MonitorBankRates
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Mortgage Rates Bear River City, Utah (UT) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in Bear River City, Utah. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Mortgage Rates Last Updated and Verified: April 4, 2026

Current 30-year fixed mortgage rates in Bear River City, Utah include Goldenwest Federal Credit UnionGoldenwest Federal Credit UnionA+5.0 ★Texas Ratio: 2.10% at 6.00%, Utah Power Credit UnionUtah Power Credit UnionA+5.0 ★Texas Ratio: 1.01% at 6.12%, Jordan Federal Credit UnionJordan Federal Credit UnionA+5.0 ★Texas Ratio: 3.01% at 6.25%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% at 6.38%, and America First Federal Credit UnionAmerica First Federal Credit UnionA5.0 ★Texas Ratio: 8.12% at 6.25%. Mortgage rates as of April 4, 2026 according to verified data from MonitorBankRates.

Bear River City borrowers have access to 16 lenders serving the Utah area, with mortgage rates as low as 6.00% from Goldenwest Federal 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 Utah 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 Bear River City, Utah & the Surrounding Area

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
30 Year Fixed Loan
6.00%
6.19%
View
▼
Rate6.00%
APR6.19%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
30-year Fixed
6.12%
6.33%
View
▼
Rate6.12%
APR6.33%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
30 Year Mortgage
6.25%
6.37%
View
▼
Rate6.25%
APR6.37%
Points0.000
UpdatedApr 2, 2026
Details

OAC*

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
30-Year Fixed Mortgage
6.38%
6.38%
View
▼
Rate6.38%
APR6.38%
Points0.000
UpdatedMar 25, 2026
Details

As Low As; POINTS MAY APPLY

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
30 Year Fixed
6.25%
6.38%
View
▼
Rate6.25%
APR6.38%
Points0.375
UpdatedMar 25, 2026
Details

As Low As

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
30-Year Fixed
30
6.38%
6.47%
View
▼
Rate6.38%
APR6.47%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
30-year fixed (new purchase)
6.38%
6.51%
View
▼
Rate6.38%
APR6.51%
Points0.000
UpdatedMar 27, 2026
Details

As Low As

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

As Low As

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

No additional details available.

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
30 Year Fixed
30 Year
6.75%
6.84%
View
▼
Rate6.75%
APR6.84%
Points-0.375
UpdatedMar 25, 2026
Details

As Low As

Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
30-Year Fixed
6.88%
6.94%
View
▼
Rate6.88%
APR6.94%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
15 Year Fixed Loan
5.25%
5.57%
View
▼
Rate5.25%
APR5.57%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
15-Year Fixed Mortgage
5.62%
5.62%
View
▼
Rate5.62%
APR5.62%
Points0.000
UpdatedMar 25, 2026
Details

As Low As; POINTS MAY APPLY

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
15 Year Fixed
5.50%
5.75%
View
▼
Rate5.50%
APR5.75%
Points0.625
UpdatedMar 25, 2026
Details

As Low As

Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
15-year Fixed
5.50%
5.82%
View
▼
Rate5.50%
APR5.82%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
15-year fixed (new purchase)
5.62%
5.84%
View
▼
Rate5.62%
APR5.84%
Points0.000
UpdatedMar 27, 2026
Details

As Low As

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
15 Year Fixed
15 Year
5.75%
5.90%
View
▼
Rate5.75%
APR5.90%
Points-0.250
UpdatedMar 25, 2026
Details

As Low As

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

As Low As

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
15-Year Fixed
15
5.88%
6.03%
View
▼
Rate5.88%
APR6.03%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
15-Year Fixed
6.38%
6.48%
View
▼
Rate6.38%
APR6.48%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
15-Year Fixed Rate
15-Year
8.17%
7.99%
View
▼
Rate8.17%
APR7.99%
Points0.000
UpdatedMar 25, 2026
Details

As Low As

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
5/1 Adjustable
30 Years
5.75%
5.80%
View
▼
Rate5.75%
APR5.80%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
10/1-Year Adjustable Rate Mortgage Jumbo
5.88%
6.08%
View
▼
Rate5.88%
APR6.08%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
15/15-Year Adjustable Rate Mortgage Jumbo
6.00%
6.09%
View
▼
Rate6.00%
APR6.09%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
15/15-Year Adjustable Rate Mortgage
6.00%
6.13%
View
▼
Rate6.00%
APR6.13%
Points0.000
UpdatedApr 4, 2026
Details

As Low As

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
30-Year - 7/6 mo ARM
6.00%
6.14%
View
▼
Rate6.00%
APR6.14%
Points1.000
UpdatedMar 26, 2026
Details

No additional details available.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
5/1 ARM
5.62%
6.14%
View
▼
Rate5.62%
APR6.14%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Jumbo 5/1 ARM
5.75%
6.15%
View
▼
Rate5.75%
APR6.15%
Points0.000
UpdatedMar 28, 2026
Details

