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Looking for the best mortgage rates in Poquoson, VA? Compare offers from trusted local banks and credit unions to find a loan that fits your budget and timeline. We make it easy to see your options side by side, so you can choose with confidence.
Whether you’re buying your first home or refinancing, local lenders in Poquoson understand the community and offer personalized service. Get quick approvals, competitive rates, and support tailored to your unique needs—right here in your hometown.
Today’s Mortgage Rates & Analysis - Updated on 2026-OCT-04
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 4.00%. This is higher than 30 days ago when it was 3.75%. When the Fed Funds rate rises, it can increase mortgage rates because lenders face higher borrowing costs.
Credit Union Loan Rates - Trends & Analysis:
Apple offers a 15-year fixed conventional loan at 6.625% and a 30-year fixed conventional loan at 7.375% today. They also have 5-year and 7-year adjustable conventional loans at 6.625% and 6.75%, respectively. Chartway offers a 30-year conventional fixed mortgage at 7.00% today. This rate is up 95 bp from a week ago and 63 bp higher than 30 days ago. Pentagon offers a 30-year Conventional fixed rate at 7.0% and a 30-year Conventional rate at 7.125%, both up 38 bp from 15 days ago and 75 bp from 30 days ago. The FHA and VA 30-year fixed rates are each 6.5%, also up 38 bp over 15 days and 75 bp over 30 days. The Jumbo 30-year fixed rate is 7.0%, up 25 bp from a week ago and 75 bp from a month ago.
Chevron offers a 15-year conventional fixed mortgage at 7.0% today, up 13 bp from last week and 88 bp from a month ago. Their 30-year conventional fixed rate is 7.375%, rising 25 bp over the past week and 75 bp since a month ago. Jumbo 30-year fixed loans match the 30-year conventional fixed rate at 7.375%, with the same weekly and monthly increases. Digital shows a 15-year conventional fixed rate at 7.0% and a 30-year conventional fixed rate at 7.875% today. The 30-year fixed rate rose 25 bp from a week ago and 100 bp from a month ago. Their 15-year conventional refinance rate is also 7.0%, while the 30-year conventional refinance rate is 7.875%, up 13 bp from last week and 75 bp from last month. The Jumbo 30-year fixed rate is 7.625%, up 13 bp from last week.
First Technology offers a 15-year conventional fixed rate at 7.0% and a 30-year conventional fixed rate at 7.875% today. The 30-year fixed rate rose by 25 bp in the past week and 88 bp over the last 30 days. Jumbo 30-year fixed loans are at 7.625%, up 13 bp in a week and 75 bp in a month. Adjustable 5-year fixed loans are 6.625%, down 13 bp in a week but up 38 bp in 30 days. The 7-year and 10-year adjustable fixed rates are 6.75% and 7.0%, respectively, with small recent changes.
Market Indicators - Data & Insights:
Today, Zillow's 30-year mortgage rate is 7.231%, slightly higher than Freddie Mac's 7.280%. Zillow's 15-year rate is 7.084%, up from 6.861% seven days ago. These rates reflect current borrowing costs, which influence how many people can afford to buy homes and affect overall housing demand.