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Today’s Mortgage Rates & Analysis - Updated on 2026-AUG-31
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 3.75%. This rate has stayed the same compared to 1, 7, 30, 60, and 90 days ago. When the Fed Funds rate is steady, it can help keep mortgage rates stable since it influences the cost banks pay to borrow money.
Credit Union Loan Rates - Trends & Analysis:
Mayo Employees offers a 15-year Conventional Fixed rate at 6.253%, up 38 bp from last week. Their 30-year Conventional Fixed rate holds steady at 6.5%. For Adjustable rates, the 5-year ARM is today 5.625%, and the 7-year ARM is 5.75%. Suncoast offers both 15-year and 30-year conventional fixed loans at 6.125% today. They also have a 30-year jumbo fixed loan at 6.25%. Achieva Credit Union offers a 15-year conventional fixed rate at 6.0%, up 13 bp from last week. The 30-year conventional fixed rate is 6.375%, down 13 bp from two weeks ago but up 3 bp from a month ago. Their 5-year ARM is at 5.875%, up 13 bp over the past month. The 10-year ARM rate is 6.375%, rising 38 bp in the last week and 50 bp over the month. The jumbo 30-year fixed rate is steady at 6.375%, up 11 bp from a month ago.
Dupaco Community offers a 15-year conventional fixed rate at 6.0% and a 30-year conventional fixed rate at 6.375%, both unchanged from a week ago but up 13 bp from two weeks prior. The same rates apply for 15-year and 30-year conventional refinances. Community First Credit Union Of Flo offers a 15-year conventional fixed rate at 6.0% and a 30-year conventional fixed rate at 6.725%, up 13 bp from last week. Their 30-year jumbo fixed rate is 6.625%, also up 13 bp from seven days ago. The 5-year ARM stands at 6.25%, down 13 bp from a month ago.
Digital offers a 15-year conventional fixed rate at 6.125% today, down 13 bp from last week. Their 30-year conventional fixed rate is 6.875%, also down 13 bp over seven days but up 38 bp from a month ago. The 15-year conventional refinance rate is steady at 6.25%, while the 30-year conventional refinance rate is 7.125%, unchanged from last week but up 63 bp over the past month.
First Technology offers a 15-year Conventional Fixed at 6.125% today, unchanged from last week but down 13 bp from a month ago. The 30-year Conventional Fixed is 6.875%, down 13 bp from both last week and a month ago. Jumbo 30-year Fixed is 6.75%, down 13 bp from last week but up 13 bp from a month ago. Adjustable 5- and 7-year terms are both at 6.0%, up 13 bp from last week and a month ago. The 10-year Adjustable Fixed is 6.75%, down 13 bp from a month ago. Together offers a 15-year conventional fixed rate at 6.125% today, down 13 bp from two weeks ago. Their 30-year conventional fixed and jumbo fixed rates are both 6.75%, unchanged from last week but down 13 bp from two weeks ago. Adjustable 5-year ARMs are steady at 5.5%.
Alliant shows a 15-year conventional fixed rate today at 6.125%, up 25 bp from last week and last month. The 30-year conventional fixed is 7.0%, also up 25 bp over the same periods. Adjustable 5-year and 7-year ARMs are at 6.0% and 6.125%, respectively, with smaller increases of 13 bp from last week and 25 bp from last month. The 10-year ARM is 6.375%, rising 13 bp from last week and 25 bp from last month. American Airlines offers a 15-year conventional fixed rate at 6.21% and a 30-year conventional fixed rate at 6.583%, both unchanged from a week ago but up 13 bp from a month ago. Their 5-year adjustable rate stands at 6.533%, up 20 bp from 30 days prior. Rates have held steady recently with slight increases over the past month.
Market Indicators - Data & Insights:
Today, Zillow’s 30-year mortgage rate is 6.496%, slightly higher than Freddie Mac’s 30-year rate at 6.660%. Zillow’s 30-year rate is also higher than it was 7 days ago. These rates reflect the cost borrowers pay for long-term home loans, which can influence how many people decide to buy or refinance homes.