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Mortgage Rates Star City, Arkansas (AR) for April 2026

Current 30-year fixed mortgage rates in Star City, Arkansas include Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% at 6.38%, Intrust BankIntrust BankA+5.0 ★Texas Ratio: 2.46% at 6.38%, Carter Federal Credit UnionCarter Federal Credit UnionD3.6 ★Texas Ratio: 31.89% at 6.50%, TruistTruistA+5.0 ★Texas Ratio: 3.63% at 6.49%, and U.S. BankU.S. BankA5.0 ★Texas Ratio: 6.46% at 6.62%. Mortgage rates as of April 4, 2026 according to verified data from MonitorBankRates.

Star City borrowers have access to 6 lenders serving the Arkansas area, with mortgage rates as low as 6.38% from Baxter Credit Union. Use the tabs below to compare available loan types. Rates are continually updated — we recommend checking back frequently.

Mortgage Rates reflect actual verified offers from lenders actively lending to Arkansas 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 Star City, Arkansas & the Surrounding Area

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
30-Year Fixed Mortgage
6.38%
6.38%
Rate6.38%
APR6.38%
Points0.000
UpdatedMar 25, 2026
Details

As Low As; POINTS MAY APPLY

Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
30-Year Fixed
6.38%
6.45%
Rate6.38%
APR6.45%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
30 Year Fixed
30
6.38%
6.55%
Rate6.38%
APR6.55%
Points0.750
UpdatedMar 25, 2026
Details

As Low As

Carter Federal Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 31.89%
30 Year Fixed
6.50%
6.60%
Rate6.50%
APR6.60%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
30-Year Fixed
360
6.49%
6.67%
Rate6.49%
APR6.67%
Points0.696
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
30-year fixed refinance
30-year
6.62%
6.78%
Rate6.62%
APR6.78%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
30-Year Fixed
360
6.70%
6.90%
Rate6.70%
APR6.90%
Points0.865
UpdatedMar 29, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
30-Year Fixed
360
6.80%
6.91%
Rate6.80%
APR6.91%
Points-0.049
UpdatedMar 29, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
30-Year Fixed
360
6.99%
7.08%
Rate6.99%
APR7.08%
Points-0.205
UpdatedMar 29, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
15-Year Fixed Mortgage
5.62%
5.62%
Rate5.62%
APR5.62%
Points0.000
UpdatedMar 25, 2026
Details

As Low As; POINTS MAY APPLY

Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
15-Year Fixed
5.75%
5.87%
Rate5.75%
APR5.87%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
15 Year Fixed
15
5.62%
5.92%
Rate5.62%
APR5.92%
Points0.750
UpdatedMar 25, 2026
Details

As Low As

Carter Federal Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 31.89%
15 Year Fixed
5.88%
6.03%
Rate5.88%
APR6.03%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
15-Year Fixed
180
5.75%
6.05%
Rate5.75%
APR6.05%
Points0.829
UpdatedMar 29, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
15-Year Fixed
180
5.75%
6.06%
Rate5.75%
APR6.06%
Points0.909
UpdatedMar 29, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
15-Year Fixed
180
6.10%
6.24%
Rate6.10%
APR6.24%
Points-0.187
UpdatedMar 29, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
15-Year Fixed
180
6.10%
6.26%
Rate6.10%
APR6.26%
Points-0.107
UpdatedMar 29, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
Jumbo 3/1 ARM
5.50%
5.64%
Rate5.50%
APR5.64%
Points0.000
UpdatedApr 4, 2026
Details

Advertised rate of Jumbo 3/1 ARM are based on a $1,000,000 loan amount.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
5/1 Year ARM
5.25%
6.30%
Rate5.25%
APR6.30%
Points1.000
UpdatedMar 25, 2026
Details

As Low As

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Jumbo adjustable-rate mortgage (ARM) loans 7/1 yr
7/1 yr
6.00%
6.42%
Rate6.00%
APR6.42%
Points0.995
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Jumbo adjustable-rate mortgage (ARM) loans 5/1 yr
5/1 yr
5.88%
6.42%
Rate5.88%
APR6.42%
Points0.915
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
5/1 yr Jumbo adjustable-rate mortgage (ARM) loans
5/1 yr
6.00%
6.45%
Rate6.00%
APR6.45%
Points0.665
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
7/1 yr Jumbo adjustable-rate mortgage (ARM) loans
7/1 yr
6.12%
6.46%
Rate6.12%
APR6.46%
Points0.745
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Jumbo adjustable-rate mortgage (ARM) loans 10/1 yr
10/1 yr
6.25%
6.51%
Rate6.25%
APR6.51%
Points0.920
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Conforming adjustable-rate mortgage (ARM) loans 10/6 mo
10/6 mo
6.38%
6.55%
Rate6.38%
APR6.55%
Points0.975
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
10/1 yr Jumbo adjustable-rate mortgage (ARM) loans
10/1 yr
6.38%
6.57%
Rate6.38%
APR6.57%
Points0.670
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Conforming adjustable-rate mortgage (ARM) loans 7/6 mo
7/6 mo
6.50%
6.62%
Rate6.50%
APR6.62%
Points0.978
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
7/6 mo Conforming adjustable-rate mortgage (ARM) loans
7/6 mo
6.75%
6.80%
Rate6.75%
APR6.80%
Points1.458
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
10/6 mo Conforming adjustable-rate mortgage (ARM) loans
10/6 mo
6.75%
6.84%
Rate6.75%
APR6.84%
Points1.268
UpdatedMar 29, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
Jumbo 30-Year Fixed
6.00%
6.14%
Rate6.00%
APR6.14%
Points0.000
UpdatedApr 4, 2026
Details

