Introduction
On December 2, 2025, mortgage rates show a mixed but promising picture for homebuyers and refinancers alike. While some Credit Unions like Capital and Credit Union 1 hold steady with 15-year VA loans at 5.125%, others such as Credit Union West offer notable dips, with their 15-year fixed rate dropping to 4.99%. Zillow’s jumbo loan averages edge slightly lower this week, with the 30-year fixed jumbo rate easing to 6.309%. Inflation indicators remain steady, suggesting borrowing costs may stabilize soon. Here’s what you need to know before locking in a rate, whether you’re buying your first home or considering a refinance, spotting the right moment could save you thousands.
New Purchase - VA 15 yrs Fixed
Lender
2025-12-02
(Current Day)
(Current Day)
2025-11-25
(7 Days Ago)
(7 Days Ago)
2025-11-17
(15 Days Ago)
(15 Days Ago)
2025-11-02
(30 Days Ago)
(30 Days Ago)
2025-10-18
(45 Days Ago)
(45 Days Ago)
2025-10-03
(60 Days Ago)
(60 Days Ago)
2025-09-03
(90 Days Ago)
(90 Days Ago)
2025-06-05
(180 Days Ago)
(180 Days Ago)
5.00%
5.13%
+12.5 bps
5.13%
+12.5 bps
5.13%
+12.5 bps
5.13%
+12.5 bps
5.25%
+25 bps
5.50%
+50 bps
4.88%
5.00%
+12.5 bps
5.00%
+12.5 bps
4.75%
-12.5 bps
4.88%
4.88%
5.13%
+25 bps
New Purchase - VA 30 yrs Fixed
Lender
2025-12-02
(Current Day)
(Current Day)
2025-11-25
(7 Days Ago)
(7 Days Ago)
2025-11-17
(15 Days Ago)
(15 Days Ago)
2025-11-02
(30 Days Ago)
(30 Days Ago)
2025-10-18
(45 Days Ago)
(45 Days Ago)
2025-10-03
(60 Days Ago)
(60 Days Ago)
2025-09-03
(90 Days Ago)
(90 Days Ago)
2025-06-05
(180 Days Ago)
(180 Days Ago)
5.50%
5.63%
+12.5 bps
5.63%
+12.5 bps
5.63%
+12.5 bps
5.63%
+12.5 bps
5.75%
+25 bps
6.00%
+50 bps
5.38%
5.25%
-12.5 bps
5.50%
+12.5 bps
5.49%
+11.5 bps
5.49%
+11.5 bps
5.49%
+11.5 bps
6.00%
+62.5 bps
6.25%
6.38%
+12.5 bps
6.38%
+12.5 bps
6.38%
+12.5 bps
6.38%
+12.5 bps
5.38%
-87.5 bps
6.75%
+50 bps
6.00%
-25 bps
5.63%
5.63%
5.75%
+12.5 bps
5.50%
-12.5 bps
5.75%
+12.5 bps
5.75%
+12.5 bps
6.00%
+37.5 bps
CAPITAL CREDIT UNION
As of December 2, 2025, Federal VA Loans for 15-year fixed purchase remain steady at a competitive 5.125%, matching last week’s rate and holding the lowest yield among today’s offerings. Conversely, the 30-year fixed VA purchase loan increased by 12.5 basis points to 5.625%, reflecting a modest rise in borrowing costs compared to seven days ago, though unchanged over the past month. This rate movement suggests veterans seeking longer-term financing face slightly higher expenses, impacting monthly payments and total interest outlay. First-time buyers aiming for shorter terms benefit from stable rates, supporting predictable budgeting. Members should assess their mortgage horizon; consider fixed-rate options if prioritizing payment stability or evaluate refinancing strategies where rate differentials justify closing costs. For details, visit https://www.capitalcu.com/mortgage-rates.
CREDIT UNION 1 CREDIT UNION
As of December 2, 2025, CREDIT UNION 1 reports stable mortgage rates for veterans with no change over the past week or month. The 15-year VA loan remains at a competitive 5.125%, representing the lowest rate among today’s offerings, while the 30-year VA loan holds steady at 5.625%. These fixed-rate products provide predictable monthly payments and shield borrowers from yield spread volatility, benefiting veterans seeking long-term cost certainty. With rates unchanged, first-time veteran homebuyers and those planning purchases can evaluate their financing strategies without concern for immediate rate fluctuations. Members considering refinancing should monitor market trends but may find fixed-rate options advantageous if prioritizing payment stability. For details, visit https://www.cu1.org/rates#real-estate-rates.
