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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-01
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:
Knoxville Tva Employees offers 15-year and 30-year conventional fixed loans at 5.25% and 5.5%, respectively. These rates have stayed steady over the past month. If you’re considering a fixed mortgage, these rates are current as of August 31, 2026. Affinity Plus offers a 15-year Conventional fixed rate at 6.125% and a 30-year Conventional fixed and refinance rate at 6.75%. The VA 30-year fixed rate is 7.25%. Adjustable rates include 5-year ARMs at 5.25% and 7-year ARMs at 5.5%, all unchanged from recent weeks.
Affinity offers a 15-year conventional fixed rate today at 5.375%, down 13 bp from last week but up 13 bp from a month ago. Their 30-year conventional fixed rate is 6.0%, also down 13 bp from last week and up 13 bp from a month ago. FHA fixed rates are 5.625% for 3-year, 5.75% for 5-year, and 6.0% for 7-year terms, each down 13 bp from last week and up 13 bp from a month ago.
City & County shows a 15-year conventional fixed rate today at 6.0%, up 13 bp from last week and 25 bp from a month ago. Their 30-year conventional fixed rate is 6.625%, also up 13 bp over seven days and 25 bp over 30 days. For adjustable rates, the 5-year ARM is at 5.5%, rising 13 bp in the past week and 25 bp in the last month, while the 7-year ARM is 5.75%, with the same weekly and monthly increases. The 10-year ARM stands at 6.0%, up 13 bp this week and 25 bp since a month ago. Y-12 offers a 15-year conventional fixed rate at 6.0%, down 13 bp from last week. The 30-year conventional fixed rate remains steady at 6.625%. Their 5-year ARM is at 5.5%, down 113 bp over the past 30 days.
Consumers offers a 15-year conventional fixed rate at 5.5% today and a 30-year conventional fixed rate at 6.875%, up 13 bp from last week. American has a 5-year ARM fixed at 6.0%, down 13 bp from 30 days ago. Jumbo 30-year fixed loans are at 6.875% today. Northrop Grumman offers adjustable-rate mortgages with 3-year today at 5.5%, 5-year at 5.625%, and 7-year at 6.125%. These rates have held steady over the past week and month.
Navy Federal Credit Union offers a 15-year Conventional fixed rate today at 5.625% and a 30-year Conventional fixed rate at 6.25%. The 15-year Conventional rate rose 13 bp over the past 15 days. Their 15-year Conventional refinance rate is 5.625%, up 25 bp in the last week, while the 30-year Conventional refinance rate is 6.25%, up 50 bp in the same period. The 30-year VA fixed rate is 5.875%, up 13 bp in the past week. The 3-year ARM Conventional rate is 5.375%, and the 5-year ARM Conventional rate is 5.625%, both steady from a week ago. The 30-year Jumbo fixed rate is 6.5%, up 13 bp over 15 days. Listerhill offers a 3-year ARM at 5.74% today, up 50 bp from 30 days ago. Their 5-year ARM is priced at 6.00%, also up 50 bp over the past month.
Baxter offers a 15-year conventional fixed rate at 5.75% and a 30-year conventional fixed rate at 6.5%, both unchanged from earlier in the month. Their 30-year jumbo fixed rate is 6.25%, steady as well. The 5-year ARM is at 5.25%, with no recent change.
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.