Introduction
On September 23, 2025, mortgage rates are holding steady across credit unions and national averages, giving homebuyers and refinancers a moment to breathe. Whether you’re eyeing a new home or thinking about refinancing, today’s landscape offers some of the most competitive options in weeks. The lowest rate available is a 4.75% on 15-year VA fixed loans from multiple credit unions like Ent and Navy Federal Credit Union, making it an attractive choice for eligible veterans. Meanwhile, Zillow reports a slight uptick in jumbo loan rates, with the 30-year fixed jumbo climbing to 6.397%, reflecting subtle market shifts. Inflation expectations remain steady, signaling that borrowing costs might stay stable for now. Here’s what you need to know before locking in a rate.
New Purchase - VA 15 yrs Fixed
Lender
2025-09-23
(Current Day)
(Current Day)
2025-09-16
(7 Days Ago)
(7 Days Ago)
2025-09-08
(15 Days Ago)
(15 Days Ago)
2025-08-24
(30 Days Ago)
(30 Days Ago)
2025-08-09
(45 Days Ago)
(45 Days Ago)
2025-07-25
(60 Days Ago)
(60 Days Ago)
2025-06-25
(90 Days Ago)
(90 Days Ago)
New Purchase - VA 30 yrs Fixed
Lender
2025-09-23
(Current Day)
(Current Day)
2025-09-16
(7 Days Ago)
(7 Days Ago)
2025-09-08
(15 Days Ago)
(15 Days Ago)
2025-08-24
(30 Days Ago)
(30 Days Ago)
2025-08-09
(45 Days Ago)
(45 Days Ago)
2025-07-25
(60 Days Ago)
(60 Days Ago)
2025-06-25
(90 Days Ago)
(90 Days Ago)
6.25%
6.25%
6.38%
+12.5 bps
6.75%
+50 bps
6.88%
+62.5 bps
5.75%
-50 bps
5.88%
-37.5 bps
CAPITAL CREDIT UNION
As of September 23, 2025, Federal VA Loans for home purchases remain stable. The 15-year fixed VA loan holds steady at 5.0%, unchanged from both one week and fifteen days ago, representing a consistent borrowing cost for veterans seeking shorter-term financing. Meanwhile, the 30-year fixed VA loan maintains its rate at 5.5%, with no movement over the past week, indicating steady yield spreads in long-term veteran mortgage options.
For veterans prioritizing predictable payments, these fixed rates offer clarity amid market fluctuations. First-time buyers and refinancing members should consider their time horizon; shorter terms at 5.0% may reduce total interest expense, while longer terms at 5.5% spread costs over time.
Given the current stability, members should evaluate if fixed-rate VA loans align with their financial strategy and consider refinancing only if potential savings surpass associated costs.
For details, visit https://www.capitalcu.com/mortgage-rates.
CREDIT UNION WEST CREDIT UNION
As of September 23, 2025, mortgage rates at Credit Union West remain steady for key purchase programs. The 15-Year Fixed Purchase loan holds at a competitive 4.99% with 1.625 points, showing no change over the past week. Similarly, the 30-Year Fixed Purchase rate is stable at 5.375% with 1.625 points, unchanged from seven days ago. These steady yields suggest minimal short-term volatility in borrowing costs for fixed-rate borrowers.
For members prioritizing predictability and lower interest expense, the 15-Year Fixed remains the lowest-cost option by yield spread, beneficial for those aiming to reduce total interest over the loan term. The unchanged rate environment allows potential buyers and current homeowners to evaluate fixed-rate strategies without concern for recent upward pressure.
Consider reviewing your mortgage plan if you value payment stability or seek to optimize long-term financing; consistent rates indicate a window to lock favorable terms. For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.
ENT CREDIT UNION
As of September 23, 2025, VA 15-Year Fixed and VA 30-Year Fixed purchase mortgage rates remain steady at 4.75% and 5.50%, respectively. Both show no change over the past week but reflect a significant decline of 50 basis points compared to 30 days ago. This reduction in yield spreads translates into lower cost of borrowing for veterans seeking fixed-rate options. The stable short-term trend offers predictability for members prioritizing consistent payments, while the notable monthly decrease may encourage consideration of refinancing or purchasing decisions based on these historically lower rates. Members should assess their mortgage strategy carefully; those valuing payment stability might favor the VA 15-Year Fixed, now the lowest rate available, whereas longer-term borrowers could evaluate the benefits of locking in today’s VA 30-Year Fixed rate. For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates.
