fixed5.875%6.229%1.357Sep 11, 2026Visit
    VA 15 Year Fixed5.375%5.841%1.531Sep 11, 2026Visit
    15 Year Fixed Refinance5.625%6.057%1.531Sep 11, 2026Visit
    20 Year Fixed Refinance6.25%6.596%1.489Sep 11, 2026Visit
    30 Year Fixed Refinance6.5%6.787%1.707Sep 11, 2026Visit
    VA 15 Year Fixed Refinance5.375%5.724%1.531Sep 11, 2026Visit
    VA 20 Year Fixed Refinance5.875%6.134%1.357Sep 11, 2026Visit
    VA 30 Year Fixed Refinance6.125%6.365%1.797Sep 11, 2026Visit
    Visit FORTERA's rates page

    Rate history

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

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

    Who can join FORTERA

    Fortera Credit Union is open to anyone who lives, works, worships, or attends school in several counties across Tennessee and Kentucky, as well as select regions in Alabama and Arkansas. Additionally, nationwide eligibility is available through a qualifying association membership with no out-of-pocket cost to the member.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    County
    Montgomery County, TN, Stewart County, TN, Chester County, TN, Decatur County, TN, Lewis County, TN, McNairy County, TN, Perry County, TN, Christian County, KY, Trigg County, KY, Todd County, KY, McLean County, KY, Webster County, KY

    Where FORTERA writes mortgages

    FORTERA publishes mortgage lending in 4 states.

    AlabamaArkansasKentuckyTennessee

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

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