Rates for 30-year and 15-year, fixed-rate mortgages with zero points as of noon, Friday, Oct. 21, 2016: 30 YR / 15 YR RATE % First National Bank 3.50 / 2.75 % Partners 1st Credit Union 3.625 / 2.875 % State Bank 3.375 / 2.75 % Superior Federal Credit Union 3.375 / 2.625 % TopMark Federal Credit Union 3.50 / 2.875 % Union Bank 3.375 / 2.625 %