Home state: Utah
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    Lends in 9 states

    UTAH FIRST mortgage rates

    UTAH FIRST's lowest publicly advertised 30-year fixed rate today is 7.084% APR — the national average is 7.147%. That's about $6,121 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 UTAH FIRST's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from UTAH FIRST

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.99%7.084%—Nov 2, 2026Visit
    15 Year Fixed6.5%6.631%—Nov 2, 2026Visit
    10 Year Fixed6.25%6.462%—Nov 2, 2026Visit
    5 Year ARM6.75%6.867%—Nov 2, 2026Visit
    FHA 30 Year Fixed6.375%7.338%—Nov 2, 2026Visit
    FHA 15 Year Fixed6%7.318%—Nov 2, 2026Visit
    VA 30 Year Fixed6.5%6.803%—Nov 2, 2026Visit

    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 UTAH FIRST

    Utah First Credit Union is open to anyone nationwide who joins the Community Volunteers of Utah, as well as immediate family members of existing credit union members.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Association / SEG
    Community Volunteers of Utah

    Where UTAH FIRST writes mortgages

    UTAH FIRST publishes mortgage lending in 9 states.

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

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