Best mortgage rates in North Carolina this week
No borrower-submitted offers from North Carolina yet — be the first to share yours and help other North Carolina borrowers benchmark their quotes.
Data as of 19h ago · Borrower offers span the last 30 days; credit-union posted rates are refreshed weekly (Mondays).
How do you compare?
See where rates like yours land in North Carolina this week.
Not enough conventional 30y submissions from North Carolina yet to draw a comparison. Be the first to share your quote — every submission helps the next North Carolina borrower benchmark theirs.
Credit union posted rates North Carolina residents can access
Posted rates from each credit union's public rate sheet. Conventional shown by default; expand the others if you qualify.
Will these rates apply to you?
Posted rates are best-case — they assume excellent credit and 20% down. Here's a realistic read for your situation.
Not enough borrower submissions yet to show what a 700-719 borrower gets in North Carolina. The posted rates below are best-case; add your quote to build this out.
Rate ranges are real borrower submissions; 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 · $260,000 loan · held 5 yrs| Credit union | Rate | Points | Product | Est. 5-yr cost | vs best |
|---|---|---|---|---|---|
| Navy Federal Credit Unionjoin → | 6.125% | 0.5 | Conventional · 30-yr | $96,087 | best |
| PenFed Credit Unionjoin → | 6.125% | 1 | Conventional · 30-yr | $97,387 | +$1,300 |
| Connexus Credit Unionjoin → | 6.250% | 1 | Conventional · 30-yr | $98,652 | +$2,565 |
| Digital Federal CU (DCU)join → | 6.375% | 1.38 | Conventional · 30-yr | $100,912 | +$4,824 |
| ALLEGACY Credit Unionjoin → | 6.875% | 0 | Conventional · 30-yr | $102,481 | +$6,394 |
Conventional
| Rate | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|
| 6.125% | 6.295% | 30y | 1 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 19h ago |
| 6.125% | 6.268% | 30y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 19h ago |
| 6.250% | 6.404% | 30y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 19h ago |
| 6.375% | 6.541% | 30y | 1.38 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 19h ago |
| 6.875% | 6.979% | 30y | 0 | ALLEGACY Credit Union | Open to anyone living, working, worshipping, or attending school in select NC counties | 19h ago |
| 5.500% | 5.714% | 15y | 0.38 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 19h ago |
| 5.625% | 5.876% | 15y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 19h ago |
| 5.750% | 5.960% | 15y | 1 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 19h ago |
| 6.375% | 6.539% | 15y | 0 | ALLEGACY Credit Union | Open to anyone living, working, worshipping, or attending school in select NC counties | 19h ago |
| 5.750% | 6.047% | 10y | 1 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 19h ago |
| 6.000% | 6.202% | 20y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 19h ago |
| 6.125% | 6.278% | 20y | 0.88 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 19h ago |
FHA · 2 rates
For borrowers with lower credit or smaller down payments. Requires mortgage insurance for the life of the loan unless 10%+ down.
| Rate | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|
| 5.500% | 6.418% | 30y | 1.38 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 19h ago |
| 6.375% | 6.495% | 30y | 0 | ALLEGACY Credit Union | Open to anyone living, working, worshipping, or attending school in select NC counties | 19h ago |
VA · 2 rates
For active military, veterans, reservists, National Guard, and qualifying surviving spouses. Often the lowest rates available, but requires VA eligibility.
| Rate | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|
| 5.625% | 5.900% | 30y | 1 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 19h ago |
| 6.375% | 6.504% | 30y | 0.13 | ALLEGACY Credit Union | Open to anyone living, working, worshipping, or attending school in select NC counties | 19h ago |
Jumbo · 7 rates
For loan amounts above the conforming limit ($832,750 in most counties, higher in high-cost areas). Tighter underwriting.
| Rate | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|
| 6.125% | 6.307% | 30y | 1.63 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 19h ago |
| 6.375% | 6.520% | 30y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 19h ago |
| 6.375% | 6.521% | 30y | 1.38 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 19h ago |
| 5.750% | 5.928% | 15y | 1 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 19h ago |
| 6.000% | 6.217% | 15y | 0.38 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 19h ago |
| 5.750% | 6.003% | 10y | 1 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 19h ago |
| 6.125% | 6.253% | 20y | 0.88 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 19h ago |
What to know about getting a mortgage in North Carolina
North Carolina pairs moderate prices with low carrying costs, and its state-chartered credit unions are unusually strong mortgage lenders — the state-employee and university-affiliated CUs post some of the most competitive rates in the Southeast. Coastal counties add wind-pool insurance requirements; the Charlotte and Triangle metros otherwise look like straightforward national-rate markets.
The 2026 conforming loan limit in most North Carolina 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 borrower-quoted offers above were submitted by real North Carolina residents in the last 30 days. We score every submission for fraud signals before publishing, and verified offers carry a verified badge after we OCR the Loan Estimate.
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.
Got a quote in North Carolina? Share it anonymously and help the next borrower price their quote.
Frequently asked: mortgages in North Carolina
Straight answers, grounded in the data on this page.
What is the best mortgage rate in North Carolina right now?+
The lowest conventional 30-year rate we're tracking in North Carolina this week is 6.125% from PenFed Credit Union, 0.42% below the U.S. average of 6.550%. It's a real posted rate, not a teaser — your actual rate depends on your credit, down payment, and loan type.
How much do you need to put down for a house in North Carolina?+
The median home price in North Carolina is about $325,000, so 20% down is roughly $65,000. 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 North Carolina residents join for a mortgage?+
North Carolina residents can currently get posted mortgage rates from Navy Federal Credit Union, PenFed Credit Union, Connexus 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 North Carolina have?+
North Carolina's housing finance agency is the North Carolina Housing Finance Agency. NC Home Advantage mortgages include down-payment assistance up to 3% of the loan, with an $15,000 option for first-time buyers in targeted areas. 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 North Carolina?+
For most North Carolina 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 North Carolina?+
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 North Carolina residents, and credit-union rates are copied straight from each lender's public rate sheet.