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:

First Community offers 15-year and 30-year Conventional Fixed loans at 5.5% and 6.375%, respectively. Their 30-year FHA Fixed and VA Fixed loans are both at 5.99%. Jumbo 30-year Fixed loans stand at 6.5%. Rates have held steady over the past month. 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 at 6.125%, up 25 bp from a week ago, and a 30-year Conventional Fixed at 6.625%, up 13 bp. The 30-year FHA Fixed is 6.375%, up 25 bp from last week. Adjustable rates are not listed. The 5-year Adjustable is 5.125%, steady from last week, while the 7-year Adjustable is 5.375%, also steady. The 10-year Adjustable is 5.75%, unchanged from last week. Jumbo 30-year Fixed is 6.75%, up 13 bp. Space Coast shows a 15-year Conventional Fixed rate today at 5.625%, up 13 bp from a week ago. The 30-year Conventional Fixed is 6.375%, also up 13 bp over the same period. Their 15-year Conventional ARM is 5.75%, and the 30-year Conventional ARM is 6.5%, both up 13 bp from last week. FHA, VA, and Jumbo 30-year Fixed rates hold steady at 6.5%, 6.5%, and 6.375%, respectively.

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%.