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Today’s Mortgage Rates & Analysis - Updated on 2026-AUG-28
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 3.75%, unchanged from 7, 30, 60, and 90 days ago. When the Fed Funds rate is higher, it can put upward pressure on mortgage rates because lenders’ borrowing costs increase.
Credit Union Loan Rates - Trends & Analysis:
Pentagon offers a 30-year Conventional Fixed at 6.25% and a 30-year Conventional Refi at 6.125%, down 13 bp from a week ago but up 13 bp from 30 days ago. Their 30-year FHA and VA Fixed rates are both 5.75%, with FHA up 13 bp from a week ago. The Jumbo 30-year Fixed rate is steady at 6.25%. Newport News Shipbuilding Employees offers a 15-year Conventional Fixed rate at 6.25%, unchanged from two weeks ago but up 13 bp from last week. The 30-year Conventional Fixed rate is 6.75%, up 13 bp from last week and 125 bp higher than a month ago. FHA 30-year Fixed is 6.25%, rising 25 bp from last week. VA 30-year Fixed is 6.375%, up 25 bp from last week and 13 bp from a month ago.
Market Indicators - Data & Insights:
Today, Zillow's 30-year mortgage rate is 6.465%, slightly higher than Freddie Mac's 30-year rate at 6.650%. Zillow's 30-year rate is also higher than it was 7 days ago. These rates reflect current borrowing costs, which influence how many people can afford to buy homes and affect overall housing demand.
🏦 Local Lenders in Richmond, VA
CALL FEDERAL CREDIT UNION — 6011 STAPLES MILL RD RICHMOND VA 23228
CALL FEDERAL CREDIT UNION — 6003 STAPLES MILL RD RICHMOND VA 23228
HENRICO FEDERAL CREDIT UNION — 8611 DIXON POWERS DR HENRICO VA 23228
VIRGINIA FEDERAL CREDIT UNION — 5427 GLENSIDE DR RICHMOND VA 23228
NAVY FEDERAL CREDIT UNION FEDERAL CREDIT UNION — 5445 GLENSIDE DR RICHMOND VA 23228
CONNECTS FEDERAL CREDIT UNION — 7700 SHRADER RD RICHMOND VA 23228
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