Home state: Minnesota

    MY mortgage rates

    MY's lowest publicly advertised 30-year fixed rate today is 6.75% — the national average is 6.88%. That's about $12,477 saved over the life of a $400,000, 30-year loan. We track MY daily and refresh rates every morning.

    Today's rates from MY

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.75%7.013%0Sep 10, 2026Visit
    20 Year Fixed7.25%7.451%0Sep 10, 2026Visit
    15 Year Fixed6.875%7.081%0Sep 10, 2026Visit
    10 Year Fixed6.875%7.115%0Sep 10, 2026Visit

    Rate history

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

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

    Who can join MY

    MY CREDIT UNION serves individuals who live, work, worship, or attend school in 15 Minnesota counties, including Hennepin, Ramsey, and Dakota. Membership is also open to members of the National Cosmetology Association of Minnesota, the Bloomington Crime Prevention Association, and donors to the MY CREDIT UNION Community Foundation.

    Association / SEG
    National Cosmetology Association of Minnesota, Bloomington Crime Prevention Association, MY CREDIT UNION Community Foundation
    County
    Hennepin County, MN, Scott County, MN, Dakota County, MN, Rice County, MN, Carver County, MN, Le Sueur County, MN, Ramsey County, MN, Washington County, MN, Goodhue County, MN, Dodge County, MN, Steele County, MN, Waseca County, MN

    Where MY writes mortgages

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

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

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