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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:
Nasa offers a 15-year conventional fixed rate at 5.875% today, up 13 bp from last week. The 30-year conventional fixed rate holds steady at 6.375%. FHA 30-year fixed loans are at 6.25%, also up 13 bp from last week. VA 30-year fixed loans are 6.0%, up 13 bp from last week. Jumbo 30-year fixed loans are at 6.5%, up 13 bp from last week and 13 bp higher than a month ago. 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%. Spokane Teachers 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 FHA fixed rate is 6.125%, down 13 bp from a week ago. Jumbo 30-year fixed loans remain at 6.5%, rising 13 bp over the past 30 days. The 5-year adjustable rate is 6.375%, up 13 bp in the last 30 days.
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%. Whatcom Educational offers a 15-year conventional fixed rate at 5.875% and a 30-year conventional fixed rate at 6.625%, both unchanged from a week ago. The 30-year jumbo fixed rate is 6.625%, down 13 bp from 30 days ago. The 30-year VA fixed rate is steady at 6.25%. The 15-year and 30-year conventional refinance rates remain at 5.875% and 6.625%, respectively.
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. Americas-Credit-Union offers a 30-year Jumbo loan at 6.375% today, unchanged from two weeks ago. Their 5-year ARM is steady at 5.74%. 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.
Numerica offers a 15-year fixed rate at 6.0%, down 13 bp from a week ago. Their 30-year fixed rate is 6.625%, unchanged from last week but down 13 bp from a month ago. The jumbo 30-year fixed rate is 7.625%, steady over the past week but up 13 bp from 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.