CU RateFinder
    Credit union mortgage rates
    Home state: Pennsylvania
    Lends in 1 state

    SPIRIT FINANCIAL mortgage rates

    SPIRIT FINANCIAL's lowest publicly advertised 30-year fixed rate today is 7.052% APR — the national average is 7.147%. That's about $9,224 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 SPIRIT FINANCIAL's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from SPIRIT FINANCIAL

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.75%7.052%2.21Nov 2, 2026Visit
    20 Year Fixed7.125%7.23%0Nov 2, 2026Visit
    15 Year Fixed6.875%7.005%0Nov 2, 2026Visit
    10 Year Fixed6.875%7.057%0Nov 2, 2026Visit
    5 Year ARM6.725%7.415%1.5Nov 2, 2026Visit
    7 Year ARM6.5%7.23%1.78Nov 2, 2026Visit
    10 Year ARM6.975%7.482%2.51Nov 2, 2026Visit
    FHA 30 Year Fixed6.875%7.581%0Nov 2, 2026Visit
    FHA 15 Year Fixed6.5%7.312%0.74Nov 2, 2026Visit
    VA 30 Year Fixed7%7.266%0Nov 2, 2026Visit
    VA 15 Year Fixed6.5%7.126%1.21Nov 2, 2026Visit
    30 Year Fixed Jumbo7.375%7.42%0.25Nov 2, 2026Visit
    15 Year Fixed Jumbo6.5%6.531%0Nov 2, 2026Visit
    Visit SPIRIT FINANCIAL'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 SPIRIT FINANCIAL

    Membership is open to anyone who lives, works, worships, or attends school in Bucks County, Pennsylvania. Family members of current credit union members are also eligible to join.

    Employer
    United States Steel Corporation
    County
    Bucks County, PA

    Where SPIRIT FINANCIAL writes mortgages

    SPIRIT FINANCIAL publishes mortgage lending in 1 state.

    Pennsylvania

    Pennsylvania counties where SPIRIT FINANCIAL serves members

    Bucks County, PA

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

    Not sure if SPIRIT FINANCIAL is your best fit?

    Compare every credit union you can actually join

    Enter your ZIP to see every credit union — including SPIRIT FINANCIAL if you qualify — ranked by today's rate.

    Get notified when SPIRIT FINANCIAL's 30 Year Fixed rate changes
    Optional. No weekly digests, no spam — one email only when rates actually move. Manage or unsubscribe anytime.
    Advanced: adjust thresholds
    bps (0.10%)
    Optional. Emails when the rate reaches this level.

    More credit unions in Pennsylvania

    See all Pennsylvania credit union mortgage rates