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    ON THE GRID FINANCIAL mortgage rates

    ON THE GRID FINANCIAL's lowest publicly advertised 30-year fixed rate today is 6.875% — the national average is 6.88%. That's about $481 saved over the life of a $400,000, 30-year loan. We track ON THE GRID FINANCIAL daily and refresh rates every morning.

    Rates as of Sep 10, 2026

    Today's rates from ON THE GRID FINANCIAL

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.875%7.138%0Sep 10, 2026Visit
    15 Year Fixed6.625%7.05%0Sep 10, 2026Visit
    5 Year ARM5.25%6.493%0Sep 10, 2026Visit
    7 Year ARM5.5%6.489%0Sep 10, 2026Visit
    10 Year ARM5.75%6.478%0Sep 10, 2026Visit
    FHA 30 Year Fixed6.75%7.879%0Sep 10, 2026Visit
    VA 30 Year Fixed6.75%7.2%0Sep 10, 2026Visit
    USDA 30 Year Fixed6.75%7.447%0Sep 10, 2026Visit
    10 Year ARM Refinance5.75%6.478%0Sep 10, 2026Visit
    15 Year Fixed Refinance6.625%7.05%0Sep 10, 2026Visit
    30 Year Fixed Refinance7%7.265%0Sep 10, 2026Visit
    5 Year ARM Refinance5.25%6.493%0Sep 10, 2026Visit
    7 Year ARM Refinance5.5%6.489%0Sep 10, 2026Visit
    FHA 30 Year Fixed Refinance6.75%7.879%0Sep 10, 2026Visit
    USDA 30 Year Fixed Refinance6.75%7.447%0Sep 10, 2026Visit
    VA 30 Year Fixed Refinance6.75%7.2%0Sep 10, 2026Visit
    Visit ON THE GRID FINANCIAL's rates page

    Rate history

    Lowest daily rate ON THE GRID FINANCIAL advertised for each product, past 90 days.

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

    Who can join ON THE GRID FINANCIAL

    Membership is open to employees and retirees of the electric utilities industry in Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia, as well as their immediate family and household members.

    Where ON THE GRID FINANCIAL writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with ON THE GRID FINANCIAL.

    AlabamaArkansasFloridaGeorgiaKentuckyLouisianaMississippiNorth CarolinaSouth CarolinaTennesseeVirginia

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

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