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    Home state: Rhode Island
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    OCEAN STATE mortgage rates

    OCEAN STATE's lowest publicly advertised 30-year fixed rate today is 7.35% APR — the national average is 7.147%. We read OCEAN STATE's rates every weekday, starting around 11 a.m. Central.

    We last read OCEAN STATE's rates page on Nov 2, 2026. OCEAN STATE dates its published rate sheet Nov 2, 2026.

    Today's rates from OCEAN STATE

    ProductRateAPRPointsWe readSource
    30 Year Fixed7.25%7.35%0Nov 2, 2026Visit
    20 Year Fixed7%7.129%0Nov 2, 2026Visit
    15 Year Fixed6.75%6.909%0Nov 2, 2026Visit
    10 Year Fixed6.75%6.974%0Nov 2, 2026Visit
    5 Year ARM5.875%6.733%0Nov 2, 2026Visit
    7 Year ARM6.125%6.7%0Nov 2, 2026Visit
    FHA 30 Year Fixed7.625%8.715%0Nov 2, 2026Visit
    USDA 30 Year Fixed7%7.841%0Nov 2, 2026Visit
    5 Year ARM Jumbo6%6.782%0Nov 2, 2026Visit
    7 Year ARM Jumbo6.25%6.764%0Nov 2, 2026Visit
    Visit OCEAN STATE'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 OCEAN STATE

    Ocean State Credit Union is a statewide financial institution, meaning membership is open to anyone who lives, works, or attends school in Rhode Island.

    Where OCEAN STATE writes mortgages

    OCEAN STATE publishes mortgage lending in 1 state.

    Rhode Island

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

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