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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-20
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 4.00%, higher than 7, 30, 60, and 90 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:
Alabama shows a 15-year Conventional fixed rate today at 5.625%. FHA loans are steady with a 3-year ARM at 5.0%, a 5-year ARM at 5.5%, a 7-year ARM at 6.0%, and a 10-year ARM at 6.5%. Rates have held steady over the past week. Mccoy offers a 15-year fixed rate at 5.5% and a 30-year fixed rate at 6.0%, both unchanged from recent weeks. These steady rates provide clear options for fixed-term loans today. Affinity Plus offers a 15-year Conventional Fixed rate at 6.5% today, up 13 bp from a week ago and 38 bp over the past 30 days. The 30-year Conventional Fixed and Jumbo Fixed rates are both 7.0%, each up 13 bp from last week and 25 bp over 30 days. The VA 30-year Fixed rate is 7.625%, unchanged from a week ago but up 38 bp over 30 days. Adjustable-rate 5-year and 7-year ARMs hold steady at 5.25% and 5.5%.
Consumers offers a 15-year conventional fixed rate at 5.5% today. Their 30-year conventional fixed rate rose to 7.125%, up 25 bp from last week and 50 bp over the past month. Jumbo loans have a 30-year fixed rate at 7.125%, up 13 bp from last week and 50 bp from a month ago. The 5-year ARM is at 6.375%, increasing 25 bp from last week and 38 bp over 30 days. Northrop Grumman offers adjustable-rate mortgages with a 3-year ARM at 5.5%, a 5-year ARM at 5.625%, and a 7-year ARM at 6.125% as of today. These rates have stayed steady over the past week and month. If you prefer an ARM, these are the current options to consider.
Space Coast shows a 15-year Conventional Fixed rate today at 5.75%, up 13 bp from last week. The 30-year Conventional Fixed rate is 6.5%, also up 13 bp over seven days. For 15-year Conventional Refi, the rate is 5.875%, and the 30-year Conventional Refi rate is 6.625%, both increased by 13 bp this week. FHA, VA, and Jumbo 30-year Fixed rates are higher, at 6.75%, 6.75%, and 6.625%, respectively, with FHA and VA rising 13 bp in the past week. Publix Employees offers a 15-year conventional fixed rate at 5.74% today, up 9 bp from last week and 14 bp from 30 days ago. Their 30-year conventional fixed rate is 6.34%, rising 6 bp over the past week and 16 bp in the last 30 days. The 30-year jumbo fixed rate stands at 6.09%, also up 6 bp from last week and 16 bp from a month ago.
Launch Credit Union offers a 15-year conventional fixed at 6.0% and a 30-year conventional fixed at 6.5%. Their 15-year conventional refinance rate is 5.75%, and the 30-year conventional refinance rate is 6.25%. These rates have stayed steady over the past month. Community Credit Union Of Florida offers a 15-year conventional fixed rate at 6.0% and a 30-year conventional fixed rate at 6.625%. FHA, VA, and Jumbo 30-year fixed loans are all at 6.125%. Rates have stayed steady over the past month.
Tropical Financial offers a 15-year conventional fixed rate at 6.125%, up 38 bp from a week ago. Their 30-year conventional fixed is 6.875%, rising 25 bp in the last 7 days. Jumbo 30-year fixed loans are at 6.5%, up 25 bp from last week. The 5-year adjustable rate is 5.75%, with a 63 bp increase over seven days.
Market Indicators - Data & Insights:
Today, Zillow’s 30-year mortgage rate is 6.855%, and Freddie Mac’s 30-year rate is 6.950%, with Zillow slightly lower than Freddie Mac. Zillow’s 30-year rate is higher than it was 7 days ago. These rates reflect the cost borrowers face for long-term home loans, which can influence how many people decide to buy or refinance homes.