CREDIT UNION WEST CREDIT UNION
On December 2, 2025, CREDIT UNION WEST reports a decline in mortgage rates for fixed-rate purchase loans. The 15-year Fixed Purchase rate dropped by 13.5 basis points to 4.99%, marking the lowest rate available today. The 30-year Fixed Purchase rate also decreased by 24 basis points to 5.25%, reflecting a notable reduction in the cost of borrowing compared to last week. These shifts narrow yield spreads and may influence borrowing decisions, particularly for members prioritizing long-term stability or faster payoff schedules.
First-time buyers might find the lower 15-year fixed rate attractive for minimizing interest over time, while those seeking extended terms could benefit from the reduced 30-year fixed rate. Members considering new purchases should evaluate these changes against current market conditions and personal financial goals.
Given these movements, it is prudent to consider fixed-rate options if you value predictable payments or to evaluate refinancing opportunities when potential savings exceed associated costs. For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.
EDUCATORS CREDIT UNION
As of December 2, 2025, mortgage rates for purchase loans have shown a modest decline. The 15-year Fixed rate stands at 5.0%, down 12.5 basis points from last week and also 12.5 basis points lower than 30 days ago, representing the lowest rate available today. Similarly, the 30-year Fixed purchase loan rate decreased to 5.5%, reflecting a 12.5 basis point drop over both the past week and month.
These reductions in yield spreads can reduce the overall cost of borrowing for homebuyers, particularly benefiting those prioritizing shorter-term financing or fixed-rate stability. First-time buyers may find the 15-year Fixed option attractive for faster equity building with lower interest costs, while longer-term planners might consider the slightly higher but stable 30-year Fixed rate.
Given these trends, members should assess their mortgage strategy carefully; consider fixed-rate options if you value payment predictability, or evaluate refinancing opportunities where rate declines could improve long-term savings.
For details, visit https://www.ecu.com/personal-banking/home-loans/buy-a-home/#rates.
ENT CREDIT UNION
As of December 2, 2025, VA 15-Year Fixed mortgage rates for purchase loans have decreased by 12.5 basis points compared to last week, now standing at 5.00%, which is the lowest rate available today. The VA 30-Year Fixed purchase rate also declined by 12.5 basis points over the past seven days, currently at 5.625%, maintaining its level from one month ago.
These downward shifts in rates reduce the cost of borrowing for veterans considering shorter or standard-term home purchases. First-time buyers and returning veterans may find the 15-year option attractive for faster equity build-up at a lower yield spread. Meanwhile, the stable 30-year rate supports predictable long-term budgeting despite recent market volatility.
Members should evaluate fixed-rate VA loans if they prioritize payment stability and consider refinancing only if potential savings outweigh associated costs. For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates.
FORTERA FEDERAL CREDIT UNION
On December 2, 2025, the 30-year Fixed VA Home Loan Purchase rate at Fortera stands at a notable 5.12%, marking a significant increase of 512 basis points compared to one week ago. However, this rate reflects a decrease of approximately 148 basis points from 30 days prior, indicating recent easing in borrowing costs over the past month despite short-term volatility. Veterans and first-time homebuyers utilizing VA loans face higher immediate yield spreads versus last week, increasing monthly payments and overall financing costs; yet, the month-over-month decline suggests potential opportunities for cost optimization if rates stabilize. Members should consider fixed-rate options for predictability amid fluctuating yields and evaluate their mortgage strategy carefully, especially when planning long-term homeownership or purchase timing. For details, visit https://forteracu.com/banking/personal/loans/home-loans/mortgage.
MOUNTAIN AMERICA FEDERAL CREDIT UNION
On December 2, 2025, the 15-year VA fixed-rate mortgage remains steady at 5.125%, showing no change over the past week or month. This stable yield supports predictable borrowing costs for veterans seeking shorter-term financing. Meanwhile, the 30-year VA fixed-rate mortgage increased by 12.5 basis points, rising from 5.25% to 5.375% over seven days, though it is still down nearly 12 basis points compared to 30 days ago. This uptick may slightly raise long-term borrowing expenses for veterans purchasing homes or refinancing.
Members should consider the 15-year VA fixed option if they prioritize lower rates and faster equity buildup, while those focused on longer terms should monitor rate trends closely. Evaluating refinancing opportunities remains prudent when potential savings surpass associated costs.
For details, visit https://www.macu.com/rates/home.
NAVY FEDERAL CREDIT UNION
As of December 2, 2025, Navy Federal Credit Union mortgage rates show stability in the VA 15 Year Fixed Purchase program at 5.0% with 0.25 points, unchanged over the past week and month, maintaining its position as the lowest rate option available. Conversely, the Military Choice 30 Year Fixed Purchase rate has decreased by 12.5 basis points to 6.25% with 0.5 points over the last seven days, reflecting a modest reduction in long-term borrowing costs for eligible members. Veterans considering shorter-term commitments retain consistent rates, while those seeking longer terms may benefit from recent yield improvements in the Military Choice program. Members should evaluate fixed-rate options if prioritizing payment stability or consider refinancing opportunities where cost reductions exceed associated fees. For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.
