Today's rates from SUMMIT
| Product | Rate | APR | Points | We read | Source | |
|---|---|---|---|---|---|---|
| 30 Year Fixed | 7.125% | 7.234% | — | Nov 2, 2026 Lender's sheet dated Sep 25, 2026 | Visit | |
| 20 Year Fixed | 6.625% | 6.762% | — | Nov 2, 2026 Lender's sheet dated Sep 25, 2026 | Visit | |
| 15 Year Fixed | 6.5% | 6.609% | — | Nov 2, 2026 Lender's sheet dated Sep 25, 2026 | Visit | |
| 10 Year Fixed | 6.25% | 6.401% | — | Nov 2, 2026 Lender's sheet dated Sep 25, 2026 | Visit | |
| 3 Year ARM | 6.25% | 7.097% | — | Nov 2, 2026 Lender's sheet dated Sep 25, 2026 | Visit | |
| 5 Year ARM | 6.625% | 7.098% | — | Nov 2, 2026 Lender's sheet dated Sep 25, 2026 | Visit | |
| 7 Year ARM | 6.875% | 7.131% | — | Nov 2, 2026 Lender's sheet dated Sep 25, 2026 | Visit | |
| 10 Year ARM | 7.375% | 7.332% | — | Nov 2, 2026 Lender's sheet dated Sep 25, 2026 | Visit | |
| 15 Year ARM Refinance | 7.75% | 7.426% | — | Nov 2, 2026 Lender's sheet dated Sep 25, 2026 | Visit | |
| 15 Year Fixed Refinance | 6.5% | 6.609% | — | Nov 2, 2026 Lender's sheet dated Sep 25, 2026 | Visit | |
| 20 Year Fixed Refinance | —Lender publishes APR only | 6.989% | — | Nov 2, 2026 Lender's sheet dated Sep 25, 2026 | Visit | |
| 30 Year Fixed Refinance | 7.125% | 7.234% | — | Nov 2, 2026 Lender's sheet dated Sep 25, 2026 | Visit |
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 SUMMIT
Summit Credit Union is open to everyone regardless of location or employer. As one of the first credit unions granted an open charter, anyone can join by opening a primary savings account with a $1.00 deposit.
Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
Where SUMMIT writes mortgages
SUMMIT publishes mortgage lending in 7 states.
Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.
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