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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%, unchanged from 7, 30, 60, and 90 days ago. When the Fed Funds rate is higher, it can put upward pressure on mortgage rates because lenders’ borrowing costs increase.
Credit Union Loan Rates - Trends & Analysis:
Nasa offers a 15-year conventional fixed rate at 5.875%, up 13 bp from a week ago. Their 30-year conventional fixed rate is 6.375%, down 13 bp over the past month. The 30-year FHA fixed rate is 6.25%, up 13 bp from last week. The 30-year VA fixed rate stands at 6.0%, up 13 bp from seven days ago. The 30-year jumbo fixed rate matches the conventional at 6.375%, down 13 bp over 30 days. Community Resource offers a 15-year fixed rate at 5.75% and a 30-year fixed rate at 6.63% today. The 30-year fixed rate rose by 13 bp compared to 30 days ago. The 15-year fixed rate has stayed steady at 5.75% over the past month.
A+ offers a 15-year Conventional Fixed at 5.99%, up 12 bp from last week. Their 30-year Conventional Fixed and Jumbo Fixed rates are both 6.375%, unchanged from last week but down 13 bp from a month ago. The 5-year ARM is at 6.0%, up 13 bp from last week. The 10-year ARM is 6.125%, down 13 bp from a month ago. Dupaco Community offers a 15-year conventional fixed rate at 6.0% today, up 13 bp from last week. Their 30-year conventional fixed rate is 6.375%, also up 13 bp from last week but down 13 bp from a month ago. The 15-year and 30-year conventional refinance rates match the purchase rates, with the 30-year refinance rate down 13 bp from a month ago.
Digital offers a 15-year conventional fixed rate at 6.125% and a 30-year conventional fixed rate at 6.875% today. The 30-year conventional fixed rate rose by 13 bp over the past week and 50 bp over the past 30 days. The 15-year conventional fixed rate remains steady compared to last week but is up 25 bp from 30 days ago. The 30-year conventional fixed jumbo rate is 7.0% today, up 13 bp from last week and 50 bp from 30 days ago. First Technology offers a 15-year Conventional Fixed at 6.125% and a 30-year Conventional Fixed at 7.0%, up 13 bp from a week ago. Their 30-year Jumbo Fixed is 6.875%, rising 13 bp in the last week and 38 bp over 30 days. Adjustable rates include 5.875% for 5- and 7-year ARMs, steady this week but up 13 bp over 30 days, and a 10-year ARM at 6.75%, down 13 bp from two weeks ago but up 13 bp over 30 days.
Truity offers a 15-year fixed rate at 6.125% and a 30-year fixed rate at 6.875% as of August 27, 2026. Both rates have increased by 13 bp over the past 30 days. The 15-year fixed rate has held steady over the past week, as has the 30-year fixed rate. Premier America offers a 15-year fixed rate at 6.125%, down 13 bp from 30 days ago. Their 30-year fixed rate holds steady at 6.75%. Rates have been stable over the past week. 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.
Market Indicators - Data & Insights:
Today, Zillow's 30-year mortgage rate is 6.465%, slightly higher than Freddie Mac's 30-year rate at 6.650%. Zillow's 30-year rate is also higher than it was 7 days ago. These rates reflect current borrowing costs, which influence how many people can afford to buy homes and affect overall housing demand.