First Mortgage Rates

Rates displayed are for purchase transactions of owner occupied, single-family homes based upon a 45-day lock. Homeowner's insurance and flood insurance (if applicable) are required. To get a rate quote for a refinance loan, please email mortgage@stlouiscommunity.com and we will have someone contact you. Rates, terms, and conditions are subject to change and may vary based on creditworthiness and other qualifications. Rates last updated 7/21/2026.

Loan Program

Rates

APR*

15 Year Fixed (FHA)

6.500%

6.815%

30 Year Fixed (FHA)

6.250%

6.360%

15 Year Fixed (Conforming)

6.250%

6.443%

30 Year Fixed (Conforming)

6.750%

6.870%

15 Year Fixed (VA)

NA

NA

30 Year Fixed (VA)

6.375%

6.484%

*APR=Annual Percentage Rate. APR displayed is calculated using a loan amount of $150,000. All loans are subject to approval. See Credit Union for details. St. Louis Community Credit Union NMLS# 616755. Carrollton Bank NMLS# 719258.

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