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:

First Community offers a 15-year Conventional Fixed rate at 5.5% and a 30-year Conventional Fixed rate at 6.375%. The 30-year FHA Fixed and VA Fixed rates are both 5.99%. Jumbo 30-year Fixed loans are at 6.5%. All rates have remained steady over the past weeks. Municipal Empl.Credit Union Of Balt offers 15-year and 30-year Conventional Fixed loans today at 5.625% and 6.375%, respectively. FHA 30-year Fixed is priced at 4.875%, with 5-year, 7-year, and 10-year Adjustable Rate Mortgages at 5.0%, 5.5%, and 5.75%. These rates reflect the current market as of August 31, 2026.

Aberdeen Proving Ground offers a 15-year Conventional fixed rate at 6.0%, up 13 bp from last week, and a 30-year Conventional fixed rate at 6.5%, also up 13 bp over seven days. The 30-year FHA fixed rate is 6.375%, rising 25 bp in the past week. Adjustable rates for 5-, 7-, and 10-year terms are between 5.125% and 5.75%, with a 13 bp increase over 30 days for the 5-, 7-, and 10-year options. Heritage Financial offers a 15-year fixed rate at 6.25% and a 30-year fixed rate at 6.625% today. They also have adjustable rates for 5-year ARMs at 5.375% and 7-year ARMs at 5.5%. These rates have stayed steady over the past month.

Topline Financial has a 15-year conventional fixed rate at 6.0%, up 13 bp from a week ago. Their 30-year conventional fixed rate remains steady at 6.625%. Adjustable rates for 5-, 7-, and 10-year terms hold at 5.375%, 5.625%, and 5.875%, respectively. Tropical Financial has a 15-year Conventional Fixed rate today at 5.75%, unchanged from a week ago but up 13 bp from a month ago. Their 30-year Conventional Fixed rate is 6.625%, steady over the past week but up 25 bp from 30 days back. The 30-year Conventional Fixed refinance rate is 6.75%, up 13 bp from a week and a month ago. Jumbo 30-year Fixed is 6.25%, up 13 bp from last week and 38 bp from a month ago. The 5-year Adjustable rate is 5.125%, steady this week but up 13 bp from 30 days ago.

Credit Union 1 offers a 15-year conventional fixed rate today at 5.375%, up 25 bp from 30 days ago. The 30-year conventional fixed rate is 5.625%, also up 25 bp over the past month. Their 30-year VA fixed rate is 5.875%, which increased by 25 bp in the last 30 days. Peach State offers a 15-year conventional fixed rate at 6.0%, unchanged from a week ago but down 25 bp from a month ago. Their 30-year conventional fixed rate holds steady at 6.875%. For adjustable rates, the 5-year ARM is at 5.375%, up 13 bp from both a week and a month ago, with the 7-year ARM at 5.5%, also up 13 bp. The 10-year ARM stands at 5.625%, up 13 bp as well.

American Heritage offers a 15-year Conventional Fixed at 5.642% today, up 12 bp from a week ago, and a 30-year Conventional Fixed at 6.558%, up 13 bp. Their 30-year FHA Fixed and VA Fixed rates are both 6.375%, also up 13 bp. The 30-year Jumbo Fixed is 7.241%, rising 12 bp. Adjustable 5-year and 7-year ARMs are at 5.625% and 5.875%, respectively, with the 5-year ARM up 13 bp from last week. Jeanne D'Arc offers a 15-year conventional fixed at 5.75% and a 30-year conventional fixed at 6.5%, both steady over the past month. Their 5-year ARM is at 5.375%, up 13 bp over 30 days. The 7-year ARM stands at 5.625% with no recent change. The 30-year jumbo fixed matches the 30-year conventional fixed at 6.5%.