Introduction
As of June 9, 2025, mortgage rates are sending a mixed but hopeful message for those ready to buy or refinance. While some lenders like Delta Community Credit Union hold steady with a 15-year fixed rate at an inviting 5.375%, others show slight upticks. Notably, Zillow reports the 30-year fixed jumbo rate rising by over 10 basis points this week to 6.86%, signaling a nudge upward in that space. Meanwhile, broader economic signals from the Federal Reserve hint at modest easing in inflation expectations, with the 10-year breakeven inflation rate dipping slightly to 2.31%. This subtle shift could offer some long-term relief for borrowers looking beyond just today’s numbers. Here’s what you need to know before locking in a rate: finding the right fit means balancing today’s competitive credit union offers with national trends and your personal financial goals.
New Purchase - Conventional 15 yrs Fixed
Lender
2025-06-09
(Current Day)
(Current Day)
2025-06-02
(7 Days Ago)
(7 Days Ago)
2025-05-25
(15 Days Ago)
(15 Days Ago)
2025-05-10
(30 Days Ago)
(30 Days Ago)
Civic Federal Credit Union
6.00%
5.88%
-12.5 bps
6.00%
5.88%
-12.5 bps
Delta Community Credit Union
5.38%
5.38%
5.38%
5.38%
Digital Federal Credit Union
5.50%
5.38%
-12.5 bps
5.63%
+12.5 bps
5.50%
Hawaiistatefcu
5.50%
5.38%
-12.5 bps
Langley Federal Credit Union
5.63%
5.63%
5.63%
5.63%
Mountain America Credit Union
7.88%
7.88%
7.88%
7.75%
-12.5 bps
Navy Federal Credit Union
5.50%
5.50%
5.50%
Nuvisionfederal
5.63%
5.50%
-12.5 bps
5.63%
5.38%
-25 bps
State Department Federal Credit Union
5.88%
5.88%
6.00%
+12.5 bps
6.00%
+12.5 bps
New Purchase - Conventional 30 yrs Fixed
Lender
2025-06-09
(Current Day)
(Current Day)
2025-06-02
(7 Days Ago)
(7 Days Ago)
2025-05-25
(15 Days Ago)
(15 Days Ago)
2025-05-10
(30 Days Ago)
(30 Days Ago)
Affinity Plus Federal Credit Union
7.00%
7.00%
6.88%
-12.5 bps
6.75%
-25 bps
Civic Federal Credit Union
6.63%
6.63%
6.63%
6.50%
-12.5 bps
Delta Community Credit Union
6.25%
6.25%
6.25%
6.25%
Digital Federal Credit Union
6.38%
6.25%
-12.5 bps
6.50%
+12.5 bps
6.25%
-12.5 bps
Hawaiistatefcu
6.50%
6.38%
-12.5 bps
Langley Federal Credit Union
6.13%
6.13%
6.13%
6.13%
Mountain America Credit Union
8.13%
8.13%
8.13%
8.00%
-12.5 bps
Navy Federal Credit Union
6.38%
6.38%
6.25%
-12.5 bps
Nuvisionfederal
6.50%
6.50%
6.63%
+12.5 bps
6.38%
-12.5 bps
State Department Federal Credit Union
6.50%
6.38%
-12.5 bps
6.75%
+25 bps
6.75%
+25 bps
Affinity Plus Federal Credit Union
As of June 9, 2025, the 30-Year 97% Purchase Fixed-Rate Conventional mortgage remains steady at 7.00%, showing no change over the past week but a notable increase of 25 basis points compared to 30 days ago. This yield spread expansion signals a higher cost of borrowing for homebuyers, particularly impacting first-time purchasers relying on high loan-to-value financing. Veterans and refinancing applicants should monitor comparable government-backed options as conventional rates influence market benchmarks. Given the recent upward trend, members valuing payment stability may consider locking in fixed-rate loans now. Evaluating your mortgage strategy in light of these shifts can help mitigate long-term costs amid evolving market conditions.
Civic Federal Credit Union
On June 9, 2025, 15 Year Fixed - Conforming Purchase rates increased by 12.5 basis points to 6.00%, up from 5.875% a week ago, reflecting a modest rise in the cost of borrowing for shorter-term fixed loans. Meanwhile, the 30 Year Fixed - Conforming Purchase rate held steady at 6.625%, unchanged over seven days but up 12.5 basis points compared to 30 days prior, indicating persistent yield spread pressures on longer-term financing.
For members prioritizing payment stability and faster equity build-up, the rise in the 15-year fixed rate suggests evaluating affordability under slightly higher rates. Those considering extended terms may find consistent 30-year fixed rates beneficial despite incremental increases over the month.
