Credit Union Loan Rates - Trends & Analysis:
Affinity offers a 15-year conventional fixed rate at 5.125% and a 30-year conventional fixed rate at 5.75% today. FHA fixed rates are 4.375% for 3-year, 4.5% for 5-year, and 4.75% for 7-year terms. The 30-year conventional fixed rate is down 63 bp from 30 days ago. FHA fixed rates have dropped 100 bp over the last 30 days. Baxter offers a 15-year Conventional Fixed at 5.25% and a 30-year Conventional Fixed at 6.0%, with the 30-year rate down 25 bp from 30 days ago. Their 30-year Jumbo Fixed is today 5.875%, up 25 bp from 30 days ago. The 5-year ARM is 4.75%, down 25 bp from 30 days ago.
Navy Federal Credit Union has a 15-year Conventional Fixed rate today at 4.875%, down 13 bp from last week. Their 30-year Conventional Fixed is today 5.625%, also down 13 bp over the same period. The 30-year VA Fixed rate holds steady at 5.375%, while the 30-year Jumbo Fixed is today 5.875%, down 13 bp from last week. FHA 30-year Fixed remains at 5.0%, and 5-year ARM is steady at 5.25%.
Affinity Plus offers a 30-year Conventional fixed at 6.0% and a 15-year Conventional fixed at 5.5%, with the 15-year rate up 25 bp from a week ago but down 25 bp over the past month. The 30-year Conventional fixed rate is steady from last week but down 38 bp from a month ago. VA 30-year fixed loans are at 6.625%, down 25 bp in the last 30 days. Adjustable 5-year ARMs stand at 4.875%, down 38 bp from a month ago, while 7-year ARMs are at 5.125%, also down 38 bp over 30 days. Digital offers a 15-year conventional fixed rate at 5.375% and a 30-year conventional fixed rate at 6.0%, both unchanged from last week. The 15-year conventional fixed refinance rate is also 5.375%, up 25 bp from a month ago. The 30-year conventional fixed refinance rate is steady at 6.0%.
Delta Community offers a 15-year conventional fixed rate at 5.0%, down 13 bp from a week ago and 50 bp lower than a month ago. Their 30-year conventional fixed rate is 5.5%, also 13 bp lower than last week and 38 bp below the rate from 30 days ago. The 30-year jumbo fixed rate is today 5.625%, down 13 bp in the past week and 50 bp from a month ago. America'S First offers a 15-year fixed rate at 5.25% and a 30-year fixed rate at 6.125%, down 38 bp from 30 days ago. Their 5-year ARM is at 5.0%, down 25 bp from a month ago, and the 7-year ARM is 5.25%, also down 25 bp over 30 days. Rates have held steady over the past week.
Alabama shows a 15-year Conventional Fixed rate today at 5.5%, down 38 bp from last week. FHA 3-year, 5-year, 7-year, and 10-year ARM rates are also lower by 25 bp, with the 3-year ARM at 5.0% and the 10-year ARM at 6.5%. These rates reflect a slight easing compared to earlier in September. Connexus offers a 15-year conventional fixed rate at 5.125%, down 13 bp from a week ago. Their 30-year conventional fixed rate is steady at 5.875%. For 15-year conventional refinance, the rate is 5.75%, also down 13 bp from last week. The 30-year conventional refinance rate is 6.375%, down 13 bp over seven days. FHA 3-year ARM is 5.25%, down 50 bp from a week ago.
Alabama One offers a 15-year fixed at 5.375% and a 30-year fixed at 6.375%, both unchanged from last week. These rates have held steady since early September, providing consistent options for fixed-rate mortgages.