Home state: Minnesota

    ST. PAUL mortgage rates

    ST. PAUL's lowest publicly advertised 30-year fixed rate today is 6.625% — the national average is 6.88%. That's about $24,411 saved over the life of a $400,000, 30-year loan. We track ST. PAUL daily and refresh rates every morning.

    Today's rates from ST. PAUL

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.625%6.752%Sep 11, 2026Visit
    20 Year Fixed6.25%6.414%Sep 11, 2026Visit
    15 Year Fixed5.75%5.953%Sep 11, 2026Visit

    Rate history

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

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

    Who can join ST. PAUL

    St. Paul Federal Credit Union is open to those who live, work, worship, or attend school in the Minneapolis-St. Paul underserved areas. Eligibility also extends to federal employees in the region, members of various local labor unions including IBEW Locals 110 and 949, and immediate family members of current or eligible members.

    Employer
    Federal Public Defender’s Office, United States Attorney’s Office, United States Bankruptcy Court, United States Court of Appeals, Eight Circuit, United States District Court, United States Marshals Service, United States Pretrial Services, United States Probation, United States Secret Service, United States Trustee, Farm Service Agency
    Association / SEG
    Local Union No. 110 IBEW, Local Union No. 949 IBEW, Philippine Nurses Association of Minnesota, Church of St. Pascal Baylon, St. Paul Curling Club, OPEIU Local 12, Saint Paul Regional Labor Federation
    Military / veteran
    all US military
    City
    St. Paul, MN, Minneapolis, MN

    Where ST. PAUL writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with ST. PAUL.

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

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