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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%. 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 banks use this rate to set loan costs.
Credit Union Loan Rates - Trends & Analysis:
State Department offers a 15-year conventional fixed rate today at 5.625%, unchanged from last week but down 13 bp from a month ago. Their 30-year conventional fixed rate is 6.25%, steady from last week and down 13 bp over 30 days. The 30-year jumbo fixed rate is 6.625%, also steady from last week and down 13 bp from a month ago. The 5-year ARM is 5.75%, unchanged from last week but down 25 bp in the past 30 days. The 7-year and 10-year ARMs hold steady at 6.125% and 6.25%, respectively.
Nasa offers a 15-year conventional fixed rate at 5.875% today, up 13 bp from last week. The 30-year conventional fixed rate holds steady at 6.375%. FHA 30-year fixed loans are at 6.25%, also up 13 bp from last week. VA 30-year fixed loans are 6.0%, up 13 bp from last week. Jumbo 30-year fixed loans are at 6.5%, up 13 bp from last week and 13 bp higher than a month ago. Advia offers a 15-year conventional fixed rate at 5.875%, unchanged from a week ago but down 13 bp from a month ago. Their 30-year conventional fixed rate is 6.625%, up 13 bp from last week. For adjustable rates, the 5-year ARM is at 5.875%, up 13 bp over seven days, and the 7-year ARM is 6.0%, also up 13 bp this week.
Zeal shows a 15-year conventional fixed rate at 5.875% today, unchanged from a week ago but down 13 bp from a month ago. The 30-year conventional fixed rate is 6.625%, up 13 bp over the past week. Adjustable rates include a 5-year ARM at 5.875%, up 13 bp in the last week, and a 7-year ARM at 6.0%, also up 13 bp this week. 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.
Lake Trust offers a 15-year conventional fixed rate at 5.875% today, down 25 bp from last week and 13 bp lower than a month ago. Their 30-year conventional fixed rate holds steady at 6.625%. For adjustable-rate loans, the 5-year ARM is at 5.875%, up 13 bp over the past two weeks, and the 7-year ARM is 6.0%, also up 13 bp in that time. Digital shows a 15-year conventional fixed rate today at 6.125%, unchanged from last week but up 25 bp from a month ago. The 30-year conventional fixed rate is 6.875%, down 13 bp from last week but up 38 bp from a month ago. The 30-year conventional refinance rate is also 6.875%, down 25 bp from last week and up 38 bp from a month ago.
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. Honor offers a 15-year conventional fixed rate at 5.875%, down 13 bp from 30 days ago. The 30-year conventional fixed rate is steady at 6.375%. The 30-year FHA fixed rate remains at 6.25%.
Members First offers a 15-year fixed rate at 6.125%, down 13 bp from a week ago. Their 30-year fixed rate is 6.625%, unchanged from last week but down 13 bp from a month ago.
Market Indicators - Data & Insights:
Today, Zillow’s 30-year mortgage rate is 6.411%, and Freddie Mac’s 30-year rate is 6.660%, with Zillow lower than Freddie Mac. Zillow’s 15-year rate is 6.109%, down from 7 days ago. These rates reflect the cost borrowers pay to finance homes, influencing how many people can afford to buy or refinance.