Mortgage Rates Boaz, Alabama (AL) for April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current 30-year fixed mortgage rates in Boaz, Alabama include Alabama One Credit UnionAlabama One Credit UnionA5.0 ★Texas Ratio: 6.47% at 6.25%, TruistTruistA+5.0 ★Texas Ratio: 3.63% at 6.49%, and Tyndall Federal Credit UnionTyndall Federal Credit UnionA+5.0 ★Texas Ratio: 0.75% at 6.00%. Mortgage rates as of April 4, 2026 according to verified data from MonitorBankRates.
Boaz has 1 local lender in our database, with mortgage rates as low as 4.50% from Family Security Credit Union at 310 US Highway 431, Boaz, AL, 35957 2172. Use the tabs below to compare all available loan types and terms. Rates are continually updated — we recommend checking back frequently.
Mortgage Rates reflect actual verified offers from lenders actively lending to Alabama borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: April 4, 2026
Compare Mortgage Rates Today in Boaz, Alabama & the Surrounding Area
As Low As
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Max LTV: ?80%; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable
Max LTV: <=90%; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable
Loan to Value %: 80%
Max LTV: <=90%; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable
As Low As
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Max LTV: ?80%; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable
Max LTV: ?75%; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable
? 70% CLTV**
70.01-80% CLTV**
80.01-90% CLTV**
90.01-100% CLTV**
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Loan to Value %: 80%
<=80% LTV
90% LTV
Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply; Survey if Applicable
Loan to Value %: 80%
90% LTV
Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply; Survey if Applicable
Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply; Survey if Applicable
Loan to Value %: 80%
80% LTV
No additional details available.
Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply; Survey if Applicable
Loan to Value %: 80%
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Margin: 2.50%; Percentage Caps†: 2/2/6; CMT Index: 3.975%
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Margin: 2.50%; Percentage Caps†: 2/2/6; CMT Index: 3.975%
70% LTV
No additional details available.
Margin: 2.50%; Percentage Caps†: 2/2/6; CMT Index: 3.975%
Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply; Survey if Applicable
90% LTV
90% LTV
80% LTV
70% LTV
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As Low As
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As Low As
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Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Mortgage Calculators
Boaz, AL Mortgage Rate Trends
Compare local Boaz, AL mortgage rate quotes against the statewide average
Daily mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Alabama 30-year fixed rates rose 0.083 points over the past 7 days to 6.644%.
Alabama 15-year fixed rates rose 0.632 points over the past 7 days to 6.556%.
Methodology & Data Sources
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Boaz, Alabama directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Boaz, Alabama. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in AL.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates in Boaz, Alabama
How does my credit score affect my rate in Alabama?
What is a 30-Year Fixed Mortgage?
What are closing costs in Alabama?
Should I lock my mortgage rate?
What is an Adjustable-Rate Mortgage (ARM)?
What is a Jumbo Loan in Boaz, Alabama?
Do I need 20% down to buy a house in Alabama?
What is the difference between Interest Rate and APR?
How do I find the best lender in Boaz, Alabama?
What are the best Mortgage rates in Boaz, Alabama?
- Alabama One Credit Union: 6.25% (30 year Fixed)
- Truist: 6.49% (30-Year Fixed)
- Tyndall Federal Credit Union: 6.00% (30-Year Fixed (DU))
