ROCKETCommercial Bank
Latest Rocket Mortgage Interest Rates - September 2026
Rocket Mortgage, LLC (ROCKET)
Mortgage APR: 7.13% Prime Rate: 6.75%
Interest Rate Summary
Rocket Mortgage Interest Rates & Loan Products Overview
Quick Summary: Key mortgage financing rates and retail credit products published by Rocket Mortgage (ROCKET) and affiliated Rocket Companies:
Featured Rates & Products:
- Residential Mortgages: 30-Year Fixed purchase conventional mortgage interest rates start at 7.125% (7.423% - 7.436% APR with purchase points), while 15-Year Fixed rates start around 6.125% to 6.500% and 5-Year ARM initial rates start from 5.875% (6.631% APR). Loan options allow down payments as low as 1% to 3% (up to 97% LTV) with no prepayment penalties.
- Deposit Accounts & Retail CDs: Rocket Mortgage is an independent non-bank mortgage originator and servicer; retail deposit accounts and Certificates of Deposit (CDs) are not offered.
- Personal Loans: Unsecured personal installment loans are provided through sister company Rocket Loans, offering financing from $2,000 to $75,000 with fixed APRs from 7.99% to 29.99% (with AutoPay discount) and terms of 36 to 60 months.
- Auto Financing & Credit Cards: Direct auto purchase loans and standalone retail credit card products are not currently originated directly under the standard retail lineup.
- Benchmark Index: The reference U.S. Wall Street Journal Prime Lending Rate stands at 6.75%.
💡 Financial Tip: Homebuyers with modest down payment savings can consider the Rocket Mortgage ONE+ program, which requires only a 1% down payment from the buyer while Rocket Mortgage contributes a 2% grant towards the purchase.
CD & Savings Interest Rates - ROCKET
Unit: %/year| Term / Maturity | Branch APY | Online / Digital APY 📱 |
|---|---|---|
| Standard Savings | 0.1% | 0.1% |
| 1 Month | - | 0% |
| 3 Months | - | 0% |
| 6 Months | - | 0% |
| 12 Months (Benchmark ⭐) | - | 0% |
| 24 Months | - | 0% |
| 36 Months | - | 0% |
Featured Loan Products - ROCKET
Loan Guide & Terms →mortgageROCKET
7.13% /yr
- • Promo period: 12 months
- • Max loan term: 30 years
- • Max borrowing limit: 97% of value
- • Formula: SOFR + 2.75%
auto loanROCKET
7% /yr
- • Max loan term: 8 years
- • Max borrowing limit: 80% of value
personal loanROCKET
7.99% /yr
- • Max loan term: 5 years
student loanROCKET
6.5% /yr
- • Max loan term: 15 years
Advanced Loan Calculator
Calculate Loan Payments for Rocket Mortgage
Simulate monthly principal and interest payments at 7.13% APR for ROCKET with detailed amortization schedule and Excel export.
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