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    GULF mortgage rates

    GULF's lowest publicly advertised 30-year fixed rate today is 6.204% APR — the national average is 7.147%. That's about $89,965 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 GULF's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from GULF

    ProductRateAPRPointsWe readSource
    30 Year Fixed6%6.204%—Nov 2, 2026Visit
    20 Year Fixed5.75%6.019%—Nov 2, 2026Visit
    15 Year Fixed5.5%5.836%—Nov 2, 2026Visit
    10 Year Fixed5.25%5.724%—Nov 2, 2026Visit
    10 Year Fixed Refinance5.25%5.724%—Nov 2, 2026Visit
    15 Year Fixed Refinance5.5%5.836%—Nov 2, 2026Visit
    20 Year Fixed Refinance5.75%6.019%—Nov 2, 2026Visit
    30 Year Fixed Refinance6%6.204%—Nov 2, 2026Visit

    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 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

    GULF publishes mortgage lending in 1 state.

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

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