FIRST COMMUNITY CREDIT UNION
As of September 23, 2025, the 30-year Fixed VA Purchase mortgage rate remains steady at 5.25%, unchanged over the past 7 days but down 37.5 basis points compared to 30 days ago. This reduction in borrowing cost may benefit veterans and eligible homebuyers seeking stable long-term financing. The absence of points on this loan underscores its straightforward cost structure.
For members prioritizing payment predictability, maintaining a fixed-rate VA mortgage could offer financial clarity amid recent market fluctuations. Given the current yield spreads, those considering purchase loans should evaluate fixed-rate options if stability is a key factor. Additionally, veterans may find refinancing opportunities advantageous if their existing rates exceed today’s lowered benchmark.
Consider your mortgage strategy carefully; when potential savings from refinancing surpass associated costs, adjusting your loan could optimize long-term expenses. For details, visit https://fccu.org/rates/home-loan-rates.
HANSCOM FEDERAL CREDIT UNION
As of September 23, 2025, VA 15 Year Fixed Purchase loans maintain the lowest rate at 5.125%, unchanged over the past week. The VA 30 Year Fixed Purchase rate holds steady at 5.75%, showing no movement from seven days ago but a slight decline from 15 days prior, reflecting tightening yield spreads. Stability in these government-backed fixed-rate options suggests consistent borrowing costs for veterans and first-time homebuyers prioritizing long-term payment certainty. Members considering purchase loans should assess fixed-rate products for predictable budgeting. Given minimal short-term rate fluctuations, it remains prudent to evaluate your mortgage strategy carefully, especially if contemplating refinancing, ensuring potential savings outweigh associated costs.
For details, visit https://www.hfcu.org/rates/mortgage-rates.html.
MOUNTAIN AMERICA FEDERAL CREDIT UNION
As of September 23, 2025, 15-year VA fixed loans remain at a competitive 4.875%, unchanged from last week, while the 30-year VA fixed rate holds steady at 5.375%. These stable yields reflect minimal short-term volatility in veteran loan costs. For veterans and first-time buyers, the persistence of these rates suggests predictable borrowing expenses for both shorter and longer terms. Notably, the 15-year VA fixed rate at 4.875% represents the lowest cost option available today, offering reduced interest outlays over time. Members should evaluate their mortgage horizon carefully; those valuing long-term payment stability might prioritize the fixed-rate VA products, while others could monitor market shifts for refinancing opportunities. Consider assessing whether current rates align with your financial strategy to optimize borrowing costs.
For details, visit https://www.macu.com/rates/home.
NAVY FEDERAL CREDIT UNION
As of September 23, 2025, Navy Federal Credit Union mortgage rates show stability in key loan products. The 15-year Fixed VA loan remains at a competitive 4.75% with 0.5 points, unchanged from last week but down 25 basis points over the past 30 days, reflecting a modest decrease in borrowing costs for veterans seeking shorter-term financing. Meanwhile, the 30-year Fixed Military Choice loan holds steady at 6.25% with 0.5 points, unchanged weekly and down 50 basis points versus 30 days ago, offering long-term buyers consistent yield spreads amid recent market fluctuations.
These trends suggest that members prioritizing rate certainty may benefit from fixed-rate options, while those evaluating purchase timing should consider current cost reductions relative to one month prior. Members are advised to assess their mortgage strategy carefully; refinancing could be advantageous if potential savings outweigh associated costs.
For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.
PENTAGON FEDERAL CREDIT UNION
As of September 23, 2025, the 30-year Fixed VA Loan for home purchases remains steady at 5.25%, showing no change from one week ago. This stability in yield spreads reflects a consistent cost of borrowing for veterans seeking to purchase a home with government-backed financing. For members prioritizing payment predictability, the unchanged rate underscores the appeal of fixed-rate options amid market fluctuations. First-time buyers and returning veterans can assess their mortgage strategies without immediate pressure from rising rates. Given the current environment, members should evaluate whether locking in this fixed VA loan rate aligns with their long-term financial goals and consider refinancing only if potential savings surpass associated costs. For details, visit https://www.penfed.org/mortgage/mortgage-rates?_ga=GA1.1.113342144.1749209030&mcid=44478617903031329443022793571867311851.