Given these movements, members should consider fixed-rate options if valuing predictability and evaluate refinancing strategies to manage long-term costs effectively amid evolving mortgage yields.
Delta Community Credit Union
As of June 09, 2025, fixed-rate mortgage yields for both 15-year and 30-year purchase loans remain steady at 5.375% and 6.25%, respectively. These unchanged rates over the past 7 and 30 days indicate stable borrowing costs, with no fluctuations in yield spreads or basis points. For members prioritizing predictable payments, the 15-year fixed purchase loan at 5.375% offers the lowest rate option, beneficial for those aiming to minimize interest expenses over time. Conversely, the 30-year fixed purchase loan at 6.25% provides longer-term flexibility but at a higher yield cost. In this environment of rate stability, members should consider fixed-rate options if valuing payment consistency and evaluate mortgage strategies accordingly, especially when planning purchases or locking rates to manage long-term financial obligations effectively.
Digital Federal Credit Union
On June 9, 2025, 15-Year Fixed Purchase mortgage rates edged up by 12.5 basis points to 5.50%, maintaining the lowest yield among today’s options. Meanwhile, the 30-Year Fixed Purchase rate increased by the same margin to 6.375%, reflecting a rise in the cost of borrowing over the past week and month. These upward movements indicate modest tightening in yield spreads, potentially impacting affordability for long-term homebuyers and those seeking stability with fixed payments. Members considering home purchases should weigh the benefits of locking in current rates, especially if prioritizing shorter-term financing with lower overall interest exposure. Given these trends, it is prudent to evaluate fixed-rate mortgage strategies carefully and explore refinancing opportunities where applicable to optimize long-term financial outcomes.
Hawaiistatefcu
On June 09, 2025, 15-year fixed purchase mortgages rose by 12.5 basis points to 5.50%, marking the lowest rate among today's offerings. Similarly, the 30-year fixed purchase mortgage increased by 12.5 basis points to 6.50%. These upward yield spreads indicate a modest rise in the cost of borrowing over the past week. For members prioritizing predictability, the 15-year fixed loan at 5.50% remains a cost-effective choice, especially for those aiming to reduce interest expense over time. First-time buyers and those evaluating long-term affordability should weigh these increments carefully when planning purchases. Given these trends, members may want to consider fixed-rate options for stability or evaluate refinancing strategies to optimize their mortgage terms amid evolving rate conditions.
Langley Federal Credit Union
On June 9, 2025, Langley Federal Credit Union reports stable mortgage rates for fixed-rate purchase loans. The 15-Year Fixed Purchase rate remains at 5.625%, holding steady over the past 7 and 30 days with no basis point change, reflecting consistent borrowing costs for members seeking shorter-term commitments. Similarly, the 30-Year Fixed Purchase rate is unchanged at 6.125%, indicating no movement in yield spreads affecting long-term financing options.
For members prioritizing predictability, the unchanged rates suggest evaluating fixed-rate products to lock in current yields without exposure to market volatility. First-time buyers can benefit from the stability in the lower 15-Year Fixed option, which offers reduced interest expense over time. While refinancing options are not covered today, those considering long-term planning should monitor these rates for future opportunities to optimize their mortgage strategy.
In summary, the lack of rate fluctuation supports a data-driven approach: consider your timeline and risk tolerance carefully when selecting between these fixed-rate programs.
Mountain America Credit Union
On June 9, 2025, 15-year fixed second mortgage rates for purchases remain steady at 7.875%, unchanged over the past week but up 12.5 basis points compared to 30 days ago. Meanwhile, the 30-year fixed second mortgage with a 15-year balloon holds at 8.125%, also stable week-over-week yet increased by 12.5 basis points month-over-month. These yield spreads suggest a modest rise in the cost of borrowing for second mortgages over the past month, impacting members seeking longer-term financing options. For buyers prioritizing payment stability, the lower rate on the 15-year fixed second mortgage offers a comparatively less expensive borrowing cost. Members should carefully evaluate their mortgage strategy amid these shifts, considering fixed-rate products to manage future rate volatility and assessing refinancing opportunities to mitigate higher long-term expenses.
Nuvisionfederal
On June 09, 2025, the 15-Year Conforming Fixed Purchase mortgage rate rose by 12.5 basis points to 5.625%, marking a notable increase over the past week and a cumulative rise of 25 basis points compared to 30 days ago. This upward movement increases the cost of borrowing for buyers seeking shorter-term fixed loans, potentially impacting monthly payments and affordability. Meanwhile, the 30-Year Conforming Fixed Purchase rate remained steady at 6.5%, showing no change week-over-week but up 12.5 basis points from one month prior. For members prioritizing payment stability, the unchanged longer-term fixed rate may present a more predictable option despite its higher yield spread. Given these trends, borrowers should carefully evaluate their mortgage strategy, considering fixed-rate options for budget certainty or reviewing refinancing opportunities to optimize long-term costs amid rising short-term yields.
