November 10, 2025 | Credit Union Fixed Loans Hold Steady at 4.50% Lowest Rate

As of November 10, 2025, mortgage rates at AFFINITY Credit Union remain stable across key fixed-rate purchase programs. The 15-Year Fixed Rate Purchase loan holds steady at 5.125%, unchanged from one week and one month ago, reflecting no movement in yield spreads or cost of borrowing for shorter-term fixed loans. Similarly, the 30-Year Fixed Rate Purchase loan remains at 5.75%, with no basis point changes over the past 7 and 30 days, indicating consistent market conditions affecting long-term fixed-rate borrowing.

For members prioritizing predictable payments, the stability in these fixed-rate mortgage options supports informed decisions without added rate volatility risk. First-time buyers and those planning purchases can evaluate these rates against their financial goals, while refinancing considerations should factor in this rate consistency to assess potential long-term savings.

Given this data, members may consider locking in a fixed rate if seeking payment certainty or reviewing refinancing options when potential savings exceed transaction costs.

For details, visit https://www.affinityfcu.com/about-us/rates#:~:text=Mortgages,-Loan%20Type.

On November 10, 2025, 15-Year Conforming Fixed Purchase loans remain at a stable 4.5%, unchanged from one week ago, reflecting steady yield spreads and consistent borrowing costs for short-term fixed-rate financing. Meanwhile, the 30-Year Conforming Fixed Purchase rate holds firm at 5.0%, also with no change over the past seven days. These rates represent the current lowest available for their terms, offering predictability for buyers prioritizing long-term cost certainty.

For members considering home purchases, these stable rates suggest a favorable environment to evaluate fixed-rate options, especially if budget stability is a priority. First-time buyers may benefit from locking in today's rates amid no recent upward pressure. Veterans and those refinancing should monitor market trends but note these conforming fixed rates provide a benchmark for cost-effective borrowing.

Given minimal recent movement, members should consider their mortgage strategy carefully; fixed-rate loans may help mitigate future interest rate volatility. For details, visit https://alohapacific.com/home-mortgages/home-mortgage-rates/.

As of November 10, 2025, 15 Year Fixed Purchase mortgage rates hold at a competitive 5.25% with 0.75 points, marking stability over the past week but a modest increase of 12.5 basis points compared to 30 days ago. This rise marginally increases the cost of borrowing for buyers seeking shorter-term commitments, potentially impacting monthly payments for first-time homebuyers aiming to build equity faster. Meanwhile, the 30 Year Fixed Purchase rate remains steady at 5.875% with 1 point, unchanged over both the last week and month, offering predictability for those prioritizing long-term payment stability.

Members should consider their financial horizon carefully; those valuing payment consistency may prefer the unchanged 30-year fixed rate, whereas buyers comfortable with slightly higher short-term rates might benefit from the lower term of the 15-year fixed despite recent yield spread shifts. Evaluating refinancing options remains prudent if projected savings exceed associated costs.

For details, visit https://www.bcu.org/legal/rates?ids=Loans%2cMortgages.

As of November 10, 2025, the 30-year Fixed-Rate Mortgage for Purchase remains steady at 5.0%, showing no change from one week ago. This stability in rates means the cost of borrowing has held firm, providing predictability for members planning long-term home financing. For first-time buyers, maintaining a consistent rate environment supports clearer budgeting without unexpected yield spread fluctuations. Veterans and those refinancing may find fixed-rate options beneficial if they prioritize payment stability over variable costs.

Given the unchanged rate trend, members should consider fixed-rate mortgages to lock in current yields and evaluate their mortgage strategy accordingly. For details, visit https://www.coastccu.org/personal/mortgage-loans/.

As of November 10, 2025, FAMILY TRUST reports stable mortgage rates for purchase loans. The 15-Year Fixed Rate remains at 4.708%, showing no change over the past week, reflecting steady borrowing costs for members seeking shorter-term financing with lower overall interest expense. Meanwhile, the 30-Year Fixed Rate holds at 5.5%, unchanged from last week but slightly lower compared to two weeks ago, indicating a marginal easing in long-term yield spreads. These rates impact first-time buyers and those prioritizing payment predictability; fixed-rate options provide cost certainty amid current market conditions. Members should consider locking in rates if stability is a priority or evaluating their mortgage strategy to balance term length and monthly affordability. For details, visit https://www.familytrust.org/manage-money/help-center/rates.html#mortgage.

As of November 10, 2025, 15 Year Fixed Purchase loans remain at 4.875%, holding steady over the past week but reflecting a notable decline of 38 basis points compared to 30 days ago. This reduction in yield spreads decreases the cost of borrowing for buyers prioritizing accelerated payoff schedules and lower overall interest expense. Meanwhile, the 30 Year Fixed Purchase rate remains unchanged at 5.75% over both the past week and month, maintaining a stable but higher long-term borrowing cost suitable for those valuing payment consistency.

For members weighing options, fixed-rate loans continue to offer predictability amid fluctuating markets. First-time buyers might benefit from the lower 15-year rates if affordability aligns with higher monthly payments; others should evaluate their mortgage strategy considering these recent movements. Consider refinancing if potential savings exceed transaction costs.