POTLATCH NO. 1 FINANCIAL CREDIT UNION
As of September 23, 2025, mortgage rates at Potlatch No. 1 Financial remain stable for key fixed-rate purchase loans. The 15-Year Fixed Purchase rate holds steady at 4.75%, matching its level from both one and seven days ago, representing the lowest rate available today. Similarly, the 30-Year Fixed Purchase rate remains unchanged at 5.25% over the same period.
This stability in rates means that borrowers prioritizing predictable monthly payments, such as first-time homebuyers or those seeking long-term financing certainty, can proceed without concern for recent rate increases. For members considering longer-term commitments, the consistent 30-year fixed yield indicates no immediate change in borrowing costs. Given these conditions, members should evaluate their mortgage strategy carefully; those with existing adjustable-rate loans may consider switching to fixed options to lock in current yields. Additionally, refinancing decisions should weigh current rates against outstanding loan terms to optimize cost savings.
For details, visit https://www.p1fcu.org/personal/mortgage-rates.
WHATCOM EDUCATIONAL CREDIT UNION
As of September 23, 2025, VA 15-Year Fixed Purchase loans remain at a lowest rate of 4.75%, unchanged over the past week but down 50 basis points from 30 days ago. This decline reduces the long-term cost of borrowing for veterans seeking shorter-term stability. Meanwhile, the VA 30-Year Fixed Purchase rate holds steady at 5.5%, also unchanged weekly and down 62.5 basis points over the last month, offering more affordable financing for longer-term homeownership.
These stable weekly yields with notable monthly declines suggest an opportunity for eligible buyers to secure favorable fixed-rate terms. Veterans prioritizing predictable payments may find the 15-year option advantageous due to its lower rate and shorter amortization, while those focusing on cash flow could evaluate the 30-year product’s reduced rate relative to prior months.
Members should consider their mortgage strategy carefully; declining rates may warrant reviewing refinancing options or locking in current fixed rates to manage future interest costs effectively. For details, visit https://www.wecu.com/homeloans/purchase/.
Zillow National Average
As of September 23, 2025, mortgage rates are showing a mixed trend. The 15-Year Fixed Rate Jumbo increased slightly to 6.206%, up by 3 basis points from yesterday and 1 basis point over the past week. Conversely, the 30-Year Fixed Rate Jumbo rose to 6.397%, also reflecting a 3 basis point increase in one day and a 5 basis point rise over the last week. Notably, both products have seen declines in the past month, with the 15-Year Fixed Rate Jumbo dropping by 20 basis points. Borrowers should consider these fluctuations when planning their financing options, as current rates remain competitive but may vary based on market conditions.
Federal Reserve Economic Trends
As of September 23, 2025, breakeven inflation rates remain stable at 2.370% for 10 years and 2.420% for 5 years, indicating steady inflation expectations. In contrast, mortgage rates have experienced significant declines; the Mortgage 30Yr Average Rate has dropped by 6.58 points over the past 30 days, reflecting a broader trend in borrowing costs. The most notable one-day change is in the Mortgage 30Yr Jumbo Average Rates, decreasing by 6.52 points. Borrowers may find opportunities with lower rates, particularly with the lowest reported mortgage rate being 5.757% for VA loans. Monitoring these indicators can help inform strategic financial decisions regarding home purchases and refinancing options.
LendMesh
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Conclusion
Looking ahead, small changes in mortgage rates can ripple through your finances more than you might expect. Even an increase of just a few basis points adds up over time, raising your monthly payment by dozens of dollars or thousands in interest over the life of a loan. If you qualify for VA loans, locking in the 4.75% 15-year fixed rate could save you substantial money while shortening your payoff timeline. For others, keeping an eye on jumbo and conventional rates as they shift slightly higher will help you decide when to act. Remember, the best strategy balances your financial goals with current market conditions, don’t rush but stay informed. With stable inflation signals and credit union rates steady this week, now is a good time to review your options carefully and plan ahead for long-term savings.