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    NIAGARA'S CHOICE mortgage rates

    NIAGARA'S CHOICE's lowest publicly advertised 30-year fixed rate today is 6.625% — the national average is 6.805%. That's about $17,204 saved over the life of a $400,000, 30-year loan. We track NIAGARA'S CHOICE daily and refresh rates every morning.

    Rates as of Sep 8, 2026

    Today's rates from NIAGARA'S CHOICE

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.625%6.772%0Sep 8, 2026Visit
    20 Year Fixed6.875%7.073%0Sep 8, 2026Visit
    15 Year Fixed6.375%6.484%0Sep 8, 2026Visit
    FHA 30 Year Fixed6.5%7.442%0Sep 8, 2026Visit
    VA 30 Year Fixed6.625%7.038%0Sep 8, 2026Visit
    USDA 30 Year Fixed6.375%7.037%0Sep 8, 2026Visit
    Visit NIAGARA'S CHOICE's rates page

    Rate history

    Lowest daily rate NIAGARA'S CHOICE advertised for each product, past 90 days.

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

    Who can join NIAGARA'S CHOICE

    Membership is open to anyone who lives, works, worships, or attends school in Niagara County or Erie County, NY. Family members of current members are also eligible to join.

    County
    Niagara County, NY, Erie County, NY

    Where NIAGARA'S CHOICE writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with NIAGARA'S CHOICE.

    New York

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

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