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    STATE DEPARTMENT mortgage rates

    STATE DEPARTMENT's lowest publicly advertised 30-year fixed rate today is 6.774% APR — the national average is 7.147%. That's about $36,014 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 STATE DEPARTMENT's rates every weekday, starting around 11 a.m. Central.

    We last read STATE DEPARTMENT's rates page on Nov 2, 2026. STATE DEPARTMENT dates its published rate sheet Nov 2, 2026.

    Today's rates from STATE DEPARTMENT

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.75%6.774%0.25Nov 2, 2026Visit
    20 Year Fixed6.375%6.391%0.125Nov 2, 2026Visit
    15 Year Fixed6.125%6.164%0.25Nov 2, 2026Visit
    10 Year Fixed5.875%5.93%0.25Nov 2, 2026Visit
    5 Year ARM6.125%6.6%0.25Nov 2, 2026Visit
    7 Year ARM6.25%6.587%0.375Nov 2, 2026Visit
    10 Year ARM6.5%6.686%0.625Nov 2, 2026Visit
    15 Year ARM6.25%6.517%0.375Nov 2, 2026Visit
    30 Year Fixed Jumbo7%7.012%0.125Nov 2, 2026Visit
    15 Year Fixed Jumbo6.5%6.52%0.125Nov 2, 2026Visit
    30 Year Fixed Super Conforming6.875%6.9%0.25Nov 2, 2026Visit
    15 Year Fixed Super Conforming6.25%6.309%0.375Nov 2, 2026Visit
    5 Year ARM Jumbo6.375%6.699%0.25Nov 2, 2026Visit
    Visit STATE DEPARTMENT'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 STATE DEPARTMENT

    State Department Federal Credit Union is open to employees of the U.S. State Department and over 250 other partner organizations, as well as anyone nationwide who joins the American Consumer Council.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Employer
    U.S. Department of State

    Where STATE DEPARTMENT writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with STATE DEPARTMENT.

    Virginia

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

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