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    Home state: Pennsylvania
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    G.A.P. mortgage rates

    G.A.P.'s lowest publicly advertised 30-year fixed rate today is 7.064% APR — the national average is 7.147%. That's about $8,061 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 G.A.P.'s rates every weekday, starting around 11 a.m. Central.

    We last read G.A.P.'s rates page on Nov 2, 2026.

    Today's rates from G.A.P.

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.75%7.064%2.21Nov 2, 2026Visit
    20 Year Fixed7.125%7.247%0Nov 2, 2026Visit
    15 Year Fixed6.875%7.025%0Nov 2, 2026Visit
    10 Year Fixed6.875%7.086%0Nov 2, 2026Visit
    5 Year ARM6.725%7.427%1.5Nov 2, 2026Visit
    7 Year ARM6.5%7.242%1.78Nov 2, 2026Visit
    10 Year ARM6.975%7.495%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%7.423%0.25Nov 2, 2026Visit
    15 Year Fixed Jumbo6.5%6.536%0Nov 2, 2026Visit
    Visit G.A.P.'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 G.A.P.

    G.A.P. Federal Credit Union serves employees of numerous partner businesses and members of specific associations throughout Pennsylvania, including parts of Cambria, Butler, and Blair counties. Immediate family and household members of current members are also eligible to join.

    Employer
    A & D Remodeling, Advanced Cutting Systems Corp, Advantage Auto Service, Alliance for Nonprofit Resources, Babo’s Motors Inc, Bassett Masonry, Inc, Bearer Appliance, Bedford Post Office, Bird’s Construction, Borough of Northern Cambria, Brent Optical, Inc., Bruce Nurseries…
    Association / SEG
    Altoona Disabled American Veterans, American Legion, Calvary Church of Patton
    Military / veteran
    US Army, DoD

    Where G.A.P. writes mortgages

    G.A.P. 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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