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    Credit union mortgage rates
    Home state: Massachusetts
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    LUSO mortgage rates

    LUSO's lowest publicly advertised 30-year fixed rate today is 6.722% APR — the national average is 7.147%. That's about $40,991 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 LUSO's rates every weekday, starting around 11 a.m. Central.

    We last read LUSO's rates page on Nov 2, 2026. LUSO dates its published rate sheet Nov 2, 2026.

    Today's rates from LUSO

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.625%6.722%0Nov 2, 2026Visit
    20 Year Fixed6.5%6.877%2Nov 2, 2026Visit
    15 Year Fixed6.5%6.658%0Nov 2, 2026Visit
    10 Year Fixed6.25%6.471%0Nov 2, 2026Visit
    5 Year ARM5.375%7.145%0Nov 2, 2026Visit
    7 Year ARM5.375%6.529%0Nov 2, 2026Visit
    10 Year ARM5.75%7.166%0Nov 2, 2026Visit
    30 Year Fixed Jumbo7.125%7.143%0Nov 2, 2026Visit
    20 Year Fixed Jumbo7.25%7.276%0Nov 2, 2026Visit
    15 Year Fixed Jumbo7%7.031%0Nov 2, 2026Visit
    10 Year Fixed Jumbo6.75%6.794%0Nov 2, 2026Visit
    5 Year ARM Jumbo5.875%7.328%0Nov 2, 2026Visit
    7 Year ARM Jumbo5.875%6.951%0Nov 2, 2026Visit
    10 Year ARM Jumbo6.25%7.348%0Nov 2, 2026Visit
    Visit LUSO'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 LUSO

    Membership is open to anyone who lives, works, worships, or attends school in Hampden County, Massachusetts. Immediate family members of current credit union members are also eligible to join.

    County
    Hampden County, MA

    Where LUSO writes mortgages

    LUSO publishes mortgage lending in 1 state.

    Massachusetts

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

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