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    Credit union mortgage rates
    Home state: Michigan
    Lends in 1 state

    SOUTH CENTRAL mortgage rates

    SOUTH CENTRAL's lowest publicly advertised 30-year fixed rate today is 6.912% APR — the national average is 7.147%. That's about $22,754 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 SOUTH CENTRAL's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from SOUTH CENTRAL

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.75%6.912%—Nov 2, 2026Visit
    15 Year Fixed6.375%6.612%—Nov 2, 2026Visit
    5 Year ARM6%6.608%—Nov 2, 2026Visit
    7 Year ARM6.125%6.502%—Nov 2, 2026Visit
    15 Year Fixed Refinance6.375%6.612%—Nov 2, 2026Visit
    30 Year Fixed Refinance6.75%6.925%—Nov 2, 2026Visit
    Visit SOUTH CENTRAL'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 SOUTH CENTRAL

    Membership is open to anyone who lives, works, worships, or attends school in the Michigan counties of Branch, Calhoun, Eaton, Hillsdale, Ingham, Jackson, Lenawee, Livingston, and Washtenaw. Additionally, employees of the City or County of Jackson, several local townships, Michigan Railroaders, and many Select Employee Groups are eligible, along with immediate family of current members.

    Employer
    City of Jackson, MI, County of Jackson, MI, Michigan Railroaders, Township of Blackman, MI, Township of Leoni, MI, Township of Summit, MI, South Central Credit Union
    County
    Branch County, MI, Calhoun County, MI, Eaton County, MI, Hillsdale County, MI, Ingham County, MI, Jackson County, MI, Lenawee County, MI, Livingston County, MI, Washtenaw County, MI

    Where SOUTH CENTRAL writes mortgages

    SOUTH CENTRAL publishes mortgage lending in 1 state.

    Michigan

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

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