Home state: Michigan

    JOLT mortgage rates

    JOLT's lowest publicly advertised 30-year fixed rate today is 5.75% — the national average is 6.88%. That's about $106,114 saved over the life of a $400,000, 30-year loan. We track JOLT daily and refresh rates every morning.

    Today's rates from JOLT

    ProductRateAPRPointsAs ofSource
    30 Year Fixed5.75%6.255%Sep 11, 2026Visit
    20 Year Fixed6.5%7.102%Sep 11, 2026Visit
    15 Year Fixed5.875%6.542%Sep 11, 2026Visit

    Rate history

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

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

    Who can join JOLT

    You can join Jolt Credit Union if you live, work, worship, or attend school in one of 19 eligible Michigan counties, including Saginaw, Bay, and Midland. Eligibility is also extended to employees of the credit union and family members of current account holders.

    Employer
    Jolt Credit Union
    County
    Bay County, MI, Saginaw County, MI, Midland County, MI, Gratiot County, MI, Gladwin County, MI, Isabella County, MI, Clare County, MI, Arenac County, MI, Tuscola County, MI, Huron County, MI, Sanilac County, MI, Osceola County, MI

    Where JOLT writes mortgages

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

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

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