Best mortgage rates in Arizona this week
Current posted rates from credit unions Arizona residents can join, with APR, points, and eligibility shown. Borrower comparisons will appear as quotes are contributed.
Data as of 6d ago · Borrower offers span the last 30 days; credit-union posted rates are refreshed weekly (Sundays).
30-yr rates in Arizona over time
best available ▲ 0.75 since Aug 10Credit union posted rates Arizona residents can access
Posted rates from each credit union's public rate sheet. Conventional shown by default; expand the others if you qualify.
Is your rate competitive?
Enter the rate a lender quoted you. We'll show it against what Arizona lenders are posting this week to someone who could actually join them.
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Payment is P&I (plus estimated PMI) on the reference loan, excluding taxes and insurance. Your actual rate depends on your full profile — get pre-approved for your real number, or run the calculator. Not financial advice.
At a glance — ranked by true 5-year cost
incl. points · $340,000 loan · held 5 yrs| Credit union | Rate | This week | Points | Product | Est. 5-yr cost | vs best |
|---|---|---|---|---|---|---|
| MOUNTAIN AMERICA Credit Unionjoin → | 7.125% | ▼ 0.125 | 0 | Conventional · 30-yr | $137,439 | best |
| Navy Federal Credit Unionjoin → | 7.000% | ▼ 0.75 | 0.88 | Conventional · 30-yr | $138,714 | +$1,275 |
| PenFed Credit Unionjoin → | 7.000% | flat | 1.13 | Conventional · 30-yr | $139,564 | +$2,125 |
| Connexus Credit Unionjoin → | 7.125% | ▼ 0.125 | 1 | Conventional · 30-yr | $140,839 | +$3,400 |
| Desert Financial Credit Unionjoin → | 7.250% | flat | 1 | Conventional · 30-yr | $142,564 | +$5,125 |
| ARIZONA CENTRAL Credit Unionjoin → | 7.375% | ▲ 0.125 | 1 | Conventional · 30-yr | $144,298 | +$6,859 |
| HUGHES Credit Union | 7.625% | flat | 0 | Conventional · 30-yr | $144,390 | +$6,951 |
| Digital Federal CU (DCU)join → | 7.625% | ▼ 0.25 | 0 | Conventional · 30-yr | $144,390 | +$6,951 |
Conventional
| Rate | This week | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|---|
| 7.000% | ▼ 0.75 | 7.189% | 30y | 0.88 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 6d ago |
| 7.000% | flat | 7.192% | 30y | 1.13 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 6d ago |
| 7.125% | ▼ 0.125 | 7.263% | 30y | 0 | MOUNTAIN AMERICA Credit Union | Open to anyone living, working, worshipping, or attending school in UT, ID, NV, AZ, NM, MT, or WY | 6d ago |
| 7.125% | ▼ 0.125 | 7.289% | 30y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 6d ago |
| 7.250% | flat | 7.461% | 30y | 1 | Desert Financial Credit Union | Open to anyone living, working, worshipping, or attending school in AZ | 6d ago |
| 7.375% | ▲ 0.125 | 7.482% | 30y | 1 | ARIZONA CENTRAL Credit Union | Available to anyone who lives, works, worships, or attends school in Maricopa County. | 6d ago |
| 7.625% | flat | 7.625% | 30y | 0 | HUGHES Credit Union | Employer-restricted membership — check the CU's membership page for the list of eligible employers, associations, and family relationships that qualify. | 6d ago |
| 7.625% | ▼ 0.25 | 7.748% | 30y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 6d ago |
| 6.375% | ▼ 0.115 | 6.593% | 15y | 0 | MOUNTAIN AMERICA Credit Union | Open to anyone living, working, worshipping, or attending school in UT, ID, NV, AZ, NM, MT, or WY | 6d ago |
| 6.375% | flat | 6.635% | 15y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 6d ago |
| 6.375% | ▲ 0.125 | 6.614% | 15y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 6d ago |
