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    MEMBERSFIRST mortgage rates

    MEMBERSFIRST's lowest publicly advertised 30-year fixed rate today is 6.875% — the national average is 6.88%. That's about $481 saved over the life of a $400,000, 30-year loan. We track MEMBERSFIRST daily and refresh rates every morning.

    Rates as of Sep 10, 2026

    Today's rates from MEMBERSFIRST

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.875%7.138%0Sep 10, 2026Visit
    15 Year Fixed6.625%7.05%0Sep 10, 2026Visit
    5 Year ARM5.25%6.493%0Sep 10, 2026Visit
    7 Year ARM5.5%6.489%0Sep 10, 2026Visit
    10 Year ARM5.75%6.478%0Sep 10, 2026Visit
    FHA 30 Year Fixed6.75%7.879%0Sep 10, 2026Visit
    VA 30 Year Fixed6.75%7.2%0Sep 10, 2026Visit
    USDA 30 Year Fixed6.75%7.447%0Sep 10, 2026Visit
    10 Year ARM Refinance5.75%6.478%0Sep 10, 2026Visit
    15 Year Fixed Refinance6.625%7.05%0Sep 10, 2026Visit
    30 Year Fixed Refinance7%7.265%0Sep 10, 2026Visit
    5 Year ARM Refinance5.25%6.493%0Sep 10, 2026Visit
    7 Year ARM Refinance5.5%6.489%0Sep 10, 2026Visit
    FHA 30 Year Fixed Refinance6.75%7.879%0Sep 10, 2026Visit
    USDA 30 Year Fixed Refinance6.75%7.447%0Sep 10, 2026Visit
    VA 30 Year Fixed Refinance6.75%7.2%0Sep 10, 2026Visit
    Visit MEMBERSFIRST's rates page

    Rate history

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

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

    Who can join MEMBERSFIRST

    Membership is available to those who live or work in Bryan, Chatham, Cobb, DeKalb, Douglas, Effingham, or Paulding counties, as well as the city of Sandy Springs. Eligibility also extends to employees of numerous Georgia healthcare systems, schools, and participating partner organizations, along with their family members.

    Employer
    WellStar Health System, Emory Healthcare Decatur, Piedmont Healthcare, St. Joseph’s/Candler Healthcare, Douglas County Board of Education, Paulding County Board of Education, Savannah State University, DeKalb General Nursing Home, Cartersville Medical Center, Presbyterian Village – Austell, Atherton Place, SavaSeniorCare Facilities…
    Association / SEG
    Georgia Hospital Association, Crusselle Freeman Church of the Deaf, Eastside Elementary School PTA, Hiram Elementary School PTA, Poole Elementary PTA, Nebo Elementary PTA, Grace Baptist Christian School, Cumberland Christian Academy, Memorial Day School, Calvary Day School, Savannah Christian Day School
    County
    Bryan County, GA, Chatham County, GA, Cobb County, GA, DeKalb County, GA, Douglas County, GA, Effingham County, GA, Paulding County, GA
    City
    Sandy Springs, GA, Hiram, GA

    Where MEMBERSFIRST writes mortgages

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

    Georgia

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

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