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    Home state: Georgia
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    GEORGIA'S OWN mortgage rates

    GEORGIA'S OWN's lowest publicly advertised 30-year fixed rate today is 6.823% APR — the national average is 7.147%. That's about $31,314 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 GEORGIA'S OWN's rates every weekday, starting around 11 a.m. Central.

    We last read GEORGIA'S OWN's rates page on Nov 2, 2026.

    Today's rates from GEORGIA'S OWN

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.75%6.823%—Nov 2, 2026Visit
    20 Year Fixed6.25%6.344%—Nov 2, 2026Visit
    15 Year Fixed6.375%6.494%—Nov 2, 2026Visit
    5 Year ARM5.875%5.944%—Nov 2, 2026Visit
    FHA 30 Year Fixed6.75%6.823%—Nov 2, 2026Visit
    VA 30 Year Fixed6.875%6.948%—Nov 2, 2026Visit
    USDA 30 Year Fixed6.75%6.823%—Nov 2, 2026Visit
    Visit GEORGIA'S OWN'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 GEORGIA'S OWN

    Membership in Georgia's Own Credit Union is open to those who live or work in 77 specified counties across Georgia, including Appling, Atkinson, Bacon, Baker, Barrow, Bartow, and Ben Hill. Individuals can also join through membership with the Credit Union Impact Foundation, or by current or past affiliation (enrollment or employment) with Georgia State University. Anyone related by blood, adoption, or marriage to an existing member is eligible, as are employees or retirees of over 600 partner companies throughout Georgia. Mortgages are originated through MemberFirst Mortgage.

    Employer
    600+ partner companies throughout Georgia (employees and retirees)
    Family of a member
    Related by blood, adoption, or marriage to a current member
    County
    Appling, GA, Atkinson, GA, Bacon, GA, Baker, GA, Barrow, GA, Bartow, GA, Ben Hill, GA, Bleckley, GA, Brantley, GA, Brooks, GA, Bryan, GA, Calhoun, GA…

    Where GEORGIA'S OWN writes mortgages

    GEORGIA'S OWN publishes mortgage lending in 1 state.

    Georgia

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

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