Best mortgage rates in District of Columbia this week
Current posted rates from credit unions District of Columbia residents can join, with APR, points, and eligibility shown. Borrower comparisons will appear as quotes are contributed.
Data as of 4d ago · Borrower offers span the last 30 days; credit-union posted rates are refreshed weekly (Sundays).
30-yr rates in District of Columbia over time
best available ▲ 0.63 since Jul 27Credit union posted rates District of Columbia 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 District of Columbia 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 · $280,000 loan · held 5 yrs| Credit union | Rate | This week | Points | Product | Est. 5-yr cost | vs best |
|---|---|---|---|---|---|---|
| PenFed Credit Unionjoin → | 6.875% | ▲ 0.25 | 1.13 | Conventional · 30-yr | $113,528 | best |
| Connexus Credit Unionjoin → | 7.125% | ▲ 0.25 | 1 | Conventional · 30-yr | $115,985 | +$2,457 |
| TOWER Credit Unionjoin → | 7.500% | ▲ 0.375 | 0 | Conventional · 30-yr | $117,468 | +$3,940 |
| Digital Federal CU (DCU)join → | 7.625% | ▲ 0.25 | 0 | Conventional · 30-yr | $118,909 | +$5,381 |
| Navy Federal Credit Unionjoin → | 7.750% | ▲ 1.125 | 0.5 | Conventional · 30-yr | $121,757 | +$8,229 |
Conventional
| Rate | This week | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|---|
| 6.875% | ▲ 0.25 | 7.066% | 30y | 1.13 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 4d ago |
| 7.125% | ▲ 0.25 | 7.289% | 30y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 4d ago |
| 7.500% | ▲ 0.375 | 7.563% | 30y | 0 | TOWER Credit Union | Open to federal employees, contractors, and their families across MD, VA, and DC | 4d ago |
| 7.625% | ▲ 0.25 | 7.748% | 30y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 4d ago |
| 7.750% | ▲ 1.125 | 8.096% | 30y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 4d ago |
| 6.250% | ▲ 0.25 | 6.489% | 15y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 4d ago |
| 6.500% | ▲ 0.375 | 6.761% | 15y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 4d ago |
| 7.000% | ▲ 0.25 | 7.193% | 15y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 4d ago |
| 7.125% | ▲ 0.375 | 7.224% | 15y | 0 | TOWER Credit Union | Open to federal employees, contractors, and their families across MD, VA, and DC | 4d ago |
| 6.875% | ▲ 0.25 | 7.144% | 10y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 4d ago |
| 7.125% | ▲ 0.5 | 7.339% | 20y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 4d ago |
| 7.250% | ▲ 0.5 | 7.390% | 10y | 0 | TOWER Credit Union | Open to federal employees, contractors, and their families across MD, VA, and DC | 4d ago |
| 7.375% | ▲ 0.375 | 7.457% | 20y | 0 | TOWER Credit Union | Open to federal employees, contractors, and their families across MD, VA, and DC | 4d ago |
| 7.625% | ▲ 0.375 | 7.784% | 20y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 4d ago |
FHA · 1 rate
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 |
|---|---|---|---|---|---|---|---|
| 6.375% | ▲ 0.25 | 7.287% | 30y | 1.13 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 4d ago |
VA · 4 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 |
|---|---|---|---|---|---|---|---|
| 6.375% | ▲ 0.125 | 6.688% | 30y | 1.25 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 4d ago |
| 7.125% | ▲ 0.375 | 7.291% | 30y | 0 | TOWER Credit Union | Open to federal employees, contractors, and their families across MD, VA, and DC | 4d ago |
| 7.625% | ▲ 1.375 | 7.968% | 30y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 4d ago |
| 6.000% | ▲ 0.25 | 6.706% | 15y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 4d ago |
Jumbo · 10 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 |
|---|---|---|---|---|---|---|---|
| 6.750% | ▲ 0.125 | 6.927% | 30y | 1.5 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 4d ago |
| 7.500% | ▲ 0.25 | 7.512% | 30y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 4d ago |
| 7.750% | ▲ 0.375 | 7.785% | 30y | 0 | TOWER Credit Union | Open to federal employees, contractors, and their families across MD, VA, and DC | 4d ago |
| 8.000% | ▲ 1.125 | 8.351% | 30y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 4d ago |
| 6.750% | ▲ 0.25 | 6.992% | 15y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 4d ago |
| 7.000% | ▲ 0.25 | 7.019% | 15y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 4d ago |
| 7.375% | ▲ 0.375 | 7.429% | 15y | 0 | TOWER Credit Union | Open to federal employees, contractors, and their families across MD, VA, and DC | 4d ago |
| 6.750% | ▲ 0.125 | 6.777% | 10y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 4d ago |
| 7.500% | ▲ 0.5 | 7.577% | 10y | 0 | TOWER Credit Union | Open to federal employees, contractors, and their families across MD, VA, and DC | 4d ago |
| 7.500% | ▲ 0.375 | 7.516% | 20y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 4d ago |
What would you pay at District of Columbia’s best rate?
At 6.875% (PenFed Credit Union, 30-yr conventional) — principal & interest only.
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 District of Columbia
Straight answers, grounded in the data on this page.
What is the best mortgage rate in District of Columbia right now?+
The lowest conventional 30-year rate we're tracking in District of Columbia this week that anyone can join is 6.875% from PenFed Credit Union, 0.16% below the U.S. average of 7.030%. 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 District of Columbia?+
The median home price in District of Columbia is about $350,000, so 20% down is roughly $70,000. 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 District of Columbia residents join for a mortgage?+
District of Columbia residents can currently get posted mortgage rates from PenFed Credit Union, Connexus Credit Union, TOWER 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.
Does RatePerch take referral fees from lenders in District of Columbia?+
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 District of Columbia residents, and credit-union rates are copied straight from each lender's public rate sheet.