For details, visit https://fccu.org/rates/home-loan-rates.

On November 10, 2025, 15 Year Fixed - Investor Purchase loans carry the lowest rate at 5.5% with 1.75 points, reflecting an increase of 12.5 basis points over the past week. Similarly, the 30 Year Fixed - Investor Purchase rate rose by 12.5 basis points to 6.125% with identical points. These incremental yield spreads raise the cost of borrowing for investors seeking fixed-rate purchase options. For members prioritizing predictable payments, locking in a fixed rate remains critical amid rising rates. First-time buyers and investors should weigh the impact on monthly affordability, while those considering refinancing might evaluate if short-term savings justify current costs given this upward trend. Members are advised to assess their mortgage strategy carefully and consider fixed-rate options if stability is a priority.

For details, visit https://www.hificu.com/loans/loans/mortgage.

On November 10, 2025, PACIFIC SERVICE reports stable mortgage rates for fixed-rate purchase loans. The 15-Year Fixed Purchase rate remains at a competitive 4.75% with 1 point, unchanged from both 7 and 15 days ago. This steady yield benefits borrowers seeking shorter-term financing with predictable monthly payments. Meanwhile, the 30-Year Fixed Purchase rate holds firm at 5.625% with 1 point, also unchanged over the past week but reflecting a modest narrowing in yield spreads compared to two weeks prior.

For first-time homebuyers and those prioritizing long-term cost certainty, these rates suggest a consistent borrowing environment without recent upward pressure on costs. Members should evaluate their mortgage strategy carefully; locking in a fixed-rate may mitigate future market volatility. Consider refinancing if current fixed rates reduce total interest expense after accounting for closing costs.

For details, visit https://www.pacificservice.org/rates#tab4.

As of November 10, 2025, Super Conforming 15 Year Fixed Purchase loans remain at a stable 5.125% with 0.5 points, unchanged over the past week. This rate, currently the lowest among today’s options, reflects steady yield spreads in short-term fixed-rate mortgages. Meanwhile, the Super Conforming 30 Year Fixed Purchase loan holds at 5.75% with 0.75 points, also unchanged from last week. The lack of recent movement in these fixed-rate products suggests consistent borrowing costs for buyers prioritizing long-term payment stability.

For members considering home purchases, those seeking lower monthly payments may evaluate the longer 30-year fixed option despite its higher rate; conversely, buyers aiming to reduce total interest costs might focus on the 15-year fixed product. With rates stable over seven days, borrowers should assess their financial goals and mortgage terms carefully. Consider fixed-rate loans if you value predictable payments and review your strategy against market trends.

For details, visit https://www.sdfcu.org/rates#mortgages-block.

As of November 10, 2025, VANTAGE reports stable mortgage rates for purchase loans. The 15-year fixed-rate remains steady at 5.14%, reflecting no change over the past week, maintaining its position as the lowest rate option available. The 30-year fixed-rate holds at 5.73%, unchanged from last week but up by 13 basis points compared to two weeks ago, indicating a modest increase in long-term borrowing costs.

For members prioritizing predictability, the consistent 15-year fixed-rate offers lower yield spreads and reduced total interest expense. Meanwhile, those considering longer terms should monitor the slight upward trend in the 30-year fixed-rate, which could impact overall loan affordability.

Members are advised to evaluate their mortgage strategies carefully; consider locking in fixed-rate options if stability is essential or explore refinancing if potential savings outweigh associated costs.

For details, visit https://www.vcu.com/rates#mortgage-rates.

As of November 10, 2025, mortgage rates show a mixed trend. The 15-Year Fixed Rate Jumbo increased to 6.188%, rising by 0.07 basis points from yesterday and up 0.06 basis points over the past week. In contrast, the 30-Year Fixed Rate Jumbo is now at 6.272%, a slight increase of 0.02 basis points from one day ago but down by 0.09 basis points over the past month. Borrowers may find these shifts affect their cost of borrowing, particularly with the recent upward movement in shorter-term loans. It is advisable for potential homeowners to closely monitor these changes to make informed decisions regarding their mortgage options.

As of November 10, 2025, the Breakeven Inflation Rates for both 10-year and 5-year periods remain stable, indicating consistent inflation expectations. However, mortgage rates have seen significant declines, with the Mortgage 30Yr Jumbo Average Rates dropping by 6.51 points today and a total fall of 6.43 points over the past 30 days, reflecting increased affordability for borrowers. The current lowest mortgage rate is 5.747% for the 30Yr VA Average Rates. These changes suggest that easing rates may attract more homebuyers while also impacting refinancing options. It is advisable for potential borrowers to act promptly to capitalize on these favorable borrowing conditions before further shifts occur in the market.

For many, a home is the biggest investment they’ll ever make. At LendMesh, we take that responsibility seriously. Our mission is to empower you—not just with competitive rates from trusted credit unions and banks, but also with the knowledge and confidence to make the best decision for your family. We’ve created guides, checklists, and calculators that turn the complicated world of mortgages into something you can actually understand. And we’re always just a click away if you need help along the way. Ready to see how LendMesh is changing the mortgage experience? Dive into our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans and discover a smarter way to homeownership.