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    Credit union mortgage rates
    Home state: Michigan

    SOUTH CENTRAL mortgage rates

    SOUTH CENTRAL'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 SOUTH CENTRAL daily and refresh rates every morning.

    Today's rates from SOUTH CENTRAL

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.75%6.9%—Sep 11, 2026Visit
    15 Year Fixed6.25%6.465%—Sep 11, 2026Visit
    5 Year ARM6%6.563%—Sep 11, 2026Visit
    7 Year ARM6.125%6.534%—Sep 11, 2026Visit
    15 Year Fixed Refinance6.25%6.465%—Sep 11, 2026Visit
    30 Year Fixed Refinance6.75%6.912%—Sep 11, 2026Visit
    Visit SOUTH CENTRAL's rates page

    Rate history

    Lowest daily rate SOUTH CENTRAL advertised for each product, 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

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

    Michigan

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

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