| 6.500% | ▲ 0.125 | 6.666% | 15y | 1 | ARIZONA CENTRAL Credit Union | Available to anyone who lives, works, worships, or attends school in Maricopa County. | 6d ago |
| 6.625% | flat | 6.973% | 15y | 1.13 | Desert Financial Credit Union | Open to anyone living, working, worshipping, or attending school in AZ | 6d ago |
| 7.000% | flat | 7.193% | 15y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 6d ago |
| 7.000% | flat | 7.000% | 15y | 0 | HUGHES Credit Union | Employer-restricted membership — check the CU's membership page for the list of eligible employers, associations, and family relationships that qualify. | 6d ago |
| 6.750% | ▲ 0.25 | 6.985% | 10y | 1 | ARIZONA CENTRAL Credit Union | Available to anyone who lives, works, worships, or attends school in Maricopa County. | 6d ago |
| 6.875% | ▼ 0.25 | 7.087% | 20y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 6d ago |
| 7.000% | flat | 7.270% | 10y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 6d ago |
| 7.125% | ▼ 0.125 | 7.304% | 20y | 0 | MOUNTAIN AMERICA Credit Union | Open to anyone living, working, worshipping, or attending school in UT, ID, NV, AZ, NM, MT, or WY | 6d ago |
| 7.500% | ▼ 0.125 | 7.658% | 20y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 6d ago |
FHA · 5 rates
For borrowers with lower credit or smaller down payments. Requires mortgage insurance for the life of the loan unless 10%+ down.
| Rate | This week | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|---|
| 6.500% | flat | 7.441% | 30y | 1.38 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 6d ago |
| 6.750% | flat | 7.595% | 30y | 0 | MOUNTAIN AMERICA Credit Union | Open to anyone living, working, worshipping, or attending school in UT, ID, NV, AZ, NM, MT, or WY | 6d ago |
| 6.875% | flat | 7.834% | 30y | 1.13 | Desert Financial Credit Union | Open to anyone living, working, worshipping, or attending school in AZ | 6d ago |
| 6.990% | ▲ 0.115 | 6.990% | 30y | 0 | HUGHES Credit Union | Employer-restricted membership — check the CU's membership page for the list of eligible employers, associations, and family relationships that qualify. | 6d ago |
| 6.500% | flat | 7.375% | 15y | 0 | MOUNTAIN AMERICA Credit Union | Open to anyone living, working, worshipping, or attending school in UT, ID, NV, AZ, NM, MT, or WY | 6d ago |
VA · 6 rates
For active military, veterans, reservists, National Guard, and qualifying surviving spouses. Often the lowest rates available, but requires VA eligibility.
| Rate | This week | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|---|
| 6.625% | ▼ 1 | 7.098% | 30y | 0.75 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 6d ago |
| 6.625% | flat | 6.917% | 30y | 1 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 6d ago |
| 6.875% | flat | 7.188% | 30y | 0 | MOUNTAIN AMERICA Credit Union | Open to anyone living, working, worshipping, or attending school in UT, ID, NV, AZ, NM, MT, or WY | 6d ago |
| 7.625% | flat | 7.625% | 30y | 0 | HUGHES Credit Union | Employer-restricted membership — check the CU's membership page for the list of eligible employers, associations, and family relationships that qualify. | 6d ago |
| 6.250% | ▲ 0.125 | 6.961% | 15y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 6d ago |
| 6.625% | flat | 7.130% | 15y | 0 | MOUNTAIN AMERICA Credit Union | Open to anyone living, working, worshipping, or attending school in UT, ID, NV, AZ, NM, MT, or WY | 6d ago |
Jumbo · 11 rates
For loan amounts above the conforming limit ($832,750 in most counties, higher in high-cost areas). Tighter underwriting.