POTLATCH NO. 1 FINANCIAL CREDIT UNION
As of December 2, 2025, 15-Year Fixed Purchase loans maintain the lowest rate at 4.75%, unchanged from both one and thirty days ago, reflecting stability in short-term fixed-rate borrowing costs. Meanwhile, the 30-Year Fixed Purchase rate holds steady at 5.25%, with no movement over the past week or month, indicating consistent long-term yield spreads.
For members seeking predictable payments, these stable fixed rates support budgeting without unexpected fluctuations in interest expenses. First-time buyers may find the 15-Year Fixed option advantageous due to its lower rate and shorter amortization period, potentially reducing total interest paid. Conversely, those prioritizing lower monthly payments might consider the 30-Year Fixed while monitoring market shifts for potential refinancing opportunities.
Given these stable rates, members should evaluate their mortgage strategy carefully; consider fixed-rate products if stability is a priority or assess refinancing only when projected savings surpass associated costs. For details, visit https://www.p1fcu.org/personal/mortgage-rates.
WHATCOM EDUCATIONAL CREDIT UNION
On December 2, 2025, VA 15-Year Fixed Purchase loans offer the lowest rate at 4.875%, reflecting a 12.5 basis point decrease over the past week and a modest 12.5 basis point increase compared to 30 days ago. This shift slightly raises the cost of borrowing for veterans prioritizing shorter-term fixed financing but provides some recent relief versus last week’s yields. Meanwhile, the VA 30-Year Fixed Purchase rate remains steady at 5.625%, unchanged from seven days ago but up 12.5 basis points over the last month, indicating a gradual upward trend in long-term fixed rates.
For veterans evaluating purchase options, these movements suggest that locking in a 15-year fixed VA loan could reduce interest expenses if stability and faster amortization are priorities. Conversely, those considering longer terms should monitor trends closely as yield spreads have widened modestly this month.
Members should assess their mortgage strategies against these rate dynamics; specifically, consider fixed-rate options if stability is essential and weigh refinancing only when potential savings surpass associated costs.
For details, visit https://www.wecu.com/homeloans/purchase/.
Zillow National Average
As of December 2, 2025, mortgage rates for both 15-Year Fixed Rate Jumbo and 30-Year Fixed Rate Jumbo loans are showing slight declines. The 15-Year Fixed Rate Jumbo is at 6.242%, down by 1 basis point from yesterday, while the 30-Year Fixed Rate Jumbo sits at 6.309%, also decreased by 1 basis point. Over the past week, the 30-Year Fixed Rate Jumbo has experienced a notable decline of 4 basis points, indicating a mixed trend in the market. Borrowers may find these slight reductions beneficial; however, with rates remaining relatively high compared to historical levels, careful consideration of loan options is advisable.
Federal Reserve Economic Trends
Recent data indicates a significant shift in inflation expectations and mortgage rates. The Breakeven Inflation Rate 5Yr fell sharply by 2.29 points today, reflecting changing market sentiments about future inflation. This decline has implications for borrowing costs, as lower inflation expectations typically lead to decreased mortgage rates. Notably, the 30-Year Jumbo Average Rate dropped by 6.45 points over the past week, marking the largest decrease across all periods; this rate is now at 0.000, potentially benefiting borrowers seeking financing. As inflation continues to fluctuate, monitoring these indicators can provide valuable insights into future borrowing conditions and financial planning strategies.
LendMesh
Every homeowner’s journey is different, but almost all of us remember that mix of excitement and uncertainty when it’s time to find the right mortgage. At LendMesh, we know the process can be overwhelming—that’s why we’ve created a place where you can get honest guidance, side-by-side rate comparisons, and direct access to lending partners who put your needs first. We work with a nationwide network of credit unions and banks, offering options you might not find anywhere else. Think of us as your financial co-pilot, here to help you make decisions with confidence. When you’re ready to explore what’s possible, visit our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans . Let’s turn those dreams of homeownership into reality, one step at a time.
Conclusion
As you weigh your options in today’s mortgage market, remember that even small changes in rates can ripple through your finances over time. A shift of just a quarter percent on a 30-year fixed loan might add or subtract hundreds from your monthly payment and thousands in interest across the life of your mortgage. With many Credit Unions showing slight declines in their 15- and 30-year fixed rates, now is an excellent time to evaluate your goals carefully. Consider locking in when you spot a rate that fits your budget rather than chasing fleeting dips. Keep an eye on economic signals like inflation trends; they often hint at where rates are headed next. Above all, choose a loan program that aligns with your long-term plans, whether that means staying put or investing elsewhere, because smart timing coupled with informed decisions leads to real savings and peace of mind.