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    MIAMI POSTAL SERVICE mortgage rates

    MIAMI POSTAL SERVICE's lowest publicly advertised 30-year fixed rate today is 7.057% APR — the national average is 7.147%. That's about $8,739 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 MIAMI POSTAL SERVICE's rates every weekday, starting around 11 a.m. Central.

    We last read MIAMI POSTAL SERVICE's rates page on Nov 2, 2026.

    Today's rates from MIAMI POSTAL SERVICE

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.75%7.057%2.26Nov 2, 2026Visit
    20 Year Fixed7.125%7.23%0Nov 2, 2026Visit
    15 Year Fixed7%7.13%0Nov 2, 2026Visit
    10 Year Fixed7%7.183%0Nov 2, 2026Visit
    5 Year ARM6.725%7.42%1.55Nov 2, 2026Visit
    7 Year ARM6.5%7.235%1.83Nov 2, 2026Visit
    10 Year ARM6.975%7.486%2.55Nov 2, 2026Visit
    FHA 30 Year Fixed6.75%7.432%0Nov 2, 2026Visit
    FHA 15 Year Fixed6.5%7.299%0.85Nov 2, 2026Visit
    VA 30 Year Fixed7%7.266%0Nov 2, 2026Visit
    VA 15 Year Fixed6.5%7.146%1.33Nov 2, 2026Visit
    30 Year Fixed Jumbo7.375%7.42%0.25Nov 2, 2026Visit
    15 Year Fixed Jumbo6.5%6.531%0Nov 2, 2026Visit
    Visit MIAMI POSTAL SERVICE'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 MIAMI POSTAL SERVICE

    Membership is open to individuals who live, work, or worship in Broward, Miami-Dade, Monroe, and Palm Beach counties in Florida. This geographic qualification has a limitation of 750 new members annually. Family members of existing members may also be eligible.

    County
    Broward County, FL, Miami-Dade County, FL, Monroe County, FL, Palm Beach County, FL

    Where MIAMI POSTAL SERVICE writes mortgages

    MIAMI POSTAL SERVICE publishes mortgage lending in 1 state.

    Florida

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

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