Advertised rate of Jumbo 30-year fixed rate are based on a $1,000,000 loan amount.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Jumbo 30 Year Fixed
30
6.25%
6.39%
Rate6.25%
APR6.39%
Points1.000
UpdatedMar 25, 2026
Details

As Low As

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Jumbo loans 15-year
15-year
6.38%
6.64%
Rate6.38%
APR6.64%
Points0.795
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
15-year Jumbo loans
15-year
6.38%
6.66%
Rate6.38%
APR6.66%
Points0.920
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Jumbo loans 20-year
20-year
6.50%
6.72%
Rate6.50%
APR6.72%
Points0.890
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Jumbo loans 30-year
30-year
6.62%
6.79%
Rate6.62%
APR6.79%
Points0.840
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
30-year Jumbo loans
30-year
6.62%
6.80%
Rate6.62%
APR6.80%
Points0.965
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
20-year Jumbo loans
20-year
6.62%
6.82%
Rate6.62%
APR6.82%
Points0.640
UpdatedMar 29, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
30-Year Jumbo
360
7.17%
7.32%
Rate7.17%
APR7.32%
Points0.906
UpdatedMar 29, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
30-Year Jumbo
360
7.58%
7.62%
Rate7.58%
APR7.62%
Points-0.087
UpdatedMar 29, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Carter Federal Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 31.89%
FHA 30 Year
6.00%
6.60%
Rate6.00%
APR6.60%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Federal Housing Administration (FHA) loans 30-year
30-year
6.12%
7.00%
Rate6.12%
APR7.00%
Points0.716
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
30-year Federal Housing Administration (FHA) loans
30-year
6.12%
7.01%
Rate6.12%
APR7.01%
Points0.841
UpdatedMar 29, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
30-Year FHA
360
6.10%
7.33%
Rate6.10%
APR7.33%
Points0.896
UpdatedMar 29, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
30-Year FHA
360
6.60%
7.72%
Rate6.60%
APR7.72%
Points-0.274
UpdatedMar 29, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
VA 30-Year Fixed
5.88%
6.09%
Rate5.88%
APR6.09%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Carter Federal Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 31.89%
VA 30 Year Fixed
6.00%
6.24%
Rate6.00%
APR6.24%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
30-Year VA
360
6.10%
6.49%
Rate6.10%
APR6.49%
Points0.898
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Veterans Affairs (VA) loans 30-year
30-year
6.12%
6.51%
Rate6.12%
APR6.51%
Points0.966
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
30-year Veterans Affairs (VA) loans
30-year
6.25%
6.62%
Rate6.25%
APR6.62%
Points0.849
UpdatedMar 29, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
30-Year VA
360
6.60%
6.88%
Rate6.60%
APR6.88%
Points-0.277
UpdatedMar 29, 2026
Details

No additional details available.

The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.

Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.

Star City, AR Mortgage Rate Trends

Compare local Star City, AR 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.

View Full Arkansas Mortgage Trends →
30-Year Fixed — AR Avg
6.638%
▼ 0.100 vs 7 days ago

Arkansas 30-year fixed rates fell 0.100 points over the past 7 days to 6.638%.

15-Year Fixed — AR Avg
5.975%
▼ 0.012 vs 7 days ago

Arkansas 15-year fixed rates fell 0.012 points over the past 7 days to 5.975%.

As of Apr 6, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Star City, Arkansas 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 Star City, Arkansas. 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 AR.

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 Star City, Arkansas

How does my credit score affect my rate in Arkansas?

Your credit score is a major factor. Generally, borrowers in Star City, Arkansas with higher credit scores (760+) receive the lowest interest rates.

What is a 30-Year Fixed Mortgage?

A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in Arkansas because it offers lower monthly payments compared to shorter-term loans.

What are closing costs in Arkansas?

Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In Arkansas, these may include appraisal fees, title insurance, and recording fees.

Should I lock my mortgage rate?

If you are satisfied with the current rate and worried rates might rise before closing on your home in Star City, Arkansas, locking your rate is a good idea. It guarantees your rate for a specific period.

What is an Adjustable-Rate Mortgage (ARM)?

An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.

What is a Jumbo Loan in Star City, Arkansas?

A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of Arkansas, these limits are higher. These loans typically require stronger credit and larger down payments.

Do I need 20% down to buy a house in Arkansas?

No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in Star City, Arkansas offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.

What is the difference between Interest Rate and APR?

The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.

How do I find the best lender in Star City, Arkansas?

Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.

What are the best Mortgage rates in Star City, Arkansas?

  • Baxter Credit Union: 6.38% (30-Year Fixed Mortgage)
  • Intrust Bank: 6.38% (30-Year Fixed)
  • Carter Federal Credit Union: 6.50% (30 Year Fixed)
  • Truist: 6.49% (30-Year Fixed)
  • U.S. Bank: 6.62% (30-year fixed refinance)
Mortgage Rates reflect actual verified offers from lenders actively lending to Arkansas 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