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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-14
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 3.75%, the same as 7, 30, 60, and 90 days ago. The rate is lower than it was one year ago at 4.50%. When the Fed Funds rate is higher, mortgage rates often face upward pressure because lenders’ costs increase.
Credit Union Loan Rates - Trends & Analysis:
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. The Golden 1 offers a 15-year Conventional fixed rate today at 5.875%, up 25 bp from last week, and a 30-year Conventional fixed at 6.625%, also up 25 bp. Their 30-year Conventional refinance rate is 7.0%, up 25 bp. FHA 30-year fixed is 6.49%, up 12 bp. Jumbo 30-year fixed is 6.375%, up 13 bp. Adjustable rates include 5-year and 7-year ARMs at 5.75%, each up 13 bp. The 10-year ARM is 6.0%, up 13 bp.
Market Indicators - Data & Insights:
Today, Zillow’s 30-year mortgage rate is 6.745%, higher than Freddie Mac’s 6.760%. Zillow’s 30-year rate is also higher than it was 7 days ago. The Zillow 15-year rate stands at 6.482%. These rates reflect current borrowing costs, which influence how many people can afford to buy homes or refinance existing loans.