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    G.P.O. mortgage rates

    G.P.O.'s lowest publicly advertised 30-year fixed rate today is 6.625% — the national average is 6.88%. That's about $24,411 saved over the life of a $400,000, 30-year loan. We track G.P.O. daily and refresh rates every morning.

    Rates as of Sep 8, 2026

    Today's rates from G.P.O.

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.625%6.772%0Sep 8, 2026Visit
    20 Year Fixed6.875%7.073%0Sep 8, 2026Visit
    15 Year Fixed6.375%6.484%0Sep 8, 2026Visit
    FHA 30 Year Fixed6.5%7.442%0Sep 8, 2026Visit
    VA 30 Year Fixed6.625%7.038%0Sep 8, 2026Visit
    USDA 30 Year Fixed6.375%7.037%0Sep 8, 2026Visit
    Visit G.P.O.'s rates page

    Rate history

    Lowest daily rate G.P.O. advertised for each product, past 90 days.

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

    Who can join G.P.O.

    GPO Federal Credit Union is open to individuals who live, work, worship, or attend school in Oneida, Herkimer, Madison, Otsego, Fulton, or Montgomery counties in New York. Family members of current GPO members are also eligible to join.

    County
    Oneida County, NY, Herkimer County, NY, Madison County, NY, Otsego County, NY, Fulton County, NY, Montgomery County, NY

    Where G.P.O. writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with G.P.O..

    New York

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

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