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    Credit union mortgage rates
    Home state: Oregon
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    Lends in 3 states

    ROGUE mortgage rates

    ROGUE's lowest publicly advertised 30-year fixed rate today is 6.816% APR — the national average is 7.147%. That's about $31,986 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read ROGUE's rates every weekday, starting around 11 a.m. Central.

    We last read ROGUE's rates page on Nov 2, 2026.

    Today's rates from ROGUE

    ROGUE publishes its mortgage rates through a quote tool, not a rate table.

    The tool shows nothing until you enter loan details, so the rates below are the quotes it returned for our standard scenario: Purpose: Purchase; Home price: $450,000; Loan amount: $360,000; Down payment: 20%; Credit score: 780; Property: Single-family home, primary residence; ZIP: 97501; Assumed income: $12,000/month. Your own quote will differ if your details do. Because these figures come from our inputs rather than ROGUE's own published table, they're left out of "lowest rate" callouts and #1 spots, but still appear in every table.

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.625%6.816%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Purchase
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 97501
    • Assumed income: $12,000/month
    		1.75Nov 2, 2026Visit
    20 Year Fixed6.5%6.701%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Purchase
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 97501
    • Assumed income: $12,000/month
    		1.375Nov 2, 2026Visit
    15 Year Fixed6.125%6.394%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Purchase
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 97501
    • Assumed income: $12,000/month
    		1.5Nov 2, 2026Visit
    5 Year ARM5.875%6.39%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Purchase
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 97501
    • Assumed income: $12,000/month
    		1.375Nov 2, 2026Visit
    7 Year ARM6.125%6.447%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Purchase
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 97501
    • Assumed income: $12,000/month
    		1.375Nov 2, 2026Visit
    10 Year ARM6.375%6.562%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Purchase
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 97501
    • Assumed income: $12,000/month
    		1.375Nov 2, 2026Visit
    FHA 30 Year Fixed6.375%7.08%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Purchase
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 97501
    • Assumed income: $12,000/month
    		1.375Nov 2, 2026Visit
    VA 30 Year Fixed6.875%7.144%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Purchase
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 97501
    • Assumed income: $12,000/month
    		1.25Nov 2, 2026Visit
    VA 15 Year Fixed6.375%7.013%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Purchase
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 97501
    • Assumed income: $12,000/month
    		2.5Nov 2, 2026Visit
    USDA 30 Year Fixed6.375%6.998%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Purchase
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 97501
    • Assumed income: $12,000/month
    		1.375Nov 2, 2026Visit
    10 Year ARM Refinance6.375%6.586%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Refinance
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 97501
    • Assumed income: $12,000/month
    		1.625Nov 2, 2026Visit
    15 Year Fixed Refinance6.125%6.394%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Refinance
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 97501
    • Assumed income: $12,000/month
    		1.5Nov 2, 2026Visit
    20 Year Fixed Refinance6.5%6.717%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Refinance
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 97501
    • Assumed income: $12,000/month
    		1.5Nov 2, 2026Visit
    30 Year Fixed Refinance6.75%6.905%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Refinance
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 97501
    • Assumed income: $12,000/month
    		1.375Nov 2, 2026Visit
    5 Year ARM Refinance5.875%6.414%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Refinance
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 97501
    • Assumed income: $12,000/month
    		1.625Nov 2, 2026Visit
    7 Year ARM Refinance6.125%6.471%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Refinance
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 97501
    • Assumed income: $12,000/month
    		1.625Nov 2, 2026Visit
    FHA 30 Year Fixed Refinance6.375%7.08%
    Quoted scenario

    This lender publishes rates only through a quote tool. We entered these details to get this number:

    • Purpose: Refinance
    • Home price: $450,000
    • Loan amount: $360,000
    • Down payment: 20%
    • Credit score: 780
    • Property: Single-family home, primary residence
    • ZIP: 97501
    • Assumed income: $12,000/month
    		1.375Nov 2, 2026Visit
    Visit ROGUE'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 ROGUE

    Membership at Rogue Credit Union is available to anyone in the United States by joining the Rogue Charitable Foundation. Additionally, membership is open to individuals who live or work in select counties in Oregon and Idaho.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    County
    OR:Benton, OR:Clackamas, OR:Clatsop, OR:Columbia, OR:Coos, OR:Crook, OR:Curry, OR:Deschutes, OR:Douglas, OR:Gilliam, OR:Harney, OR:Hood River…

    Where ROGUE writes mortgages

    ROGUE publishes mortgage lending in 3 states.

    CaliforniaIdahoOregon

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

    Not sure if ROGUE is your best fit?

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