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 when it was 4.50%. When the Fed Funds rate is higher, mortgage rates often face upward pressure because lenders’ borrowing costs increase.

Credit Union Loan Rates - Trends & Analysis:

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. Heritage Financial has a 15-year fixed rate at 6.25%, up 13 bp from last week, and a 30-year fixed rate steady at 6.5%. Their 5-year ARM is at 5.25%, and the 7-year ARM is 5.375%, both unchanged from last week.

Hawaiian Financial offers a 15-year fixed rate today at 5.25%, down 13 bp from last week. Their 30-year fixed rate holds steady at 6.125%. Both rates have been stable over the past month, with the 15-year showing a slight recent improvement. 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.