Mortgage Loans

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 3.75%, unchanged from 1, 7, 30, 60, 90, and 180 days ago. It is lower than one year ago and two years ago. When the Fed Funds rate is higher, it can increase mortgage rates as borrowing costs rise for lenders.

Credit Union Loan Rates - Trends & Analysis:

Security Service offers a 15-year conventional fixed rate at 5.25% and a 30-year conventional fixed rate at 6.0%. The 30-year jumbo fixed rate is also 6.0%, while the FHA 30-year fixed rate stands at 7.5%. Additionally, the 30-year VA fixed rate is 7.125%, and the 10-year adjustable fixed rate is 5.875%. Mccoy offers a 15-year fixed rate at 5.5% and a 30-year fixed rate at 6.0%, both unchanged from recent weeks. These steady rates provide clear options for fixed-term loans today.

Safe 1 offers a 15-year fixed rate at 5.5% and a 30-year fixed rate at 6.0% as of September 1, 2026. Rates have held steady over the past week and month. These stable rates provide clear options for fixed-term mortgages. Family Trust offers a 15-year fixed rate at 5.25%, up 25 bp from a week ago, and a 30-year fixed rate at 6.125%, also up 25 bp from last week. Both rates have increased by 25 bp compared to a month ago. East Texas Professional offers 15-year fixed loans at 6.375% and 30-year fixed loans at 6.75%, both unchanged from recent weeks. Their 5-year ARM is steady at 5.25%, while the 10-year ARM holds at 6.0%. Rates remain stable across all terms today.

Newport News Shipbuilding Employees offers a 15-year conventional fixed rate at 6.375%, up 13 bp from a week ago, and a 30-year conventional fixed at 6.875%, also up 13 bp over the same period. The 30-year FHA fixed rate is 6.25%, unchanged from last week. The 30-year VA fixed rate is 6.375%, steady from seven days prior. The 15-year conventional fixed rate rose by 25 bp over the past 30 days. Affinity Plus offers a 15-year Conventional fixed rate at 6.125% and a 30-year Conventional fixed and refinance rate at 6.75%. The VA 30-year fixed rate is 7.25%. Adjustable rates include 5-year ARMs at 5.25% and 7-year ARMs at 5.5%, all unchanged from recent weeks.

U.S. Eagle offers a 15-year conventional fixed rate at 5.576% and a 30-year conventional fixed rate at 6.55%. The VA 30-year fixed rate is 5.625%, and the jumbo 30-year fixed rate is 7.25%. All rates have stayed steady over the past week and month. Family Security offers a 30-year conventional fixed mortgage at 5.36% today. Rates have stayed steady over the past week. This is the only rate available from this credit union at the moment. Affinity offers a 15-year conventional fixed rate today at 5.375%, down 13 bp from last week but up 13 bp from a month ago. Their 30-year conventional fixed rate is 6.0%, also down 13 bp from last week and up 13 bp from a month ago. FHA fixed rates are 5.625% for 3-year, 5.75% for 5-year, and 6.0% for 7-year terms, each down 13 bp from last week and up 13 bp from a month ago.