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Today’s Mortgage Rates & Analysis - Updated on 2026-AUG-29
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:
Community First offers a 15-year fixed rate at 6.125% today, up 13 bp from a week ago. Their 30-year fixed rate remains steady at 6.75%. The 15-year fixed rate was 6.0% two weeks ago, showing a slight increase over the past month. 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%.
Wescom Central offers a 15-year conventional fixed rate at 6.125%, up 13 bp from last week. Their 30-year conventional fixed is 6.75%, also up 13 bp in the past 7 days. Adjustable rates include a 5-year ARM at 5.75%, down 13 bp over 30 days, and a 7-year ARM at 5.99%, down 26 bp in the last 30 days. The 10-year ARM stands at 6.375%, up 13 bp from a week ago and down 13 bp over 30 days. 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.
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. 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. Kinecta offers a 30-year Conventional Fixed mortgage at 6.375% today, up 13 bp from a week ago but down 25 bp from 30 days ago. They also have 30-year Jumbo Fixed loans at 6.625%. For Adjustable-Rate mortgages, 5-year and 7-year ARMs are both at 5.625% today.
Safe offers a 30-year conventional fixed mortgage at 6.63% today. This rate is up 13 bp from last week and 38 bp higher than 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.