Home state: Massachusetts

    NESC mortgage rates

    NESC's lowest publicly advertised 30-year fixed rate today is 6% — the national average is 6.805%. That's about $75,899 saved over the life of a $400,000, 30-year loan. We track NESC daily and refresh rates every morning.

    Rates as of Sep 8, 2026

    Today's rates from NESC

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6%6.006%Sep 8, 2026Visit
    20 Year Fixed5.75%5.758%Sep 8, 2026Visit
    15 Year Fixed5.5%5.556%Sep 8, 2026Visit
    5 Year ARM5.5%5.736%Sep 8, 2026Visit

    Rate history

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

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

    Who can join NESC

    Membership is open to anyone who lives, works, worships, or attends school in Essex or Middlesex counties (MA) or Rockingham or Hillsborough counties (NH), or in any of the specific MA and NH cities and towns listed on NESC's eligibility page. Immediate family members of current members are also eligible.

    County
    Essex County, MA, Middlesex County, MA, Rockingham County, NH, Hillsborough County, NH
    City
    Amesbury, MA, Andover, MA, Billerica, MA, Boxford, MA, Burlington, MA, Byfield, MA, Chelmsford, MA, Dracut, MA, Georgetown, MA, Groveland, MA, Hathorne, MA, Haverhill, MA

    Where NESC writes mortgages

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

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

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