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    GULF mortgage rates

    GULF's lowest publicly advertised 30-year fixed rate today is 6% — the national average is 6.88%. That's about $83,106 saved over the life of a $400,000, 30-year loan. We track GULF daily and refresh rates every morning.

    Today's rates from GULF

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6%6.204%0Sep 11, 2026Visit
    20 Year Fixed5.75%6.019%0Sep 11, 2026Visit
    15 Year Fixed5.5%5.836%0Sep 11, 2026Visit
    10 Year Fixed5.25%5.724%0Sep 11, 2026Visit
    10 Year Fixed Refinance5.25%5.724%0Sep 11, 2026Visit
    15 Year Fixed Refinance5.5%5.836%0Sep 11, 2026Visit
    20 Year Fixed Refinance5.75%6.019%0Sep 11, 2026Visit
    30 Year Fixed Refinance6%6.204%0Sep 11, 2026Visit

    Rate history

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

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

    Who can join GULF

    Membership is open to anyone who lives, works, worships, or attends school in Jefferson, Hardin, Orange, Chambers, Polk, Jasper, Liberty, Newton, and Tyler counties, as well as the Bolivar Peninsula, or by joining the Cornerstone Credit Union Foundation.

    Association / SEG
    Cornerstone Credit Union Foundation
    County
    Jefferson County, TX, Hardin County, TX, Orange County, TX, Chambers County, TX, Polk County, TX, Jasper County, TX, Liberty County, TX, Newton County, TX, Tyler County, TX
    City
    Bolivar Peninsula, TX

    Where GULF writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with GULF.

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

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