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    SAINT LAWRENCE mortgage rates

    SAINT LAWRENCE's lowest publicly advertised 30-year fixed rate today is 7% APR — the national average is 7.147%. That's about $14,258 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 SAINT LAWRENCE's rates every weekday, starting around 11 a.m. Central.

    We last read SAINT LAWRENCE's rates page on Nov 2, 2026. SAINT LAWRENCE dates its published rate sheet Oct 1, 2026.

    Today's rates from SAINT LAWRENCE

    ProductRateAPRPointsWe readSource
    30 Year Fixed7%7%0Nov 2, 2026
    Lender's sheet dated Oct 1, 2026
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    20 Year Fixed6.75%6.75%0Nov 2, 2026
    Lender's sheet dated Oct 1, 2026
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    15 Year Fixed6%6%0Nov 2, 2026
    Lender's sheet dated Oct 1, 2026
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    10 Year Fixed5.75%5.75%0Nov 2, 2026
    Lender's sheet dated Oct 1, 2026
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    3 Year ARM5%5%0Nov 2, 2026
    Lender's sheet dated Oct 1, 2026
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    5 Year ARM5.25%—Lender publishes rate only0Nov 2, 2026
    Lender's sheet dated Oct 1, 2026
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    7 Year ARM5.5%—Lender publishes rate only0Nov 2, 2026
    Lender's sheet dated Oct 1, 2026
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    10 Year ARM5.75%5.75%0Nov 2, 2026
    Lender's sheet dated Oct 1, 2026
    Visit
    1 Year ARM4.75%—Lender publishes rate only0Nov 2, 2026
    Lender's sheet dated Oct 1, 2026
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    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 SAINT LAWRENCE

    St. Lawrence Federal Credit Union is open to individuals who live, work, worship, or attend school in one of twelve New York counties, including St. Lawrence, Clinton, Jefferson, and Oneida counties.

    County
    St. Lawrence County, NY, Clinton County, NY, Essex County, NY, Franklin County, NY, Fulton County, NY, Hamilton County, NY, Herkimer County, NY, Jefferson County, NY, Lewis County, NY, Oneida County, NY, Oswego County, NY, Warren County, NY

    Where SAINT LAWRENCE writes mortgages

    SAINT LAWRENCE publishes mortgage lending in 1 state.

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

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