Margin: 2.50%; Percentage Caps†: 2/2/6; CMT Index: 3.975%

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
3/1 ARM
5.50%
6.17%
View
▼
Rate5.50%
APR6.17%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
30/15-year Fixed
6.00%
6.20%
View
▼
Rate6.00%
APR6.20%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Jumbo 3/1 ARM
5.63%
6.21%
View
▼
Rate5.63%
APR6.21%
Points0.000
UpdatedMar 28, 2026
Details

Margin: 2.50%; Percentage Caps†: 2/2/6; CMT Index: 3.975%

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
7/6 ARM Jumbo 30-Year Variable
30
5.75%
6.23%
View
▼
Rate5.75%
APR6.23%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
7/6 ARM 30-Year Variable
30
5.75%
6.27%
View
▼
Rate5.75%
APR6.27%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
7/1 ARM
6.12%
6.27%
View
▼
Rate6.12%
APR6.27%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Jumbo 7/1 ARM
6.13%
6.27%
View
▼
Rate6.13%
APR6.27%
Points0.000
UpdatedMar 28, 2026
Details

Margin: 2.50%; Percentage Caps†: 2/2/6; CMT Index: 3.975%

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
5/6 ARM Jumbo 30-Year Variable
30
5.62%
6.28%
View
▼
Rate5.62%
APR6.28%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
10/1-Year Adjustable Rate Mortgage
5.88%
6.30%
View
▼
Rate5.88%
APR6.30%
Points0.000
UpdatedApr 4, 2026
Details

As Low As

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

As Low As

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
5/6 ARM 30-Year Variable
30
5.62%
6.32%
View
▼
Rate5.62%
APR6.32%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
10/6 Adjustable-rate mortgage
6.00%
6.34%
View
▼
Rate6.00%
APR6.34%
Points0.000
UpdatedMar 27, 2026
Details

As Low As

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
7/6 Adjustable-rate mortgage
5.88%
6.37%
View
▼
Rate5.88%
APR6.37%
Points0.000
UpdatedMar 27, 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%
View
▼
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%
View
▼
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%
View
▼
Rate6.00%
APR6.45%
Points0.665
UpdatedMar 29, 2026
Details

No additional details available.

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
5/6 Adjustable-rate mortgage
5.88%
6.46%
View
▼
Rate5.88%
APR6.46%
Points0.000
UpdatedMar 27, 2026
Details

As Low As

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%
View
▼
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%
View
▼
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%
View
▼
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%
View
▼
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%
View
▼
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%
View
▼
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%
View
▼
Rate6.75%
APR6.84%
Points1.268
UpdatedMar 29, 2026
Details

No additional details available.

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
7/6 First-time homebuyer Adjustable-rate mortgage
6.75%
6.87%
View
▼
Rate6.75%
APR6.87%
Points0.000
UpdatedMar 27, 2026
Details

As Low As

Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1st Time Home Buyer 30/15-year Fixed
6.75%
6.95%
View
▼
Rate6.75%
APR6.95%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
15-Year Power Rate Fixed Jumbo
5.25%
5.45%
View
▼
Rate5.25%
APR5.45%
Points0.000
UpdatedApr 4, 2026
Details

As Low As

Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
10-Year Power Rate Fixed Jumbo
5.38%
5.66%
View
▼
Rate5.38%
APR5.66%
Points0.000
UpdatedApr 4, 2026
Details

As Low As

Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
20-Year Power Rate Fixed Jumbo
5.88%
6.04%
View
▼
Rate5.88%
APR6.04%
Points0.000
UpdatedApr 4, 2026
Details

As Low As

Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
30-Year Power Rate Fixed Jumbo
6.00%
6.12%
View
▼
Rate6.00%
APR6.12%
Points0.000
UpdatedApr 4, 2026
Details

As Low As

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
15-Year Jumbo Fixed
15
6.12%
6.21%
View
▼
Rate6.12%
APR6.21%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
10-Year Fixed Jumbo
6.25%
6.32%
View
▼
Rate6.25%
APR6.32%
Points0.000
UpdatedApr 4, 2026
Details

As Low As

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

As Low As

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
30-Year Jumbo Fixed
30
6.38%
6.42%
View
▼
Rate6.38%
APR6.42%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
15-Year Fixed Jumbo
6.38%
6.43%
View
▼
Rate6.38%
APR6.43%
Points0.000
UpdatedApr 4, 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%
View
▼
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%
View
▼
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%
View
▼
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%
View
▼
Rate6.62%
APR6.79%
Points0.840
UpdatedMar 29, 2026
Details

No additional details available.

Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
20-Year Fixed Jumbo
6.75%
6.79%
View
▼
Rate6.75%
APR6.79%
Points0.000
UpdatedApr 4, 2026
Details

As Low As

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
30-year Jumbo loans
30-year
6.62%
6.80%
View
▼
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%
View
▼
Rate6.62%
APR6.82%
Points0.640
UpdatedMar 29, 2026
Details

No additional details available.

Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
30-Year Fixed Jumbo
6.88%
6.91%
View
▼
Rate6.88%
APR6.91%
Points0.000
UpdatedApr 4, 2026
Details

As Low As

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
FHA
15 Years
4.88%
5.22%
View
▼
Rate4.88%
APR5.22%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
FHA
30 Years
5.49%
5.70%
View
▼
Rate5.49%
APR5.70%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
FHA
30 Year
5.49%
5.74%
View
▼
Rate5.49%
APR5.74%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
FHA
15 Year
5.38%
5.88%
View
▼
Rate5.38%
APR5.88%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
FHA
15 Years
5.50%
6.00%
View
▼
Rate5.50%
APR6.00%
Points0.500
UpdatedMar 25, 2026
Details

No additional details available.

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
15 Year Fixed FHA Mortgage
5.38%
6.07%
View
▼
Rate5.38%
APR6.07%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
20 Year Fixed FHA Mortgage
5.25%
6.16%
View
▼
Rate5.25%
APR6.16%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
FHA
30 Years
5.62%
6.19%
View
▼
Rate5.62%
APR6.19%
Points0.625
UpdatedMar 25, 2026
Details

No additional details available.

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
30 Year Fixed FHA Mortgage
5.62%
6.31%
View
▼
Rate5.62%
APR6.31%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Zions Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
30-Year Fixed FHA Loan
30
5.75%
6.55%
View
▼
Rate5.75%
APR6.55%
Points0.000
UpdatedMar 22, 2026
Details

Advertised APR assumes excellent credit. Your APR may be higher.

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
FHA 30 Year
5.75%
6.60%
View
▼
Rate5.75%
APR6.60%
Points0.500
UpdatedMar 25, 2026
Details

As Low As

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
FHA
5.88%
6.89%
View
▼
Rate5.88%
APR6.89%
Points0.000
UpdatedMar 28, 2026
Details

As Low As

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Federal Housing Administration (FHA) loans 30-year
30-year
6.12%
7.00%
View
▼
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%
View
▼
Rate6.12%
APR7.01%
Points0.841
UpdatedMar 29, 2026
Details

No additional details available.

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
Utah Housing FHA
6.50%
7.33%
View
▼
Rate6.50%
APR7.33%
Points0.000
UpdatedMar 25, 2026
Details

As Low As

Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
15-Year FHA
15-Year
7.25%
7.71%
View
▼
Rate7.25%
APR7.71%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
30-Year FHA
30-Year
7.50%
7.79%
View
▼
Rate7.50%
APR7.79%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
30 Year Fixed VA Mortgage
5.62%
5.79%
View
▼
Rate5.62%
APR5.79%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
15 Year Fixed VA Mortgage
5.12%
6.19%
View
▼
Rate5.12%
APR6.19%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
VA 30 Year
5.88%
6.33%
View
▼
Rate5.88%
APR6.33%
Points0.125
UpdatedMar 25, 2026
Details

As Low As

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Veterans Affairs (VA) loans 30-year
30-year
6.12%
6.51%
View
▼
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%
View
▼
Rate6.25%
APR6.62%
Points0.849
UpdatedMar 29, 2026
Details

No additional details available.

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
Lot Loan- 10 Year Variable
6.49%
7.01%
View
▼
Rate6.49%
APR7.01%
Points0.000
UpdatedMar 25, 2026
Details

As Low As

Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
15-Year VA
6.88%
7.42%
View
▼
Rate6.88%
APR7.42%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
30-Year VA
7.12%
7.47%
View
▼
Rate7.12%
APR7.47%
Points0.000
UpdatedApr 4, 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.

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Bear River City, UT Mortgage Rate Trends

Compare local Bear River City, UT 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 Utah Mortgage Trends →
30-Year Fixed — UT Avg
6.361%
▼ 0.179 vs 7 days ago

Utah 30-year fixed rates fell 0.179 points over the past 7 days to 6.361%.

15-Year Fixed — UT Avg
6.182%
▲ 0.245 vs 7 days ago

Utah 15-year fixed rates rose 0.245 points over the past 7 days to 6.182%.

As of Apr 5, 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 Bear River City, Utah 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 Bear River City, Utah. 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 UT.

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 Bear River City, Utah

How does my credit score affect my rate in Utah?

Your credit score is a major factor. Generally, borrowers in Bear River City, Utah 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 Utah because it offers lower monthly payments compared to shorter-term loans.

What are closing costs in Utah?

Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In Utah, 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 Bear River City, Utah, 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 Bear River City, Utah?

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

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

No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in Bear River City, Utah 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 Bear River City, Utah?

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 Bear River City, Utah?

  • Goldenwest Federal Credit Union: 6.00% (30 Year Fixed Loan)
  • Utah Power Credit Union: 6.12% (30-year Fixed)
  • Jordan Federal Credit Union: 6.25% (30 Year Mortgage)
  • Baxter Credit Union: 6.38% (30-Year Fixed Mortgage)
  • America First Federal Credit Union: 6.25% (30 Year Fixed)
Mortgage Rates reflect actual verified offers from lenders actively lending to Utah 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

Bear River City, Utah Rates & Resources

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