Home state: New Hampshire
    Open membership
    Lends in 49 states

    SERVICE mortgage rates

    SERVICE's lowest publicly advertised 30-year fixed rate today is 6.25% — the national average is 6.88%. That's about $59,826 saved over the life of a $400,000, 30-year loan. We track SERVICE daily and refresh rates every morning.

    Today's rates from SERVICE

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.25%6.358%0.5Sep 11, 2026Visit
    5 Year ARM5.25%5.996%0.625Sep 11, 2026Visit
    VA 30 Year Fixed6.25%6.564%1.125Sep 11, 2026Visit

    Rate history

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

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

    Who can join SERVICE

    Service Credit Union offers nationwide membership to anyone in the U.S. who joins the American Consumer Council or the Financial Fitness Association for free. It also primarily serves active duty military, veterans, Department of Defense employees, and their families.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Association / SEG
    American Consumer Council, Financial Fitness Association
    Military / veteran
    all US military, DoD

    Where SERVICE writes mortgages

    SERVICE publishes mortgage lending in 49 states.

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

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