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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 6.788% APR — the national average is 7.147%. That's about $34,672 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 FORTERA's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from FORTERA

    FORTERA publishes its mortgage rates through a quote tool, not a rate table.

    The tool shows nothing until you enter loan details, so the rates below are the quotes it returned for our standard scenario: Purpose: Purchase; Home price: $450,000; Loan amount: $360,000; Down payment: 20%; Credit score: 780; Property: Single-family home, primary residence; ZIP: 37220; Assumed income: $4,000/month. Your own quote will differ if your details do. Because these figures come from our inputs rather than FORTERA's own published table, they're left out of "lowest rate" callouts and #1 spots, but still appear in every table.

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.5%6.788%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Purchase
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 37220
    • Assumed income: $4,000/month
    		1.72Nov 2, 2026Visit
    20 Year Fixed6.125%6.466%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Purchase
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 37220
    • Assumed income: $4,000/month
    		1.465Nov 2, 2026Visit
    15 Year Fixed5.625%6.08%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Purchase
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 37220
    • Assumed income: $4,000/month
    		1.675Nov 2, 2026Visit
    VA 30 Year Fixed6.25%6.52%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Purchase
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 37220
    • Assumed income: $4,000/month
    		1.345Nov 2, 2026Visit
    VA 20 Year Fixed5.75%6.143%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Purchase
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 37220
    • Assumed income: $4,000/month
    		1.678Nov 2, 2026Visit
    VA 15 Year Fixed5.375%5.865%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Purchase
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 37220
    • Assumed income: $4,000/month
    		1.675Nov 2, 2026Visit
    15 Year Fixed Refinance5.625%6.08%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Refinance
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 37220
    • Assumed income: $4,000/month
    		1.675Nov 2, 2026Visit
    20 Year Fixed Refinance6.125%6.482%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Refinance
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 37220
    • Assumed income: $4,000/month
    		1.59Nov 2, 2026Visit
    30 Year Fixed Refinance6.625%6.876%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Refinance
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 37220
    • Assumed income: $4,000/month
    		1.328Nov 2, 2026Visit
    VA 15 Year Fixed Refinance5.375%5.747%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Refinance
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 37220
    • Assumed income: $4,000/month
    		1.675Nov 2, 2026Visit
    VA 20 Year Fixed Refinance5.75%6.049%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Refinance
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 37220
    • Assumed income: $4,000/month
    		1.678Nov 2, 2026Visit
    VA 30 Year Fixed Refinance6.25%6.448%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Refinance
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 37220
    • Assumed income: $4,000/month
    		1.345Nov 2, 2026Visit
    Visit FORTERA'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 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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