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Current 5 Year Arm Rates Mortgage Interest Rates Over The Years What Your Mortgage Interest Rate Really Means. By Sarah Davis January 7, 25 years ago, the national average interest rate for a 30-year fixed mortgage was 10.58 percent according to HSH.com’s list of historical mortgage rates.. not bad, but not earth-shattering. But over 30 years, you’ll save $14,817 in interest.