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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:
Fibre 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 but down 12 and 13 bp from a month ago, respectively. Their 30-year fixed FHA rate is 6.25%, up 13 bp from last week but steady over the month. Potlatch No. 1 Financial offers a 15-year conventional fixed rate at 5.875%, up 13 bp from last week. Their 30-year conventional fixed rate holds steady at 6.5%. The 30-year fixed FHA and VA loans are both 5.875%, unchanged from previous weeks. The 30-year conventional jumbo fixed rate remains at 6.5%, while the 30-year conventional fixed refinance rate is 6.625%.
Rivermark Community offers a 15-year conventional fixed rate at 5.875% and a 30-year conventional fixed at 6.625%, both unchanged from last week but up 13 bp since early August. Their 5-year adjustable rate is steady at 5.75%, and the 7-year adjustable is 5.875%, with the 10-year adjustable at 6.25%. Onpoint Community offers 15-year and 30-year Conventional Fixed loans at 5.875% and 6.5%, respectively. Their 30-year FHA and VA Fixed rates are both 6.375%, down 13 bp from a week ago. The 30-year Jumbo Fixed rate is 6.5%, also down 13 bp over the last week. The 5-year ARM is at 6.5%, down 13 bp from seven days prior.
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. 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. Selco Community offers a 15-year conventional fixed rate at 6.0% and a 30-year conventional fixed rate at 6.625%. Their 30-year FHA fixed rate is 5.75%, and the 30-year VA fixed rate is 5.875%. These rates have stayed steady over the past month.
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.
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.