Home state: Michigan

    OUR mortgage rates

    OUR'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 OUR daily and refresh rates every morning.

    Rates as of Sep 11, 2026

    Today's rates from OUR

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.75%6.9%0.125Sep 11, 2026Visit
    15 Year Fixed6.25%6.465%Sep 11, 2026Visit
    5 Year ARM5.875%6.438%0.125Sep 11, 2026Visit
    7 Year ARM6%6.409%0.125Sep 11, 2026Visit

    Rate history

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

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

    Who can join OUR

    Membership at OUR Credit Union is open to anyone who lives, works, worships, or attends school in the state of Michigan.

    Where OUR writes mortgages

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

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

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