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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:
Rally offers a 15-year Conventional Fixed rate at 6.125% and a 30-year Conventional Fixed rate at 7.0% today. The 15-year rate is up 38 bp from 30 days ago. The 30-year rate shows no change over the past 15 days. Both 15- and 30-year Conventional rates are the same for fixed and refinances. American Airlines offers a 15-year conventional fixed rate at 6.21% today, unchanged from last week but up 13 bp from a month ago. The 30-year conventional fixed rate is 6.583%, also steady over seven days and up 13 bp over 30 days. Their 5-year adjustable rate stands at 6.533%, with a 20 bp increase over the past month.
Chartway offers a 30-year conventional fixed rate at 6.25% today, unchanged from a week ago but up 25 bp from a month ago. The 15-year fixed and other programs have no current rates listed. Firstmark offers a 30-year Conventional Fixed mortgage at 6.25% today, down 13 bp from a week ago. Their 30-year Jumbo Fixed is also 6.25%, down 13 bp from last week. Rates have held steady compared to a month ago. Pentagon offers 30-year Conventional Fixed and 30-year VA Fixed loans at 6.25% today. The 30-year FHA Fixed and VA Fixed loans are both at 5.75%. Rates have held steady over the past week and month.
Meriwest offers both 15-year and 30-year conventional fixed loans at 6.25% today. Rates have stayed steady over the past week and month. This gives you a clear picture of their current fixed mortgage pricing. Jsc offers a 15-year conventional fixed rate at 6.5% and a 30-year conventional fixed rate at 6.375%. The 30-year conventional fixed rate has held steady over the past week and month. For 30-year VA fixed, the rate is 6.125%, down 25 bp from a month ago. The 30-year conventional refinance rate is 6.875%, down 12 bp from a month ago.
Intouch offers a 5-year ARM at 6.5%, up 25 bp from 30 days ago. This is the only rate available today. Educators shows a 30-year Conventional Fixed rate today at 6.625%, unchanged from a week ago but up 38 bp from a month ago. The 15-year Conventional Fixed rate is not quoted today but was 5.875% on July 29. The 30-year VA Fixed rate was 6.125% on July 29. The 5-year ARM was 5.75% on July 29.
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.