| Rate | This week | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|---|
| 7.125% | ▲ 0.125 | 7.255% | 30y | 1 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 6d ago |
| 7.250% | flat | 7.420% | 30y | 1 | Desert Financial Credit Union | Open to anyone living, working, worshipping, or attending school in AZ | 6d ago |
| 7.250% | ▼ 0.875 | 7.441% | 30y | 0.88 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 6d ago |
| 7.375% | ▼ 0.125 | 7.490% | 30y | 0 | MOUNTAIN AMERICA Credit Union | Open to anyone living, working, worshipping, or attending school in UT, ID, NV, AZ, NM, MT, or WY | 6d ago |
| 7.500% | ▼ 0.125 | 7.512% | 30y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 6d ago |
| 6.750% | flat | 7.014% | 15y | 1 | Desert Financial Credit Union | Open to anyone living, working, worshipping, or attending school in AZ | 6d ago |
| 6.875% | ▲ 0.125 | 7.118% | 15y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 6d ago |
| 7.000% | flat | 7.019% | 15y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 6d ago |
| 7.500% | flat | 7.686% | 15y | 0 | MOUNTAIN AMERICA Credit Union | Open to anyone living, working, worshipping, or attending school in UT, ID, NV, AZ, NM, MT, or WY | 6d ago |
| 7.000% | flat | 7.027% | 10y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 6d ago |
| 7.375% | ▼ 0.125 | 7.391% | 20y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 6d ago |
What would you pay at Arizona’s best rate?
At 7.000% (PenFed Credit Union, 30-yr conventional) — principal & interest only.
What to know about getting a mortgage in Arizona
Arizona’s low property-tax rate keeps carrying costs modest, but Phoenix-area prices have outpaced wages for years, pushing more buyers toward down-payment assistance and temporary buydowns. Rate competition is strong — the Phoenix metro is one of the most heavily bank-and-CU-served markets in the West.
The 2026 conforming loan limit in most Arizona counties is $832,750 for a single-family home (designated high-cost counties go higher). Loans above that are jumbo — expect tighter underwriting and different pricing.
The credit-union rates are taken from each lender's public rate sheet on the effective date shown. We don't take affiliate fees, sell contributor data, or rank lenders by commission. The full methodology is on the methodology page.
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Frequently asked: mortgages in Arizona
Straight answers, grounded in the data on this page.
What is the best mortgage rate in Arizona right now?+
The lowest conventional 30-year rate we're tracking in Arizona this week that anyone can join is 7.000% from PenFed Credit Union, 0.40% below the U.S. average of 7.400%. It's a real posted rate, not a teaser — your actual rate depends on your credit, down payment, and loan type. Credit unions with restricted membership (military or employer-based) sometimes post lower; those are listed below with their eligibility.
How much do you need to put down for a house in Arizona?+
The median home price in Arizona is about $425,000, so 20% down is roughly $85,000. Many buyers put down far less: conventional loans go as low as 3%, FHA 3.5%, and VA/USDA can be 0% for those who qualify (with mortgage insurance when you put down under 20%).
Which credit unions can Arizona residents join for a mortgage?+
Arizona residents can currently get posted mortgage rates from MOUNTAIN AMERICA Credit Union, Navy Federal Credit Union, PenFed Credit Union, and others. Many credit unions let anyone join through a small one-time association membership — each one's eligibility and exact join steps are on its page.
What first-time homebuyer programs does Arizona have?+
Arizona's housing finance agency is the Arizona Department of Housing. The HOME+PLUS program combines a 30-year fixed mortgage with a down-payment assistance grant of up to 5% of the loan amount. These programs work through participating lenders, so you can (and should) still compare the program rate against the credit-union rates on this page.
What is the conforming loan limit in Arizona?+
For most Arizona counties the 2026 conforming loan limit is $832,750 for a single-family home (designated high-cost counties go higher). Loans above the limit are jumbo, which typically means tighter underwriting and different pricing.
Does RatePerch take referral fees from lenders in Arizona?+
No. We don't take affiliate or referral fees, sell contributor data, or rank lenders by commission. Borrower-quoted rates are submitted anonymously by real Arizona residents, and credit-union rates are copied straight from each lender's public rate sheet.
Housing conditions + mortgage cost, in one view
Monthly asking-price, inventory and market-time data paired with the latest mortgage benchmark and fresh lender pricing available to Arizona borrowers.
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