The Focus Federal Credit Union is a mortgage from Focus Federal Credit Union. The ongoing APR is 30 Year Fixed 7.000% rate / 7.148% APR; 20 Year Fixed 6.750% / 6.941% APR; 15 Year Fixed 6.500% / 6.737% APR; 10 Year Fixed 6.500% / 6.833% APR (rate effective as of October 16, 2026). Loan terms: Terms from 10 to 30 years.