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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:
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. Mayo Employees offers a 15-year Conventional fixed rate at 5.875% and a 30-year Conventional fixed rate at 6.5%, both unchanged from last week. Their 15-year Conventional refinance rate is 6.127%, up 13 bp from seven days ago. Adjustable rates include a 5-year ARM at 5.625% and a 7-year ARM at 5.75%, steady from last week.
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. Capital offers a 15-year conventional fixed at 6.0%, up 25 bp from last week, and a 30-year conventional fixed at 6.5%. Their adjustable-rate mortgages include a 3-year ARM at 4.99%, a 5-year ARM at 5.375%, a 7-year ARM today 5.625%, and a 10-year ARM at 5.75%, with the 3-, 5-, 7-, and 10-year ARMs down 50 to 63 bp over the past month.
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. Landmark offers a 15-year conventional fixed rate at 6.0% and a 30-year conventional fixed rate at 6.625%, both unchanged from last week but down 13 bp from a month ago. Their FHA 3-year ARM is steady today at 5.625%, down 13 bp from 30 days prior. The FHA 5-year ARM and 7-year ARM rates are 6.0% and 6.25%, respectively, each down 13 bp over the past month.
Royal offers a 15-year conventional fixed rate at 6.0% and a 30-year conventional fixed rate at 6.625% today. Their 15-year conventional refinance is 6.125%, and the 30-year conventional refinance is 6.75%. The 5-year adjustable rate is 5.75%, and the 10-year adjustable rate is 6.375%. Compared to 30 days ago, rates are down by 13 basis points across these products. 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. Westconsin shows a 15-year fixed rate at 6.375%, up 13 bp from last week. The 30-year fixed rate holds steady at 6.875%. Adjustable rates include a 5-year ARM at 6.0%, up 13 bp, and a 7-year ARM at 6.25%, also up 13 bp.
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.