State Department Federal Credit Union
On June 9, 2025, Conforming 15 Year Fixed Purchase loans maintain the lowest rate at 5.875% with minimal change over the past week (0 bps) but a notable decrease of 12.5 basis points compared to 30 days ago, reducing the cost of borrowing for members seeking shorter-term stability. Conversely, the Conforming 30 Year Fixed Purchase rate increased by 12.5 basis points week-over-week to 6.5%, despite a month-over-month decline of 25 basis points, reflecting yield spread fluctuations impacting longer-term affordability.
For members prioritizing predictable payments, especially first-time buyers or those valuing budget certainty, the steady 15-year fixed rate offers consistent financing costs. Meanwhile, prospective purchasers considering a 30-year fixed loan should evaluate recent volatility and long-term interest trends carefully. Members are advised to review their mortgage strategies in light of these nuanced rate movements to optimize borrowing costs effectively.
Zillow National Average
As the sun rises on June 9, 2025, mortgage rates are heating up, echoing the summer's relentless warmth. Today, we see a sharp rise in the 15-Year Fixed Rate Jumbo, which increased by 0.17% since yesterday and has climbed 0.54% over the past week—making it a critical moment for potential borrowers. While these rates remain mixed overall, this uptick signifies that first-time buyers should act swiftly; even a small increase can translate into significant long-term costs.
For homeowners considering refinancing, now may be a golden opportunity to lock in lower rates before they climb higher. Remember, a mere 0.25% increase can add tens of thousands to your total mortgage cost over 30 years! Investors should weigh these fluctuations carefully against potential rental yields.
With Zillow’s reliable real-time data guiding us, don’t miss out on today’s potential savings! Speak with a mortgage advisor to explore your best options. As market conditions evolve and with whispers of future rate hikes from the Fed, staying informed is crucial—now might just be the right time to strike while rates are still favorable.
Federal Reserve Economic Trends
As we dive into today’s economic landscape, one standout trend emerges: the Mortgage 30-Year Average Rates have seen a noticeable rise of 0.23 points over the past 60 days, reflecting ongoing inflation concerns that are shaping borrowing costs. With the Breakeven Inflation Rate remaining stable at 2.310%, it underscores how inflation expectations continue to influence interest rates.
For homebuyers and investors, even a slight uptick in mortgage rates can significantly impact monthly payments. For instance, an increase of just 0.25% on a $300,000 loan could add around $40 to your monthly payment. This makes it critical to monitor rates closely—if you find a favorable rate, locking it in might be wise.
The largest weekly change was seen in the Mortgage 30Yr USDA Average Rates, rising by 0.06 points, while the 30Yr VA Average Rates climbed by 0.16 points over the past month, indicating a shift that first-time buyers and those looking to refinance should watch closely.
As we look ahead, staying attuned to both inflation trends and mortgage rate movements is crucial for making informed financial decisions. Don’t hesitate to consult with a mortgage advisor to navigate these fluctuations effectively—your future self will thank you! Keep an eye on upcoming Fed decisions that could further influence these vital rates—the market waits for no one!
LendMesh
Have you ever wished someone would just simplify the mortgage process? That’s the inspiration behind LendMesh. Our team of advisors has helped buyers and homeowners from all walks of life, and we know how confusing all those rates, terms, and lender choices can be. That’s why we work with a network of credit unions and banks who share our commitment to clarity and transparency. On LendMesh, you’ll find straightforward tools, easy comparisons, and the kind of personalized support that takes the stress out of home loans. Whether you’re buying, refinancing, or just exploring your options, you’re invited to our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans where your questions are always welcome.
Conclusion
Looking ahead, every fraction of a percent matters more than ever — even small moves can add up to hundreds of dollars difference each month or tens of thousands over a loan’s life. Whether you’re eyeing that affordable 15-year fixed rate near 5.375% at Delta Community or considering jumbo options on Zillow’s radar, timing and context are everything. Keep an eye on inflation trends too; they often foreshadow shifts in mortgage costs down the road. My advice? Don’t rush just because rates wiggle—use these insights to weigh your options carefully. Lock in when you feel confident that the rate fits your budget and timeline, knowing you’ve done your homework on today’s market pulse. The right choice now can turn into years of savings and peace of mind as you settle into your next home chapter.